2026 Medicare Advantage Plans in Guaynabo Municipio, PR
Last update: . Enrollment data updated: May 2, 2026
Guaynabo Municipio, PR has 21 Medicare Advantage plans available in 2026. These include 20 plans with no monthly premium, and roughly 95% are rated at least 4 stars based on CMS data.
Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Guaynabo Municipio, PR. Or explore all Medicare Options available in Guaynabo Municipio, PR.
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow access to both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in choosing doctors and hospitals.
- Total PPO Plans 1
- Average Monthly Premium $0.00/mo
- Total PPO Enrollment 313
- $0 Premium PPO Plans 1
- Average MOOP $6,751
- Top PPO by Enrollment Óptimo Plus (PPO) — 313 enrollees
- PPO Plans Without Drug Coverage 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Óptimo Plus | $0 | $6,751 | $0 | H4005-004-0 |
What is the most popular PPO plan in Guaynabo?
Óptimo Plus (PPO) is the top PPO in Guaynabo, with 313 enrollees.
What is the number of PPO plans without Part D coverage in Guaynabo?
There are 0 PPO plans in Guaynabo without prescription drug coverage.
Medicare Advantage HMO Plans
HMO plans typically require members to use in-network providers and facilities, except in emergencies. In return, HMOs often offer lower monthly premiums and reduced cost-sharing.
- Total HMO Plans
- 9
- Average Monthly Premium
- $0.00/mo
- Total HMO Enrollment
- 4,154
- $0 Premium HMO Plans
- 9
- Average MOOP
- $3,578
- Top HMO by Enrollment
- MCS Classicare Estrella (HMO) — 1,353 enrollees
- HMO Plans Without Drug Coverage
- 1
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| MCS Classicare Efectivo | $0 | $3,400 | $0 | H5577-005-0 | |
| MCS Classicare En Tu Hogar | $0 | $3,400 | $0 | H5577-043-0 | |
| MCS Classicare Estrella | $0 | $3,400 | $0 | H5577-060-0 | |
| MCS Classicare Hero | $0 | $3,400 | $0 | H5577-044-0 | |
| MCS Classicare InteliCare | $0 | $3,400 | $0 | H5577-052-0 | |
| MCS Classicare Patriot | $0 | $3,400 | N/A | H5577-016-0 | |
| MCS Classicare RxMax | $0 | $3,400 | $0 | H5577-059-0 | |
| Ahorro Plus | $0 | $4,200 | $0 | H5774-047-4 | |
| Enlace Plus | $0 | $4,200 | $0 | H5774-038-0 |
What is the typical premium for HMO plans in Guaynabo?
HMO plans in Guaynabo cost $0.00 per month on average.
Which HMO plan do most beneficiaries choose in Guaynabo?
The most popular HMO plan in Guaynabo is MCS Classicare Estrella (HMO), with 1,353 enrollees.
How many HMO options are offered without prescription drug coverage in Guaynabo?
There are 1 HMO plans in Guaynabo without prescription drug coverage.
Medicare Advantage HMO-POS Plans
HMO Point-of-Service (HMO-POS) plans combine HMO network requirements with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.
- Total HMO-POS Plans 11
- Average Monthly Premium $1.36/mo
- Total HMO-POS Enrollment 3,245
- $0 Premium HMO-POS Plans 10
- Average MOOP $3,350
- Top HMO-POS by Enrollment MCS Classicare Essential (HMO-POS) — 1,058 enrollees
- HMO-POS Plans Without Drug Coverage 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| MCS Classicare Essential | $0 | $3,400 | $0 | H5577-008-0 | |
| MMM Balance | $0 | $3,250 | $0 | H4004-073-3 | |
| MMM Deluxe | $0 | $3,250 | $0 | H4003-055-0 | |
| MMM Elite | $0 | $3,250 | $0 | H4003-034-0 | |
| MMM Grandioso | $0 | $3,250 | $0 | H4004-070-0 | |
| MMM Mega Flex | $0 | $3,250 | $0 | H4004-071-0 | |
| MMM Plenitud | $0 | $3,250 | $0 | H4004-065-0 | |
| MMM Unico | $15 | $3,250 | $0 | H4003-019-0 | |
| MMM Valioso | $0 | $3,250 | $0 | H4004-066-0 | |
| PMC Max | $0 | $3,250 | $0 | H4004-056-0 | |
| Triple S Advantage Brillante | $0 | $4,200 | $0 | H5774-031-0 |
What is the total number of HMO-POS plans in Guaynabo?
In 2026, Guaynabo has 11 HMO-POS plans with 3,245 enrollees.
How much do HMO-POS plans cost in Guaynabo?
The typical HMO-POS premium in Guaynabo is $1.36, and 10 plans have no monthly premium.
Below is a breakdown of CMS star ratings for Medicare Advantage plans available in Guaynabo Municipio, PR for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | 17 | 81% |
| 4 Stars (includes 5 Stars) | 20 | 95% |
| 3 Stars | 1 | 5% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 4.86 | |
* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed May 2, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed May 2, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed May 2, 2026
County-level figures shown on this page, including plan counts, enrollment totals, averages, and percentage distributions, reflect standard Medicare Advantage (MA/MAPD) plans only and are derived from CMS datasets using a standardized aggregation methodology.
Data sources and methodology documentation .
- CMS.gov, "Medicare Advantage Plan Fact Sheet" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
- Medicare.gov, "Joining a plan" — Last accessed 25 May, 2025
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Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .
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