Best Medicare Advantage Plans in Ponce Municipio, PR for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Ponce Municipio, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the in-network out-of-pocket maximum.
Ponce Municipio plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | MMM Deluxe (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POSAll 78 counties · drug deductible $0Part B giveback $157/mo · Preventive dental | $0−$157 Part B giveback | $3,250 | $1,366 | 4.5★ |
| 2 | MCS Classicare Hero (HMO)MCS Classicare · HMOAll 78 counties · drug deductible $0Part B giveback $131/mo · Dental up to $3,400/yr · eyewear $425/yr · hearing aids $1,000/yr per ear | $0−$131 Part B giveback | $3,400 | $1,828 | 5★ |
| 3 | MMM Valioso (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POSAll 78 counties · drug deductible $0Part B giveback $115/mo · Dental up to $500/yr · eyewear $250/yr · hearing aids $167/yr | $0−$115 Part B giveback | $3,250 | $1,870 | 4.5★ |
| 4 | MMM Estela (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POS12 of 78 counties · drug deductible $0Part B giveback $73/mo · Dental up to $2,000/yr · eyewear $600/yr · hearing aids $417/yr | $0−$73 Part B giveback | $3,250 | $2,374 | 4.5★ |
| 5 | MCS Classicare Estrella (HMO)MCS Classicare · HMO37 of 78 counties · drug deductible $0Part B giveback $70/mo · Dental up to $2,700/yr · OTC items $300/yr | $0−$70 Part B giveback | $3,400 | $2,560 | 5★ |
| 6 | MMM Balance (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POS15 of 78 counties · drug deductible $0Part B giveback $52/mo · Dental up to $1,500/yr · eyewear $500/yr · hearing aids $417/yr | $0−$52 Part B giveback | $3,250 | $2,626 | 4.5★ |
| 7 | MCS Classicare Excede (HMO)MCS Classicare · HMO11 of 78 counties · drug deductible $0Part B giveback $60/mo · Dental up to $1,500/yr · OTC items $468/yr | $0−$60 Part B giveback | $3,400 | $2,680 | 5★ |
| 8 | MMM Plenitud (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POSAll 78 counties · drug deductible $0Part B giveback $45/mo · Dental up to $2,000/yr · eyewear $500/yr · hearing aids $417/yr | $0−$45 Part B giveback | $3,250 | $2,710 | 4.5★ |
| 9 | MCS Classicare Efectivo (HMO)MCS Classicare · HMOAll 78 counties · drug deductible $0Part B giveback $55/mo · Dental up to $2,750/yr · OTC items $120/yr | $0−$55 Part B giveback | $3,400 | $2,740 | 5★ |
| 10 | MCS Classicare InteliCare (HMO)MCS Classicare · HMOAll 78 counties · drug deductible $0Part B giveback $40/mo · Dental up to $2,500/yr · OTC items $1,080/yr | $0−$40 Part B giveback | $3,400 | $2,920 | 5★ |
| 11 | MCS Classicare En Tu Hogar (HMO)MCS Classicare · HMOAll 78 counties · drug deductible $0Part B giveback $25/mo · Dental up to $3,000/yr · OTC items $420/yr | $0−$25 Part B giveback | $3,400 | $3,100 | 5★ |
| 12 | MMM Grandioso (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POSAll 78 counties · drug deductible $0Part B giveback $8/mo · Dental up to $1,000/yr · eyewear $1,000/yr | $0−$8 Part B giveback | $3,250 | $3,154 | 4.5★ |
| 13 | MCS Classicare RxMax (HMO)MCS Classicare · HMOAll 78 counties · drug deductible $0Part B giveback $20/mo · Dental up to $2,500/yr · eyewear $500/yr · hearing aids $800/yr per ear · OTC items $768/yr | $0−$20 Part B giveback | $3,400 | $3,160 | 5★ |
| 14 | MMM Mega Flex (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POSAll 78 counties · drug deductible $0Part B giveback $5/mo · Dental up to $1,500/yr · eyewear $600/yr | $0−$5 Part B giveback | $3,250 | $3,190 | 4.5★ |
| 15 | PMC Max (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POSAll 78 counties · drug deductible $0Part B giveback $3/mo · Dental up to $1,500/yr · eyewear $450/yr · hearing aids $333/yr | $0−$3 Part B giveback | $3,250 | $3,214 | 4.5★ |
