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Individual-coverages-list-2026

2026 Individual Coverages

MCS Classicare has developed innovative health coverage options designed to meet your needs as a Medicare beneficiary.

MCS Classicare En tu Hogar (HMO)

Benefits such as home bundle with $1,980 per year ($165 monthly) for items such as: diapers, cream, wet wipes, nutritional drinks, ointments, and pressure ulcer creams. Also, in-home foot care with $0 copay (1 visit per quarter).

Older adult happily receiving assistance at home.
Smiling woman sitting at home with a book in her hand.

MCS Classicare Essential (HMO-POS)

You will have the benefit of eyewear with $1,100 per year, and the Comprehensive Dental benefit with $3,500 per year for restorative services, crowns, and prosthodontics. Also, $0 copay on primary care physician and specialists. You will also have the hearing aids benefit with $1,500 per year ($750 per ear).

MCS Classicare Efectivo (HMO)

Includes Comprehensive Dental benefit with $2,750 per year for restorative services, crowns, and prosthodontics. Also, a reduction on the Medicare Part B premium of $660 per year ($55 monthly). You also have health benefits such as: visits to primary care physicians and specialists with $0 copay.

Older couple dancing and smiling.
Smiling couple walking outdoors with trees in the background.

MCS Classicare Firme (HMO)

You will have available on the Te Paga Card $1,440 per year ($120 monthly). You can also enjoy the Comprehensive Dental benefit with $3,000 per year for restorative services, crowns, and prosthodontics. Also, the combined benefit for eyewear and hearing aids with $950 per year, $0 copay for visits to primary care physicians and specialists, among others. Access to the provider's network all over Puerto Rico. The service area is available to beneficiaries residing in any of the 39 eligible municipalities.

MCS Classicare InteliCare (HMO)

You will have the benefit of the Te Paga Card with $900 per year ($75 monthly), and the Comprehensive Dental benefit with $2,500 per year for restorative services, crowns, and prosthodontics. In addition, $0 copay on visits to primary care physicians and specialists.

Smiling older couple.
Man wearing a hat enjoying nature.

MCS Classicare Patriot (HMO)

You will have available on the Te Paga Card $2,400 per year ($200 monthly), the Comprehensive Dental benefit with $2,500 per year, and the combined benefit for eyewear and hearing aids of $700 per year. In addition, transportation with 28 one-way trips and 40 one-way trips to Veteran affairs facilities.

MCS Classicare RxMax (HMO)

You will have available on the Te Paga Card $768 per year ($64 monthly), and a reduction on the Medicare Part B premium of $240 per year ($20 monthly). Also, the Comprehensive Dental benefit with $2,500 per year for restorative services, crowns, and prosthodontics. In addition, the hearing aids benefit with $2,000 per year ($1,000 per ear) and 16 annual visits (4 quarterly) for home assistance.

Couple happily enjoying nature with arms outstretched.
Couple enjoying nature, riding bicycles.

MCS Classicare Primero (HMO C-SNP)

You will have available on the Te Paga Card $624 per year ($52 monthly), and a reduction on the Medicare Part B premium of $372 per year ($31 monthly). In addition, the Comprehensive Dental benefit with $3,000 annual for restorative services, crowns, and prosthodontics. You will also receive 16 visits per year (4 quarterly) for home assistance.

MCS Classicare Estrella (HMO)

You will have available on Te Paga Card $300 per year ($25 monthly). Also, the Comprehensive Dental benefit with $2,700 per year for restorative services, crowns, and prosthodontics. It also includes the new benefit of the Healthy Food Box (1 quarterly box). You will also receive 16 annual visits (4 quarterly) for home assistance. Access to the provider's network all over Puerto Rico. The service area is available to beneficiaries residing in any of the 37 eligible municipalities.

Couple looking at each other happily while enjoying nature.
Couple outdoors holding exercise mats.

MCS Classicare Excede (HMO) (Region 1)

You will have available on the Te Paga Card $1,308 per year ($109 monthly), and a reduction on the Medicare Part B premium of $720 per year ($60 monthly). In addition, the Comprehensive Dental benefit with $1,500 per year for restorative services, crowns, and prosthodontics. You also have the combined benefit for hearing aids and eyewear with $500 per year, and access to the provider network around the island. The service area is available to beneficiaries residing in any of the 13 eligible municipalities.

MCS Classicare Excede (HMO) (Region 2)

You will have available on Te Paga Card $768 per year ($64 monthly), and a reduction on the Medicare Part B premium of $720 per year ($60 monthly). Also, the Comprehensive Dental benefit with $1,500 per year for restorative services, crowns and prosthodontics. You also have the combined benefit for hearing aids and eyewear with $500 per year, and access to the provider network around the island. The service area is available to beneficiaries residing in any of the 21 eligible municipalities.

Couple hugging outdoors and smiling.
Smiling couple at home; the man has a cane.

MCS Classicare Excede (HMO) (Region 3)

You will have available on Te Paga Card $468 per year ($39 monthly), and a reduction on the Medicare Part B premium of $720 per year ($60 monthly). Also, the Comprehensive Dental benefit with $1,500 per year for restorative services, crowns, and prosthodontics. Additionally, the combined benefit for hearing aids and eyewear with $500 per year, and access to the provider network around the island. The service area is available to beneficiaries residing in any of the 11 eligible municipalities.

Benefits may vary by plan. Call us or refer to your Evidence of Coverage available on our website www.mcsclassicare.com for benefit information, periodicity, limitations, and exclusions. The Te Paga card allowance includes your monthly OTC allowance. Enrollees who meet the eligibility criteria for Special Supplemental Benefits for the Chronically Ill (SSBCI) may use the card to purchase both OTC items and additional eligible items and services. Te Paga Card, Healthy Food Box, Transportation for non-medical needs and Home Assistance: Eligible enrollees with chronic conditions, such as Chronic Hypertension, Cardiovascular Disorders, Diabetes Mellitus, Chronic Kidney Disease, Chronic and Disabling Mental Health Conditions, and other conditions not listed are eligible for the SSBCI program. Eligibility for the benefits described is not guaranteed solely based on the presence of a listed chronic condition. All applicable eligibility requirements must be met before the benefit is provided. For details, please contact us. Referrals are required for certain services under the MCS Classicare InteliCare (HMO) plan. The Te Paga Card for MCS Classsicare Efectivo (HMO), InteliCare (HMO) and En Tu Hogar (HMO): Unused amounts do not rollover to the next month. Home Assistance, Home Bundle and In-Home Foot Care: Unused amounts do not rollover to the next month or quarter. The maximum benefit amount for eyewear and hearing aids is combined and includes coverage for repairs.
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