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Individual coverages list 2027

2027 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 $2,160 annually ($180 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 vision coverage for eyewear with $950 annually, and Comprehensive Dental benefits with $3,500 annually for restorative services, crowns, and prosthodontics. Also, you will enjoy a $0 copay on primary care physician and specialists. You will also have the hearing aids coverage of up to $1,500 annually ($750 per ear).

MCS Classicare Efectivo (HMO)

Includes Comprehensive Dental benefit with $2,750 annually for restorative services, crowns, and prosthodontics. Also, a reduction on the Medicare Part B premium of $660 annually ($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 receive OTC and Eligible Items through the Te Paga Card with an annual benefit of $1,560 ($130 monthly). You can also have Comprehensive Dental coverage with $3,000 annually for restorative services, crowns, and prosthodontics. Also, you will enjoy a combined benefit for eyewear and hearing aids with $950 annually, as well as $0 copay for visits to primary care physicians and specialists, among others.

MCS Classicare InteliCare (HMO)

You will receive OTC and Eligible Items through the Te Paga Card with an annual benefit of $1,080 ($90 monthly), and the Comprehensive Dental coverage with $2,500 annually for restorative services, crowns, and prosthodontics. In addition, you will also have $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 receive OTC and Eligible Items through the Te Paga Card with $2,400 annually ($200 monthly), the Comprehensive Dental coverage with $2,500 annually, and the combined benefit for eyewear and hearing aids of $700 annually. In addition, transportation with 28 one-way trips and 40 one-way trips to Veteran affairs facilities.

MCS Classicare RxMax (HMO)

You will have receive OTC and eligible Items through the Te Paga Card with $768 annually ($64 monthly), and a reduction on the Medicare Part B premium of $240 annually ($20 monthly). Also, the Comprehensive Dental coverage with $2,500 per year for restorative services, crowns, and prosthodontics. In addition, the hearing aids benefit with $1,600 annually ($800 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 receive OTC and Eligible Items through the Te Paga Card with $624 annually ($52 monthly), and a reduction on the Medicare Part B premium of $372 annually ($31 monthly). In addition, the Comprehensive Dental benefit with $3,000 annually for restorative services, crowns, and prosthodontics. You will also have 16 visits per year (4 quarterly) for home assistance.

MCS Classicare Estrella (HMO)

You will have receive OTC and Eligible Items through the Te Paga Card with $300 annually ($25 monthly). Also, the Comprehensive Dental coverage with $2,700 annually for restorative services, crowns, and prosthodontics. It also includes the “Healthy Food Box” (1 quarterly box). You will also receive 16 annual visits (4 quarterly) for home assistance.

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

MCS Classicare Excede (HMO) (Region 1)

You will receive the OTC and Eligible Items through the Te Paga Card with $1,440 annually ($120 monthly), and a reduction on the Medicare Part B premium of $840 annually ($70 monthly). In addition, the Comprehensive Dental coverage with $1,500 annually for restorative services, crowns, and prosthodontics. You also have the combined benefit for hearing aids and eyewear with $500 annually, and access to the provider network around the island.

MCS Classicare Excede (HMO) (Region 2)

You will have receive OTC and Eligible Items through the Te Paga Card with $840 annually ($70 monthly), and a reduction on the Medicare Part B premium of $720 annually ($60 monthly). Also, the Comprehensive Dental coverage with $1,500 annually for restorative services, crowns and prosthodontics. You also have the combined benefit for hearing aids and eyewear with $500 annually, and access to the provider network around the island.

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

MCS Classicare Excede (HMO) (Region 3)

You will receive OTC and Eligible Items through the Te Paga Card with $468 annually ($39 monthly), and a reduction on the Medicare Part B premium of $720 annually ($60 monthly). Also, Comprehensive Dental benefits with $1,500 annually for restorative services, crowns, and prosthodontics. Additionally, the combined benefit for hearing aids and eyewear with $325 annually, and access to the provider network around the island.

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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