Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026
MMM Estela, 2027
H4003Contract059Plan
HMO-POS · 78 counties in Puerto Rico
Run by MMM Healthcare, LLC (contract H4003), sold as Medicare y Mucho Mas (MMM), owned by Elevance Health, Inc.
MMM Estela (H4003-059) costs $0 a month in 2027, with an in-network out-of-pocket limit of $3,250. It is a new plan for 2027. It takes in the members of H4003-019.
What changes from 2026 to 2027?
| What you pay or get | 2026 | 2027 | Change |
|---|---|---|---|
| Monthly premium | not offered | $0 | new for 2027 |
| In-network out-of-pocket limit | not filed | $3,250 | new for 2027 |
| Drug deductible | not filed | $0 | new for 2027 |
| Part B premium reduction, monthly (best in its area) | none | $73 | ▲added |
| Primary care visit (best in its area) | not offered | $0 copay | changed |
| Specialist visit (best in its area) | not offered | $0 copay | changed |
| Emergency room (best in its area) | not offered | $75 copay | changed |
| Hospital stay, in network (best in its area) | not offered | $0 a stay | changed |
| Skilled nursing facility, in network (best in its area) | not offered | $0 a stay | changed |
| Ground ambulance, in network (best in its area) | not offered | $0 copay | changed |
| Comprehensive dental, yearly limit (best in its area) | not offered | $2,000 a year | ▲added |
| Eyewear, yearly limit (best in its area) | not offered | $600 a year | ▲added |
| Hearing aids, yearly limit for both ears (best in its area) | not offered | $416.67 a year | ▲added |
| 3 lines do not change | |||
| Medical deductible, in network (best in its area) | none | none | no change |
| Over-the-counter items, yearly (best in its area) | not offered | not offered | no change |
| Counties served | not offered | 78 | new for 2027 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026; CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026). Plan details can change during the year; confirm on Medicare Plan Finder.
What will prescriptions cost?
| Tier | What the tier holds | 2026 | 2027 |
|---|---|---|---|
| Tier 1 | Preferred Generic | not offered | $0 |
| Tier 2 | Generic | not offered | $0 |
| Tier 3 | Preferred Brand | not offered | $0 |
| Tier 4 | Non-Preferred Drug | not offered | $0 |
| Tier 5 | Specialty Tier | not offered | 33% of the cost |
| Tier 6 | Select Care Drugs | not offered | $0 |
Source: CMS plan benefit package files, 2027 and 2026. Insulin is capped at $35 a month by law. A drug's tier is set by the plan's formulary.
How does it compare with plans sold where it is?
In the counties it serves, 24 plans open to everyone are sold for 2027, this one included. Against the others, 9 the same, 14 a higher one. On the premium, 23 the same.
Out-of-pocket limits of the 24 plans open to everyone
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Where is it sold, and what does it cost there?
The premium and the out-of-pocket limit are the same in all 78 counties: $0 a month and $3,250.
Puerto Rico
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Which 2026 plans move into it, and what changes for their members?
For 2027 this plan takes in the members of 1 other plan. In 2027 it costs $0 a month with a $3,250 limit; each row compares that with the plan its members had in 2026.
| 2026 plan | Members, Sept. 2026 | Members who move | Premium 2026 | Premium change | Limit 2026 | Limit change |
|---|---|---|---|---|---|---|
| MMM UnicoH4003-019 | 794 | 537 | $15 | ▼down $15 | $3,250 | no change |
Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11); CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision). Each moving plan's own page lists every line that changes for its members.
Who runs this plan?
- Plan ID
- H4003-059
- Legal name of the contract
- MMM Healthcare, LLC
- Sold as
- Medicare y Mucho Mas (MMM)
- Parent company
- Elevance Health, Inc.
- Plan type
- HMO-POS
- 2026 star rating of the contract
- 5 of 5 overall; health plan 5 of 5, drug plan 5 of 5
- Plan website, as filed with CMS
- www.mmmpr.com
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS 2026 Star Ratings (October 2025); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11). CMS publishes the 2027 Star Ratings in October 2026.
What else should you check?
- Other 2027 plans in San Juan, PRWhere most of its members live; premiums and limits side by side
- Every Medicare y Mucho Mas (MMM) plan for 2027Its contracts, counties and plans that end
- The other 5 plans of contract H4003Same company, same contract
- Is your prescription covered?Coverage share and tier for 2,259 drugs
Data, not advice. These are the plan's filed amounts, not a quote for you; confirm on Medicare Plan Finder or call the plan before you enroll.