Medicare Advantage Plans in Humacao Municipio, PR:
Your Complete 2027 Guide
Humacao Municipio, PR offers 22 Medicare Advantage plans in 2027. This includes 22 with $0 monthly premiums. Currently, about 4,032 beneficiaries in the Municipio are enrolled, and 100% of available plans have a 4-star rating or higher. Special Needs Plans are not included in the figures shown above. Explore SNP options for Humacao Municipio, PR here. For a broader view beyond Medicare Advantage, see all Medicare coverage options in Humacao Municipio.
Page last revised:
Enrollment data refreshed: October 5, 2026
* Each year CMS evaluates Medicare Advantage plans on a 5-star scale. Data sources
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans offer flexibility by allowing you to see both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs may appeal to people who want more choice in doctors and hospitals.
- Total PPO Plans 1
- Average Premium $0.00/mo
- Beneficiaries Enrolled 46
- $0 Premium PPOs 1
- Average MOOP $7,151
- Most Popular PPO Óptimo Plus (PPO) with 46 enrollees
- PPOs Without Drug Coverage 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Óptimo Plus | $0 | $7,151 | $0 | H4005 004 0 |
What is the most popular PPO plan in Humacao?
Óptimo Plus (PPO) is the top PPO in Humacao, with 46 enrollees.
What is the number of PPO plans without Part D coverage in Humacao?
There are 0 PPO plans in Humacao without prescription drug coverage.
Medicare Advantage HMO Plans
With an HMO, you’ll typically get care from providers and facilities in the plan’s network. In exchange for this limitation, HMO plans usually feature lower monthly premiums and reduced cost-sharing, which can help enrollees better manage their healthcare expenses.
- Total HMO Plans
- 9
- Average Premium
- $0.00/mo
- Beneficiaries Enrolled
- 2,909
- $0 Premium HMOs
- 9
- Average MOOP
- $3,578
- Most Popular HMO
- MCS Classicare Estrella (HMO) with 1,245 enrollees
- HMOs Without Drug Coverage
- 1
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Ahorro Plus | $0 | $4,200 | $0 | H5774 047 1 | |
| Enlace Plus | $0 | $4,200 | $0 | H5774 038 0 | |
| MCS Classicare Efectivo | $0 | $3,400 | $0 | H5577 005 0 | |
| MCS Classicare En Tu Hogar | $0 | $3,400 | $0 | H5577 043 0 | |
| MCS Classicare Estrella | $0 | $3,400 | $0 | H5577 060 0 | |
| MCS Classicare Hero | $0 | $3,400 | $0 | H5577 044 0 | |
| MCS Classicare InteliCare | $0 | $3,400 | $0 | H5577 052 0 | |
| MCS Classicare Patriot | $0 | $3,400 | N/A | H5577 016 0 | |
| MCS Classicare RxMax | $0 | $3,400 | $0 | H5577 059 0 |
What is the typical premium for HMO plans in Humacao?
On average, HMO plans in Humacao cost $0.00 per month.
Which HMO plan do most beneficiaries choose in Humacao?
The leading HMO in Humacao is MCS Classicare Estrella (HMO), with 1,245 members.
How many HMO options are offered without prescription drug coverage in Humacao?
There are 1 HMO plans available in Humacao without Part D benefits.
Medicare Advantage HMO-POS Plans
HMO Point-of-Service (HMO-POS) plans blend elements of HMO and PPO coverage. You can see providers outside the network, but out-of-network services typically cost more. This type of plan may appeal to people who like the lower costs of an HMO but also want occasional flexibility to go out of network.
- Total HMO-POS Plans 12
- Average Premium $0.00/mo
- Beneficiaries Enrolled 1,077
- $0 Premium HMO-POS 12
- Average MOOP $3,342
- Most Popular HMO-POS MCS Classicare Essential (HMO-POS) with 584 enrollees
- HMO-POS Without Drug Coverage 1
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Triple S Advantage Brillante | $0 | $4,200 | $0 | H5774 031 0 | |
| MCS Classicare Essential | $0 | $3,400 | $0 | H5577 008 0 | |
| MMM Balance | $0 | $3,250 | $0 | H4004 073 3 | |
| MMM Deluxe | $0 | $3,250 | $0 | H4003 055 0 | |
| MMM Elite | $0 | $3,250 | $0 | H4003 034 0 | |
| MMM Estela | $0 | $3,250 | $0 | H4003 059 2 | |
| MMM Grandioso | $0 | $3,250 | $0 | H4004 070 0 | |
| MMM Mega Flex | $0 | $3,250 | $0 | H4004 071 0 | |
| MMM Plenitud | $0 | $3,250 | $0 | H4004 065 0 | |
| MMM Valiente | $0 | $3,250 | N/A | H4004 075 0 | |
| MMM Valioso | $0 | $3,250 | $0 | H4004 066 0 | |
| PMC Max | $0 | $3,250 | $0 | H4004 056 0 |
What is the total number of HMO-POS plans in Humacao?
