2027 plan year · Puerto Rico
2027 Medicare Advantage plans in Fajardo, PR
40 plans from 3 insurers for 2027. 22 general plans have a $0 monthly premium. The lowest in-network out-of-pocket limit is $3,250.
- 22general plans
- 22$0-premium plans
- $3,250lowest out-of-pocket max
- 5 ★top star rating
- 18Special Needs Plans
2027 Medicare Advantage plans in Fajardo, PR
Sorted by Medicare star rating, then monthly premium and out-of-pocket limit. Premiums shown are the plan's own premium; you also keep paying your Part B premium.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| MCS Classicare Efectivo (HMO) MCS Classicare · HMO · includes drug coverage | $0 | $3,400 | $0 | ★★★★★5 |
| MCS Classicare En Tu Hogar (HMO) MCS Classicare · HMO · includes drug coverage | $0 | $3,400 | $0 | ★★★★★5 |
| MCS Classicare Essential (HMO-POS) MCS Classicare · HMO-POS · includes drug coverage | $0 | $3,400 | $0 | ★★★★★5 |
| MCS Classicare Estrella (HMO) MCS Classicare · HMO · includes drug coverage | $0 | $3,400 | $0 | ★★★★★5 |
| MCS Classicare Hero (HMO) MCS Classicare · HMO · includes drug coverage | $0 | $3,400 | $0 | ★★★★★5 |
| MCS Classicare InteliCare (HMO) MCS Classicare · HMO · includes drug coverage | $0 | $3,400 | $0 | ★★★★★5 |
| MCS Classicare Patriot (HMO) MCS Classicare · HMO · no drug coverage | $0 | $3,400 | — | ★★★★★5 |
| MCS Classicare RxMax (HMO) MCS Classicare · HMO · includes drug coverage | $0 | $3,400 | $0 | ★★★★★5 |
| Ahorro Plus (HMO) Triple S Advantage · HMO · includes drug coverage | $0 | $4,200 | $0 | ★★★★★5 |
| Brillante (HMO-POS) Triple S Advantage · HMO-POS · includes drug coverage | $0 | $4,200 | $0 | ★★★★★5 |
| Enlace Plus (HMO) Triple S Advantage · HMO · includes drug coverage | $0 | $4,200 | $0 | ★★★★★5 |
| MMM Balance (HMO-POS) Medicare y Mucho Mas (MMM) · HMO-POS · includes drug coverage | $0 | $3,250 | $0 | ★★★★★4.5 |
| MMM Deluxe (HMO-POS) Medicare y Mucho Mas (MMM) · HMO-POS · includes drug coverage | $0 | $3,250 | $0 | ★★★★★4.5 |
| MMM Elite (HMO-POS) Medicare y Mucho Mas (MMM) · HMO-POS · includes drug coverage | $0 | $3,250 | $0 | ★★★★★4.5 |
| MMM Estela (HMO-POS) Medicare y Mucho Mas (MMM) · HMO-POS · includes drug coverage | $0 | $3,250 | $0 | ★★★★★4.5 |
| MMM Grandioso (HMO-POS) Medicare y Mucho Mas (MMM) · HMO-POS · includes drug coverage | $0 | $3,250 | $0 | ★★★★★4.5 |
| MMM Mega Flex (HMO-POS) Medicare y Mucho Mas (MMM) · HMO-POS · includes drug coverage | $0 | $3,250 | $0 | ★★★★★4.5 |
| MMM Plenitud (HMO-POS) Medicare y Mucho Mas (MMM) · HMO-POS · includes drug coverage | $0 | $3,250 | $0 | ★★★★★4.5 |
| MMM Valiente (HMO-POS) Medicare y Mucho Mas (MMM) · HMO-POS · no drug coverage | $0 | $3,250 | — | ★★★★★4.5 |
| MMM Valioso (HMO-POS) Medicare y Mucho Mas (MMM) · HMO-POS · includes drug coverage | $0 | $3,250 | $0 | ★★★★★4.5 |
| PMC Max (HMO-POS) Medicare y Mucho Mas (MMM) · HMO-POS · includes drug coverage | $0 | $3,250 | $0 | ★★★★★4.5 |
| Óptimo Plus (PPO) Triple-S Advantage · PPO · includes drug coverage | $0 | $7,151 | $0 | ★★★★★4.5 |
Special Needs Plans (SNPs)
Only for people who qualify: Dual-Eligible plans need both Medicare and Medicaid, Chronic Condition plans need a qualifying condition, and Institutional plans are for nursing home residents.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| Platino Vita Plus (HMO D-SNP) Triple S Advantage · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $0 | $700 | ★★★★★5 |
| MCS Classicare Platino 202 (HMO D-SNP) MCS Classicare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $3,400 | $700 | ★★★★★5 |
| MCS Classicare Platino Ideal (HMO D-SNP) MCS Classicare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $3,400 | $700 | ★★★★★5 |
