2026 Medicare Advantage Plans in Gurabo Municipio, PR
Last update: . Enrollment data updated: May 2, 2026
For 2026, Gurabo Municipio, PR includes 21 Medicare Advantage plans. Enrollment across these plans totals approximately 2,633, with 20 $0 premium options and 95% rated 4 stars or higher.
This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Gurabo Municipio, PR are summarized separately. Visit Medicare Options in Gurabo Municipio, PR to see more options.
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in how members access care.
- Total PPO Plans
- 1
- Average Monthly Premium
- $0.00/mo
- Total PPO Enrollment
- 26
- $0 Premium PPO Plans
- 1
- Average MOOP
- $6,751
- Top PPO by Enrollment
- Óptimo Plus (PPO) — 26 enrollees
- PPO Plans Without Drug Coverage
- 0
| PPO Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| Óptimo Plus | $0 | $6,751 | $0 | H4005-004-0 |
What is the average monthly premium for PPO plans in Gurabo?
PPO plans in Gurabo cost $0.00 per month on average.
Which PPO plan has the highest enrollment in Gurabo?
The most popular PPO plan in Gurabo is Óptimo Plus (PPO), with 26 enrollees.
How many PPO plans in Gurabo do not include prescription drug coverage?
0 PPO plans in Gurabo do not include prescription drug coverage.
Medicare Advantage HMO Plans
Health Maintenance Organization (HMO) plans generally require members to use in-network doctors, hospitals, and other providers, except in emergencies. Because of this structure, HMOs often have lower premiums and out-of-pocket costs than other plan types.
- Total HMO Plans 9
- Average Monthly Premium $0.00/mo
- Total HMO Enrollment 1,751
- $0 Premium HMO Plans 9
- Average MOOP $3,578
- Top HMO by Enrollment MCS Classicare Estrella (HMO) — 628 enrollees
- HMO Plans Without Drug Coverage 1
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | 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 | H5774-047-5 | |
| Enlace Plus | $0 | $4,200 | $0 | H5774-038-0 |
What is the top HMO by enrollment in Gurabo?
MCS Classicare Estrella (HMO) is the top HMO in Gurabo, with 628 enrollees.
What is the number of HMO plans without Part D coverage in Gurabo?
1 HMO plans in Gurabo do not include prescription drug coverage.
Medicare Advantage HMO-POS Plans
HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, while allowing limited out-of-network access at higher cost. This provides added flexibility compared with standard HMO plans.
- Total HMO-POS Plans
- 11
- Average Monthly Premium
- $1.36/mo
- Total HMO-POS Enrollment
- 856
- $0 Premium HMO-POS Plans
- 10
- Average MOOP
- $3,350
- Top HMO-POS by Enrollment
- MCS Classicare Essential (HMO-POS) — 334 enrollees
- HMO-POS Plans Without Drug Coverage
- 0
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | 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 typical premium for HMO-POS plans in Gurabo?
HMO-POS plans in Gurabo cost $1.36 per month on average.
Which HMO-POS plan has the most members in Gurabo?
The most popular HMO-POS plan in Gurabo is MCS Classicare Essential (HMO-POS), with 334 enrollees.
How many HMO-POS options are offered without prescription drug coverage in Gurabo?
There are 0 HMO-POS plans in Gurabo without prescription drug coverage.
CMS quality ratings for Medicare Advantage plans in Gurabo Municipio, PR (2026) are summarized below.
| 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 | |
* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.
- 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
All plan counts, enrollment totals, averages, and percentage distributions are calculated at the county level using CMS data and include standard Medicare Advantage (MA/MAPD) plans only, based on a consistent aggregation methodology.
Data sources and methodology documentation .
- Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Compare Original Medicare & Medicare Advantage" — Last accessed 25 May, 2025
- NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 25 May, 2025
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Data provenance is documented in accordance with the U.S. Core Data for Interoperability (USCDI) Provenance standard .
Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.