In 2027, Humacao has 12 HMO-POS plans, with 1,077 enrollees.
How much do HMO-POS plans cost on average in Humacao?
The mean monthly HMO-POS premium is $0.00, and 12 have no premium.
The table below shows the quality ratings for Medicare Advantage plans offered in Humacao Municipio, PR for 2027.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | 11 | 50% |
| 4 Stars (includes 5 Stars) | 22 | 100% |
| 3 Stars | 0 | 0% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 4.75 | |
For residents of Humacao Municipio, signing up for a Medicare Advantage plan isn’t just about benefits—it’s about timing. Learning the key enrollment periods ensures you don’t lose access to the coverage that works best for you.
When You Can Sign Up
- Initial Enrollment Period (IEP): Lasting seven months around your 65th birthday, this period lets you enroll in Medicare for the first time. You may also choose a Medicare Advantage plan during this time. Learn more
- Medicare Advantage Open Enrollment Period (MA OEP): Between January 1 and March 31, people already enrolled in Medicare Advantage can make a one-time change—switch to another plan or return to Original Medicare. Learn more
- Annual Enrollment Period (AEP): From October 15 through December 7 each year, you can make changes to your Medicare coverage for the following year. Learn more
- Special Enrollment Periods (SEPs): Life events like moving to a new service area, losing other health coverage, or becoming eligible for assistance may open a Special Enrollment Period to adjust your Medicare coverage. Learn more
Ways to Enroll in Medicare Advantage
- Consult a Licensed Agent: Call a licensed insurance agent at 1-833-748-3201 (TTY 711), available Mon-Fri 8AM-10PM, Sat 9AM-8PM EST, for help reviewing your Medicare options.
- Contact the Plan Provider Directly: Start enrollment by reaching out to the plan provider through their website or by phone with their member services team.
- Use Medicare.gov: At Medicare.gov, you can compare Medicare Advantage plans side by side and enroll securely online.
The MA and MAPD plans on this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in Punta Santiago, Humacao, and all other areas of Humacao Municipio, Puerto Rico. For a broader view of coverage choices across the state, see Medicare plan options in Puerto Rico.
Plans Offered through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, Health Care Service Corporation, HealthSpring℠, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare®, Wellcare, WellPoint
- CMS.gov, Landscape Source Files — Version: CY2027 Landscape (202609.1)
- CMS.gov, Medicare Part C & D Performance — Version: 2027 Star Ratings Data Tables
- CMS.gov, Plan Benefits Package — Version: PBP Benefits-2027
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Version: 2026-09
Some facts and percentages shown on this page (such as average premiums, distribution of plan types, and percentage of $0 premium plans) are calculated by Medicare.org using data from the CMS Landscape file, Plan Benefits Package (PBP) files and Part C & D Performance files. All underlying values originate from CMS, and calculations are refreshed whenever CMS issues updated data. Enrollment counts and rankings (such as Top 3 plans by enrollment) are derived from CMS monthly enrollment files and aggregated at the county level.
Medicare.org separates Medicare Advantage (MA/MAPD) plans and Special Needs Plans (SNPs) into different pages for clarity. As a result, plan counts, percentages, and other calculations shown here may differ from the aggregate totals published in the CMS Landscape files. All plan availability and benefit details originate from CMS.
Learn more about how we use CMS data.
- CMS.gov, "Medicare Advantage Plan Fact Sheet" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
- Medicare.gov, "Joining a plan" — Last accessed 25 May, 2025
Some facts and percentages shown on this page (such as average premiums, distribution of plan types, and percentage of $0 premium plans) are calculated by Medicare.org using data from the CMS Plan Benefits Package (PBP) files and Part C & D Performance files. All underlying values originate from CMS, and calculations are refreshed whenever CMS issues updated data.
To explore how 2027 Medicare Advantage plans available in Humacao Municipio compare with plans offered elsewhere, you can search the Medicare Advantage plan directory to review options nationwide using the same authoritative data sources.
Medicare.org is owned and operated by Health Network Group, LLC, an Allstate company. Medicare.org provides information only and is not connected with or endorsed by the U.S. Government or the federal Medicare program.
Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard.
Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate Medicare coverage interpretation and resolution.