2026 Medicare Advantage Plans in Luquillo Municipio, PR
Last update: . Enrollment data updated: May 2, 2026
In Luquillo Municipio, PR, there are 20 Medicare Advantage plans available for 2026. Of these, 19 offer a $0 monthly premium, and about 95% are rated 4 stars or higher based on CMS quality ratings.
Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Luquillo Municipio, PR. Or explore all Medicare Options available in Luquillo 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 12
- $0 Premium PPO Plans 1
- Average MOOP $6,751
- Top PPO by Enrollment Óptimo Plus (PPO) — 12 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 total number of PPO plans offered in Luquillo?
There are 1 PPO plans in 2026, covering 12 beneficiaries.
How much do PPO plans cost in Luquillo?
The average PPO premium in Luquillo is $0.00 per month, with 1 plans offering $0 premiums.
What is the most popular PPO plan in Luquillo?
Óptimo Plus (PPO) is the top PPO in Luquillo, with 12 enrollees.
What is the number of PPO plans without Part D coverage in Luquillo?
There are 0 PPO plans in Luquillo 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
- 8
- Average Monthly Premium
- $0.00/mo
- Total HMO Enrollment
- 647
- $0 Premium HMO Plans
- 8
- Average MOOP
- $3,600
- Top HMO by Enrollment
- MCS Classicare Efectivo (HMO) — 268 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 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 average monthly premium for HMO plans?
HMO plans in Luquillo cost $0.00 per month on average.
Which HMO plan is most popular in Luquillo?
The most popular HMO plan in Luquillo is MCS Classicare Efectivo (HMO), with 268 enrollees.
How many HMO plans in Luquillo do not include drug coverage?
There are 1 HMO plans in Luquillo without prescription drug coverage.
Medicare Advantage HMO-POS Plans
HMO Point-of-Service (HMO-POS) plans combine HMO network rules with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.
| 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 leading HMO-POS plan in Luquillo?
MMM Plenitud (HMO-POS) is the top HMO-POS in Luquillo, with 111 enrollees.
What is the number of HMO-POS plans without Part D coverage in Luquillo?
0 HMO-POS plans in Luquillo do not include prescription drug coverage.
The table below shows CMS star ratings for Medicare Advantage plans in Luquillo Municipio, PR for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | 16 | 80% |
| 4 Stars (includes 5 Stars) | 19 | 95% |
| 3 Stars | 1 | 5% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 4.85 | |
* 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 .
- Medicare.gov, "Compare types of Medicare Advantage Plans" — 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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