Medicare Advantage Plans in Las Piedras Municipio, PR:
Your Complete 2026 Guide
Las Piedras Municipio, PR offers 21 Medicare Advantage plans in 2026. This includes 20 with $0 monthly premiums. Currently, about 1,156 beneficiaries in the Municipio are enrolled, and 95% 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 Las Piedras Municipio, PR here.
Page last revised:
Enrollment data refreshed: October 13, 2025
* 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 0
- $0 Premium PPOs 1
- Average MOOP $6,751
- Most Popular PPO with 0 enrollees
- PPOs Without Drug Coverage 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. |
|---|---|---|---|---|
| Óptimo Plus | $0 | $6,751 | $0 |
What is the most popular PPO plan in Las Piedras?
is the top PPO in Las Piedras, with 0 enrollees.
What is the number of PPO plans without Part D coverage in Las Piedras?
There are 0 PPO plans in Las Piedras 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
- 705
- $0 Premium HMOs
- 9
- Average MOOP
- $3,578
- Most Popular HMO
- MCS Classicare Efectivo (HMO) with 402 enrollees
- HMOs Without Drug Coverage
- 1
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. |
|---|---|---|---|---|
| MCS Classicare Efectivo | $0 | $3,400 | $0 | |
| MCS Classicare En Tu Hogar | $0 | $3,400 | $0 | |
| MCS Classicare Estrella | $0 | $3,400 | $0 | |
| MCS Classicare Hero | $0 | $3,400 | $0 | |
| MCS Classicare InteliCare | $0 | $3,400 | $0 | |
| MCS Classicare Patriot | $0 | $3,400 | N/A | |
| MCS Classicare RxMax | $0 | $3,400 | $0 | |
| Ahorro Plus | $0 | $4,200 | $0 | |
| Enlace Plus | $0 | $4,200 | $0 |
What is the typical premium for HMO plans in Las Piedras?
On average, HMO plans in Las Piedras cost $0.00 per month.
Which HMO plan do most beneficiaries choose in Las Piedras?
The leading HMO in Las Piedras is MCS Classicare Efectivo (HMO), with 402 members.
How many HMO options are offered without prescription drug coverage in Las Piedras?
There are 1 HMO plans available in Las Piedras 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 11
- Average Premium $1.36/mo
- Beneficiaries Enrolled 451
- $0 Premium HMO-POS 10
- Average MOOP $3,350
- Most Popular HMO-POS MCS Classicare Essential (HMO-POS) with 317 enrollees
- HMO-POS Without Drug Coverage 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. |
|---|---|---|---|---|
| MCS Classicare Essential | $0 | $3,400 | $0 | |
| MMM Balance | $0 | $3,250 | $0 | |
| MMM Deluxe | $0 | $3,250 | $0 | |
| MMM Elite | $0 | $3,250 | $0 | |
| MMM Grandioso | $0 | $3,250 | $0 | |
| MMM Mega Flex | $0 | $3,250 | $0 | |
| MMM Plenitud | $0 | $3,250 | $0 | |
| MMM Unico | $15 | $3,250 | $0 | |
| MMM Valioso | $0 | $3,250 | $0 | |
| PMC Max | $0 | $3,250 | $0 | |
| Triple S Advantage Brillante | $0 | $4,200 | $0 |
What is the total number of HMO-POS plans in Las Piedras?
In 2026, Las Piedras has 11 HMO-POS plans, with 451 enrollees.
How much do HMO-POS plans cost on average in Las Piedras?
The mean monthly HMO-POS premium is $1.36, and 10 have no premium.
The table below shows the quality ratings for Medicare Advantage plans offered in Las Piedras Municipio, PR for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | 17 | 81% |
| 4 Stars (includes 5 Stars) | 20 | 95% |
| 3 Stars | 1 | 5% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 4.86 | |
For residents of Las Piedras 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 HealthCompare 1-833-748-3201 (TTY 711), available Monday through Friday 5am–6pm and Saturday 6am–5pm PST, 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 Las Piedras, and all other areas of Las Piedras Municipio, Puerto Rico.
Plans Offered for Enrollment through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: 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, Capital Blue Cross, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, 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(R), Wellcare, WellPoint
CMS Plan IDs Presented
The Medicare Advantage plan pages listed in the tables above include localization to assist beneficiaries with plans available in their service area. However, most Part C plans are available in more than one service area, which can lead to confusion. The following list of CMS IDs links to our master plan pages without localization.
- CMS.gov, Landscape Source Files — Last accessed September 26, 2025
- CMS.gov, Medicare Part C & D Performance — Last accessed October 10, 2025
- CMS.gov, Plan Benefits Package — Last accessed October 13, 2025
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Last accessed October 13, 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 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
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 managed by David Bynon, Medicare Analyst.