MCS Classicare Hero (HMO) Medicare Advantage Plan H5577-044 • 2027 • Rincon Municipio, PR
- Monthly Premium
- $0.00Plus Part B premium.
- Medical Deductible
- $0.00
- Maximum Out-of-Pocket
- $3400.00In-network
- Part B Giveback
- −$131.00 reduction
- Prescription Coverage
- Enhanced, $0.00 deductible
- Additional Benefits
- Dental, Vision, Hearing
- Service Area
- Rincon Municipio, PR
- Local Enrollment
- 13 beneficiaries in Rincon Municipio
MCS Classicare Hero (HMO) Introduction
MCS Classicare Hero is a Medicare Advantage HMO plan offered by MCS Classicare. It uses a Health Maintenance Organization (HMO) provider network and comes with prescription drug coverage. For the 2027 plan year it has a $0.00 monthly premium, $0.00 medical deductible, and $3400.00 in-network maximum out-of-pocket. CMS Plan ID H5577-044 identifies this plan. The 2027 Part D prescription drug deductible is $0.00.
You must live in Rincon Municipio, Puerto Rico to enroll in this plan. CMS reports 13 beneficiaries enrolled in this plan in Rincon Municipio. For assistance with this plan, new members can call (866)627-8181 (TTY (866)627-8182).
Compare Similar Plans in Rincon Municipio
Compare this plan with the two most-enrolled HMO plans available in Rincon Municipio, Puerto Rico. Enrollment is based on CMS local enrollment data.
| Plan Detail | MCS Classicare Hero | MCS Classicare Excede | MCS Classicare Firme |
|---|---|---|---|
| CMS Plan ID | H5577-044-0 |
H5577-056-1 |
H5577-042-0 |
| Local Enrollment | 13 | 425 | 306 |
| Monthly Premium | $0.00 | $0.00 | $0.00 |
| Medical Deductible | $0.00 | $0.00 | $0.00 |
| Maximum Out-of-Pocket | $3,400.00 | $3,400.00 | $3,400.00 |
| Part B Giveback | −$131.00 reduction | −$70.00 reduction | −$10.00 reduction |
| Primary Care | $11 copay | $0 copay | $0 copay |
| Specialist | $20 copay | $0 copay | $0 copay |
| Part D Deductible | $0.00 | $0.00 | $0.00 |
| CMS Star Rating | Not yet rated | Not yet rated | Not yet rated |
| Dental | $0 copay | $0 copay | $0 copay |
| Vision | $0 copay | $0 copay | $0 copay |
| Hearing | $0 copay | $0 copay | $0 copay |
Plan Benefits
MCS Classicare Hero has cost-sharing, meaning there are out-of-pocket costs when receiving covered healthcare services. The tables below detail the most common in-network out-of-pocket expenses for plan H5577-044.
You can also compare 2027 costs and coverage with last year, side-by-side: Plan H5577-044-0 Cost Compare.
Office Visits
- Primary care
- In-network: $11 copay
- Specialist
- In-network: $20 copay
Preventive and Wellness Services
- Annual wellness exam
- Not covered
- Telehealth benefit
- In-network: $0 copay
- Routine chiropractic
- In-network: $20 copay
- Fitness benefits
- Coming soon
- Health education
- In-network: $0 copay
- Counseling services
- Not covered
- Over-the-counter drug benefits
- Not covered
- Health transportation (non-emergency)
- Coming soon
Diagnostic, Lab, and Imaging Services
- Diagnostic radiology services
- In-network: 0%-20% coinsurance
- Lab services
- In-network: 0%-20% coinsurance
- Outpatient x-rays
- In-network: $0 copay
- Diagnostic tests and procedures
- In-network: 0%-20% coinsurance
Emergency and Urgent Care Services
- Emergency room care
- $75 copay
- Worldwide emergency care
- Coming soon
- Urgent care
- $0 copay
- Inpatient hospital care
- Tier 1
$100 per stay
Tier 2
$200 per stay - Skilled Nursing Facility
- $0 copay
- Ground ambulance
- In-network: $0 copay
Mental Health Services
- Outpatient individual therapy
- In-network: $0 copay
- Outpatient group therapy
- In-network: $0 copay
- Inpatient psychiatric hospital care
- Tier 1
$100 per stay
Tier 2
$200 per stay
Rehabilitation Services
- Physical therapy and speech and language therapy
- In-network: $0 copay
- Occupational therapy
- In-network: $0 copay
Medical Equipment and Supplies
- Diabetes supplies
- In-network: $0 copay
- Durable medical equipment
- In-network: $0 copay
- Prosthetics
- In-network: 0%-20% coinsurance
Medicare Part B Drugs
- Chemotherapy
- In-network: 0%-20% coinsurance
- Other Part B drugs (Medicare-covered)
- In-network: 0%-20% coinsurance
Dental Services
- Oral exam
- In-network: $0 copay
- Dental x-rays
- In-network: $0 copay
- Cleaning
- In-network: $0 copay
- Periodontics
- In-network: $0 copay
- Endodontics
