Medicare Advantage Plans With a Part B Giveback in Puerto Rico
These Puerto Rico plans pay part of your Part B premium for 2027, according to the benefits each one filed with CMS. They’re sorted by the size of the giveback, with each plan’s worst-case year beside it: 12 months of premiums, less the giveback, plus the in-network out-of-pocket maximum.
Showing all 28 plans.
With drug coverage
| # | 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 | 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★ |
| 5 | 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★ |
| 6 | 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★ |
| 7 | MCS Classicare Excede (HMO)MCS Classicare · HMO17 of 78 counties · drug deductible $0Part B giveback $70/mo · Dental up to $1,500/yr · OTC items $1,440/yr | $0−$70 Part B giveback | $3,400 | $2,560 | 5★ |
| 8 | 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★ |
| 9 | MMM Estela (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POS56 of 78 counties · drug deductible $0Part B giveback $68/mo · Dental up to $2,000/yr · eyewear $600/yr · hearing aids $417/yr | $0−$68 Part B giveback | $3,250 | $2,434 | 4.5★ |
| 10 | MCS Classicare Excede (HMO)MCS Classicare · HMO17 of 78 counties · drug deductible $0Part B giveback $60/mo · Dental up to $1,500/yr · OTC items $840/yr | $0−$60 Part B giveback | $3,400 | $2,680 | 5★ |
| 11 | 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★ |
| 12 | 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★ |
| 13 | MMM Estela (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POS10 of 78 counties · drug deductible $0Part B giveback $53/mo · Dental up to $2,000/yr · eyewear $600/yr · hearing aids $417/yr | $0−$53 Part B giveback | $3,250 | $2,614 | 4.5★ |
| 14 | MMM Balance (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POS50 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★ |
| 15 | MMM Balance (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POS13 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★ |
| 16 | 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★ |
| 17 | Ahorro Plus (HMO)Triple S Advantage · HMO23 of 78 counties · drug deductible $0Part B giveback $50/mo · Dental up to $2,000/yr · eyewear $350/yr · hearing aids $167/yr · OTC items $100/yr | $0−$50 Part B giveback | $4,200 | $3,600 | 5★ |
| 18 | Ahorro Plus (HMO)Triple S Advantage · HMO9 of 78 counties · drug deductible $0Part B giveback $50/mo · Dental up to $2,000/yr · eyewear $350/yr · hearing aids $167/yr · OTC items $100/yr | $0−$50 Part B giveback | $4,200 | $3,600 | 5★ |
| 19 | 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★ |
| 20 | 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★ |
| 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 | 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★ |
| 23 | 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★ |
| 24 | 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★ |
| 25 | 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★ |
| 26 | 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★ |
| 27 | 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★ |
Without drug coverage
These plans don’t include Part D. They mainly suit people with drug coverage from elsewhere, such as the VA or TRICARE. Joining one generally means you can’t also join a stand-alone Part D plan.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | MMM Valiente (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POSAll 78 countiesPart B giveback $100/mo · Dental up to $2,500/yr · eyewear $750/yr | $0−$100 Part B giveback | $3,250 | $2,050 | 4.5★ |
Giveback = the monthly Part B premium reduction each plan filed with CMS for 2027. Worst-case year = 12 × (monthly plan premium − giveback) + in-network maximum out-of-pocket, so a large giveback can make it lower than the out-of-pocket maximum. The standard Part B premium was $202.90 a month in 2026. Special Needs Plans, Cost plans, employer plans and plans under CMS sanction aren’t listed. Methodology
Before you enroll: check that your doctors are in the plan’s network and how it covers your drugs, in the official Medicare Plan Finder. See every Puerto Rico plan, giveback or not, in our Puerto Rico Medicare Advantage ranking.
Questions
Which Medicare Advantage plans in Puerto Rico have a Part B giveback for 2027?
28 of the 32 general-audience plans in Puerto Rico filed a Part B premium reduction with CMS for 2027: 27 with drug coverage and 1 without. The largest is $157 a month, from MMM Deluxe (HMO-POS).
How do I get the Part B giveback?
Join the plan. The plan's reduction comes off the standard Part B premium you'd otherwise pay, whether that premium is taken from your Social Security benefit or billed to you. You keep paying any Part B premium that's left.
Is a giveback plan the cheapest choice?
Not always. Plans that pay back part of your Part B premium can have higher copays, a higher out-of-pocket maximum or a narrower network. The worst-case year in the table counts the giveback as money back and adds the out-of-pocket maximum, so you can compare plans on one number.
Does the giveback help if Medicaid pays my Part B premium?
No. If Medicaid or a Medicare Savings Program pays your Part B premium, CMS sends the reduction to your state, not to you. The giveback also can't lower a Part B late enrollment penalty.
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.
- CMS, Medicare State Buy-in Manual, Chapter 1 (Part B premium reductions by Medicare Advantage plans) — cms.gov PDF.
- CMS, 2026 Part B premium — cms.gov.
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. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
Keep going
- All Puerto Rico Medicare Advantage plans, ranked →
- $0-premium plans in Puerto Rico →
- Advantage vs. Original Medicare →
Other states
Alabama · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming