MCS Classicare Firme (HMO) Medicare Advantage Plan H5577-042 • 2026 • Corozal Municipio, PR

MCS Classicare Firme Overview

Coverage Overview for MCS Classicare Firme

This Medicare Advantage Prescription Drug (MAPD) HMO plan includes hospital, medical, and prescription drug coverage under Medicare Parts A and B. The monthly premium is $0.00, and services are generally covered when received from in-network providers, except in emergency situations. The annual Part D deductible is $0.00.

Primary care visits have a $0 copay, specialist visits come with a $0 copay, urgent care services carry a $0 copay, and ambulance transportation is $0 copay. These costs apply toward the annual maximum out-of-pocket (MOOP) limit of $3400.00. After this limit is reached, in-network services are fully covered.

This plan is listed by CMS under Plan ID H5577-042. A summary of cost sharing is provided below.

Cost-Sharing Overview

Cost-sharing for MCS Classicare Firme includes out-of-pocket expenses for covered healthcare services. The table below provides a summary of typical in-network out-of-pocket costs for plan H5577-042.

Certain preventive services are covered 100% by MCS Classicare Firme as a Part B benefit.

Prescription Drug Coverage

MCS Classicare Firme includes a Medicare Part D prescription drug plan (PDP). Plan type and coverage level are defined by CMS and may vary between basic and enhanced benefit designs.

This plan includes an enhanced benefit Medicare Part D plan (PDP), providing coverage beyond the standard CMS-defined minimum.

Prescription Drug Plan Premium

The Part D prescription drug plan premium is included in the overall Medicare Special Needs Plan cost. Additional adjustments may apply through the Low-Income Subsidy (LIS) program, also known as Extra Help, administered by Social Security. LIS benefits are separate from Medicare Special Needs Plan coverage.

For more details, visit the Social Security Extra Help program .

Prescription Drug Plan Deductible

This plan has a $0.00 annual Part D deductible. You'll pay this deductible at the pharmacy before MCS Classicare starts contributing towards your prescription costs.

Prescription Drug Plan Out-of-Pocket Costs

Beyond premiums and deductibles, MCS Classicare Firme may have additional costs at pharmacies. The table below outlines out-of-pocket expenses by drug tier.

CMS 5-Star Ratings

CMS evaluates Medicare Advantage (Part C) and Part D plans annually using a 5-star rating system. Ratings reflect performance in preventive care, chronic condition management, and member experience.