- In-network: $0 copay
- Restorative services
- In-network: $0 copay
- Implant services
- In-network: $0 copay
- Orthodontics
- Not covered
- Oral/Maxillofacial surgery
- In-network: $0 copay
Vision Services
- Routine eye exam
- In-network: $0 copay
- Contact lenses
- In-network: $0 copay
- Eyeglass frames only
- In-network: $0 copay
- Eyeglass lenses only
- In-network: $0 copay
- Eyeglasses (frames & lenses)
- In-network: $0 copay
- Upgrades
- Not covered
Hearing Services
- Hearing exam
- In-network: $0 copay
- Fitting/evaluation
- In-network: $0 copay
- Prescription hearing aids
- In-network: $0 copay
- OTC hearing aids
- Not covered
Additional and Special Needs Services
- Adult day health services
- Not covered
- Home-based palliative care
- Not covered
- Personal emergency response system
- Coming soon
- Weight management programs
- Not covered
- Wigs for chemotherapy-related hair loss
- Coming soon
- Alternative therapies
- In-network: $0 copay
- Massage therapy
- In-network: $0 copay
- Home/bathroom safety devices
- Not covered
Certain preventive services are covered 100% by MCS Classicare Hero as a Part B benefit.
Prescription Drug Coverage
MCS Classicare Hero 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 Advantage 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.
| Part D Premium Component | Amount |
|---|---|
| Basic Part D Premium: | ($58.00) |
| Supplemental Part D Premium: | $$58.00 |
| Total Part D Premium: | $0.00 |
| Low-Income Premium Subsidy: | Not Applicable |
| Low-Income Premium Subsidy Paid by CMS: | $0.00 |
| Low-Income Subsidy Premium: | $0.00 |
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 Hero may have additional costs at pharmacies. The table below outlines out-of-pocket expenses by drug tier.
| Drug Tier | Retail | Mail Order |
|---|---|---|
| Preferred Generic | $0.00 copay | Coming soon |
| Generic | $0.00 copay | Coming soon |
| Preferred Brand | $20.00 copay | Coming soon |
| Non-Preferred Drug | $40.00 copay | Coming soon |
| Specialty Tier | 33% coinsurance | Coming soon |
| *Deductible does not apply. | ||
CMS 5-Star Performance Ratings (Contract ID: H5577)
Medicare Advantage (Part C) and Part D plans are rated each year by CMS on a 5-star scale. Ratings summarize plan performance across clinical care and member experience measures.
| CMS Measure | Star Rating |
|---|---|
| 2027 Overall Rating | |
| Staying Healthy: Screenings, Tests, Vaccines | |
| Managing Chronic (Long Term) Conditions | |
| Member Experience with Health Plan | |
| Complaints and Changes in Plans Performance | |
| Health Plan Customer Service | |
| Drug Plan Customer Service | |
| Complaints and Changes in the Drug Plan | |
| Member Experience with the Drug Plan | |
| Drug Safety and Accuracy of Drug Pricing |
Contact Information for MCS Classicare
- Website
- MCS Classicare Plan Page
- Providers
- MCS Classicare Providers Page
- Formulary
- MCS Classicare Formulary Page
- Pharmacy
- MCS Classicare Pharmacy Page
- New Member Health Plan Help
- (866)627-8181
- New Member Health Plan TTY
- (866)627-8182
- New Member Part D Help
- (866)627-8181
- New Member Part D TTY Users
- (866)627-8182
Enrollment status and eligibility information are available through the Social Security Administration. Additional information about Medicare Advantage is available at Medicare.gov.
Medicare Plan Data Sources and Methodology
| Data Source | Publisher | Last Accessed |
|---|---|---|
| Landscape Source Files | Centers for Medicare & Medicaid Services | October 5, 2026 |
| Medicare Part C & D Performance | Centers for Medicare & Medicaid Services | October 5, 2026 |
| Plan Benefits Package | Centers for Medicare & Medicaid Services | October 5, 2026 |
| Monthly Enrollment by Contract/Plan/State/County | Centers for Medicare & Medicaid Services | October 5, 2026 |
Data sources and methodology documentation.
| Publisher | Reference | Last Accessed |
|---|---|---|
| MCS Classicare (official source) | http://www.mcsclassicare.com | October 4, 2026 |
| Medicare.gov | Understanding Medicare Advantage Plans | 25 May, 2025 |
| NCOA.org | 5 Steps to Choosing the Right Medicare Plan for You | 25 May, 2025 |
| Medicare.gov | Explore your Medicare coverage options | 25 May, 2025 |
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