| MCS Classicare Platino Maximo (HMO D-SNP) MCS Classicare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $3,400 | $700 | ★★★★★5 |
| MCS Classicare Platino Progreso (HMO D-SNP) MCS Classicare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $3,400 | $700 | ★★★★★5 |
| MCS Classicare Platino Total (HMO D-SNP) MCS Classicare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $3,400 | $700 | ★★★★★5 |
| MCS Classicare Primero (HMO C-SNP) MCS Classicare · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $3,400 | $0 | ★★★★★5 |
| PLATINO ADVANCE (HMO D-SNP) Triple S Advantage · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $3,650 | $700 | ★★★★★5 |
| Platino Enlace (HMO D-SNP) Triple S Advantage · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $3,650 | $700 | ★★★★★5 |
| PLATINO PLUS (HMO D-SNP) Triple S Advantage · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $3,650 | $700 | ★★★★★5 |
| ContigoEnMente (HMO C-SNP) Triple S Advantage · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $4,200 | $0 | ★★★★★5 |
| Contigo Plus (HMO C-SNP) Triple S Advantage · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $4,200 | $0 | ★★★★★5 |
| MMM Combo Platino (HMO D-SNP) Medicare y Mucho Mas (MMM) · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $3,250 | $700 | ★★★★★4.5 |
| MMM Diamante Platino (HMO D-SNP) Medicare y Mucho Mas (MMM) · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $3,250 | $700 | ★★★★★4.5 |
| MMM Preciso Platino (HMO D-SNP) Medicare y Mucho Mas (MMM) · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $3,250 | $700 | ★★★★★4.5 |
| MMM Relax Platino (HMO D-SNP) Medicare y Mucho Mas (MMM) · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $3,250 | $700 | ★★★★★4.5 |
| MMM Supremo (HMO C-SNP) Medicare y Mucho Mas (MMM) · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $3,250 | $0 | ★★★★★4.5 |
| PMC Premier Platino (HMO D-SNP) Medicare y Mucho Mas (MMM) · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $3,250 | $700 | ★★★★★4.5 |
What changed from 2026 to 2027
- 9 plans are new here for 2027.
- 9 plans offered here in 2026 aren't listed for 2027 (for example MMM Unico (HMO-POS), MMM Flexi Platino (HMO D-SNP), MMM Relax Platino (HMO D-SNP)). If yours is one of them, the plan should send you a notice explaining your options.
- Of the 31 plans offered both years, 0 raised the monthly premium and 0 lowered it.
Compared by plan ID. Plans that were renamed or merged into another plan may appear as new or ended.
Care quality in Fajardo
Medicare Advantage plans use networks. Before choosing, check that the hospitals and nursing homes you'd want are in the plan's network, and how they're rated.
Other coverage options
- Stand-alone Part D drug plans in Puerto Rico (for people with Original Medicare)
- Medicare Advantage vs. Original Medicare
Frequently asked questions
How many Medicare Advantage plans are available in Fajardo, PR for 2027?
40 plans from 3 insurers: 22 general plans open to anyone with Medicare Parts A and B who lives here, plus 18 Special Needs Plans for people who qualify.
Are there $0-premium Medicare Advantage plans in Fajardo, PR?
Yes. 22 general plans have a $0 monthly plan premium for 2027. You still pay your Medicare Part B premium, and copays and coinsurance still apply.
What is the highest-rated Medicare Advantage plan in Fajardo, PR?
MCS Classicare Efectivo (HMO) from MCS Classicare has the top Medicare star rating here (5 stars). Star ratings are given to the insurer's contract, so several plans can share one.
Which plan has the lowest out-of-pocket maximum in Fajardo, PR?
MMM Balance (HMO-POS) caps in-network out-of-pocket costs at $3,250 for 2027.