| 16 | Enlace Plus (HMO)Triple S Advantage · HMOAll 78 counties · drug deductible $0Part B giveback $80/mo · Dental up to $1,600/yr · eyewear $400/yr · OTC items $1,200/yr | $0−$80 Part B giveback | $4,200 | $3,240 | 5★ |
| 17 | MMM Elite (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POSAll 78 counties · drug deductible $0Dental up to $2,500/yr · eyewear $500/yr · hearing aids $667/yr | $0 | $3,250 | $3,250 | 4.5★ |
| 18 | MCS Classicare Firme (HMO)MCS Classicare · HMO39 of 78 counties · drug deductible $0Part B giveback $10/mo · Dental up to $3,000/yr · OTC items $1,560/yr | $0−$10 Part B giveback | $3,400 | $3,280 | 5★ |
| 19 | Ahorro Plus (HMO)Triple S Advantage · HMO46 of 78 counties · drug deductible $0Part B giveback $70/mo · Dental up to $2,600/yr · eyewear $350/yr · hearing aids $167/yr · OTC items $100/yr | $0−$70 Part B giveback | $4,200 | $3,360 | 5★ |
| 20 | MCS Classicare Essential (HMO-POS)MCS Classicare · HMO-POSAll 78 counties · drug deductible $0Dental up to $3,500/yr · eyewear $950/yr · hearing aids $750/yr per ear · OTC items $600/yr | $0 | $3,400 | $3,400 | 5★ |
| 21 | Brillante (HMO-POS)Triple S Advantage · HMO-POSAll 78 counties · drug deductible $0Part B giveback $40/mo · Dental up to $3,000/yr · eyewear $300/yr · hearing aids $667/yr · OTC items $120/yr | $0−$40 Part B giveback | $4,200 | $3,720 | 5★ |
| 22 | Óptimo Plus (PPO)Triple-S Advantage · PPOAll 78 counties · drug deductible $0Dental up to $1,000/yr · eyewear $200/yr · hearing aids $67/yr | $0 | $7,151 | $7,151 | 4.5★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket. The giveback is money back on the Part B premium ($202.90 a month in 2026), which is otherwise the same for everyone, so a large one can push the worst-case year below $0; drug costs are capped separately at $2,400 in 2027. Other extras are the yearly maximums each plan filed with CMS and don’t change the order. Methodology
What changed since 2026
- Plans with drug coverage: 23 in 2026, 24 in 2027.
- $0-premium plans: 22 in 2026, 24 in 2027.
- Median in-network out-of-pocket maximum: $3,400 in 2026, $3,400 in 2027.
- 12,021 people here were in a general-audience Advantage plan in October 2026.
From our 2026 vs. 2027 Medicare Advantage study (CMS landscape, enrollment and crosswalk files).
Before you enroll, check that your doctors are in the plan’s network and how it covers your drugs in the Medicare Plan Finder. Weighing Advantage against Original Medicare with a Medigap plan? Run the county calculator.
Also sold here without drug coverage: MMM Valiente (HMO-POS), MCS Classicare Patriot (HMO).
Questions
How many Medicare Advantage plans are in Ponce Municipio for 2027?
22 general-audience plans with drug coverage, 22 of them with a $0 monthly premium, compared with 23 plans and 22 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Ponce Municipio?
MMM Deluxe (HMO-POS) from Medicare y Mucho Mas (MMM): $0 a month with an in-network out-of-pocket maximum of $3,250, so at most about $1,366 for the year in premiums and in-network costs.
Do any Ponce Municipio plans have a Part B giveback?
19 do. The largest is $157 a month off your Part B premium, from MMM Deluxe (HMO-POS).
How many Ponce Municipio plans have 4 or more stars?
22 of 22, based on CMS's 2027 ratings of the contract behind each plan.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- County population: 2020 Census, via the USDA Rural-Urban Continuum Codes (2023).
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. · Advertiser disclosure
Keep going
- All Puerto Rico Medicare Advantage plans →
- Best Part D plans in Puerto Rico →
- HMO vs. PPO and star ratings →
Other Puerto Rico counties
Bayamon Municipio · Caguas Municipio · Carolina Municipio · San Juan Municipio