Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026

MCS Classicare Firme, 2027

H5577Contract042Plan

HMO · 39 counties in Puerto Rico

Run by MCS Advantage, Inc. (contract H5577), sold as MCS Classicare, owned by MHH Healthcare, L.P.

Renews for 2027

2026 star rating, contract H5577: 5 of 5

MCS Classicare Firme (H5577-042) costs $0 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $3,400.

What changes from 2026 to 2027?

The changed lines are marked and come first. In-network amounts; members keep paying the Part B premium unless the plan reduces it.
What you pay or get	2026	2027	Change
Part B premium reduction, monthly	$5	$10	up $5
Eyewear, yearly limit	$950 a year	not offered	dropped
Hearing aids, yearly limit for both ears	$950 a year	not offered	dropped
Over-the-counter items, yearly	$1,440 a year	$1,560 a year	up $120
17 lines do not change
Monthly premium	$0	$0	no change
In-network out-of-pocket limit	$3,400	$3,400	no change
Drug deductible	$0	$0	no change
Primary care visit	$0 copay	$0 copay	no change
Specialist visit	$0 copay	$0 copay	no change
Emergency room	$40 copay	$40 copay	no change
Medical deductible, in network	none	none	no change
Hospital stay, in network	$0 a stay	$0 a stay	no change
Skilled nursing facility, in network	$0 a stay	$0 a stay	no change
Ground ambulance, in network	$0 copay	$0 copay	no change
Comprehensive dental, yearly limit	$3,000 a year	$3,000 a year	no change
Counties served	39	39	no change
Drug tier 1, preferred generic	$0	$0	no change
Drug tier 2, generic	$0	$0	no change
Drug tier 3, preferred brand	$0	$0	no change
Drug tier 4, non-preferred drug	$0	$0	no change
Drug tier 5, specialty tier	33% of the cost	33% of the cost	no change

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?

Your share for a 30-day supply at a retail pharmacy, as filed with CMS; tiers whose share changes are marked
Tier	What the tier holds	2026	2027
Tier 1	Preferred Generic	$0	$0
Tier 2	Generic	$0	$0
Tier 3	Preferred Brand	$0	$0
Tier 4	Non-Preferred Drug	$0	$0
Tier 5	Specialty Tier	33% of the cost	33% of the cost

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, 10 plans have a lower out-of-pocket limit, 9 the same, 4 a higher one. On the premium, 23 the same.

Out-of-pocket limits of the 24 plans open to everyone

$0 to under $2,0000 plans

$2,000 to under $4,000 (this plan)20 plans

$4,000 to under $6,0003 plans

$6,000 to $8,0001 plan

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 39 counties: $0 a month and $3,400.

Puerto Rico

Adjuntas Aguada Aguadilla Anasco Arecibo Barceloneta Cabo Rojo Camuy Ciales Corozal Florida Guanica Guayanilla Hatillo Hormigueros Isabela Jayuya Juana Diaz Lajas Lares Las Marias Manati Maricao Mayaguez Moca Morovis Orocovis Penuelas Ponce Quebradillas Rincon Sabana Grande San German San Sebastian Utuado Vega Alta Vega Baja Villalba Yauco

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Who runs this plan?

Plan ID: H5577-042
Legal name of the contract: MCS Advantage, Inc.
Sold as: MCS Classicare
Parent company: MHH Healthcare, L.P.
Plan type: HMO
2026 star rating of the contract: 5 of 5 overall; health plan 5 of 5, drug plan 5 of 5
Members, September 2026: 29,504
Plan website, as filed with CMS: www.mcsclassicare.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 Ponce, PRWhere most of its members live; premiums and limits side by side
Every MCS Classicare plan for 2027Its contracts, counties and plans that end
The other 16 plans of contract H5577Same 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.