2026 Medicare Advantage Plans in Isabela Municipio, PR
Last update: . Enrollment data updated: May 2, 2026
For 2026, Isabela Municipio, PR includes 23 Medicare Advantage plans. Enrollment across these plans totals approximately 3,072, with 22 $0 premium options and 96% rated 4 stars or higher.
Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for Isabela Municipio, PR are provided separately. Or you can discover all Medicare Options in Isabela Municipio, PR.
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
- 15
- $0 Premium PPO Plans
- 1
- Average MOOP
- $6,751
- Top PPO by Enrollment
- Óptimo Plus (PPO) — 15 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 typical premium for PPO plans available in Isabela?
PPO plans in Isabela cost $0.00 per month on average.
Which PPO plan do most beneficiaries choose in Isabela?
The most popular PPO plan in Isabela is Óptimo Plus (PPO), with 15 enrollees.
How many PPO options are offered without drug coverage in Isabela?
0 PPO plans in Isabela 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 11
- Average Monthly Premium $0.00/mo
- Total HMO Enrollment 2,652
- $0 Premium HMO Plans 11
- Average MOOP $3,545
- Top HMO by Enrollment MCS Classicare Excede (HMO) — 1,168 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 Excede | $0 | $3,400 | $0 | H5577-056-1 | |
| MCS Classicare Firme | $0 | $3,400 | $0 | H5577-042-0 | |
| 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 | H5774-047-1 | |
| Enlace Plus | $0 | $4,200 | $0 | H5774-038-0 |
What is the total number of HMO plans offered in Isabela?
In 2026, Isabela Municipio has 11 HMO plans with 2,652 enrollees.
How much do HMO plans cost in Isabela?
The typical HMO premium in Isabela is $0.00, and 11 plans have no monthly premium.
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
- 405
- $0 Premium HMO-POS Plans
- 10
- Average MOOP
- $3,350
- Top HMO-POS by Enrollment
- MCS Classicare Essential (HMO-POS) — 120 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 | H4004-073-1 | |
| 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 average monthly premium for HMO-POS plans?
- HMO-POS plans in Isabela cost $1.36 per month on average.
- Which HMO-POS plan is most popular in Isabela?
- The most popular HMO-POS plan in Isabela is MCS Classicare Essential (HMO-POS), with 120 enrollees.
- How many HMO-POS plans in Isabela do not include drug coverage?
- There are 0 HMO-POS plans in Isabela without prescription drug coverage.
CMS quality ratings for Medicare Advantage plans in Isabela Municipio, PR (2026) are summarized below.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | 19 | 83% |
| 4 Stars (includes 5 Stars) | 22 | 96% |
| 3 Stars | 1 | 4% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 4.87 | |
* Star ratings are based on CMS quality measures and reflect plan performance for the 2026 rating period.
- 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, "Explore your Medicare coverage options" — 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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