Where to start
This page lists every Medicare plan sold in Guaynabo for 2027, sorted from the lowest cost each month. They're in four tables below, by the kind of coverage. Jump to the one that fits you. Under each table, Compare these plans opens the same plans in our plan list, where you can add your prescriptions, narrow the list and compare plans side by side.
- Medicare Advantage with drug coverage (20 plans)
- Part D drug plans (3 plans)
- Special needs plans (19 plans)
- Medicare Advantage without drug coverage (2 plans)
- Medigap (Medicare Supplement) prices
Not sure which you need? Most people choose either a Medicare Advantage plan, which usually includes drug coverage, or Original Medicare with a Part D drug plan and often a Medigap policy to pay what Medicare leaves.
What would these plans cost you? Try the calculator → It's set to Guaynabo. Add your age, health and drugs to see what each kind of plan would cost you next year and over the years ahead.
The best plan here for…
- A low monthly premium
- Money back on your Part B premium
- The lowest cost in a bad year
- Dental coverage
- A high star rating
- Seeing doctors outside a network
- The lowest-priced Medigap Plan G
No plan is best for everyone, so we pick one for each of these and explain why. All our picks in Guaynabo
At a glance
- 22 Medicare Advantage plans are open to anyone with Medicare here; 22 charge no monthly premium.
- 18 give back part of your Part B premium, up to $157 a month.
- The lowest yearly limit on what you pay for in-network care is $3,250.
- 3 Part D drug plans, from $9.30 to $124.60 a month.
Medicare Advantage plans with drug coverage 20
Medical and drug coverage in one plan, open to anyone with Medicare who lives here. This is what most people mean by a Medicare Advantage plan.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| MMM Deluxe (HMO-POS) Medicare y Mucho Mas (MMM) · H4003-055-000 | HMO-POS | $0/moGives back $157/mo of your Part B premium | $3,250 | 4.5★ |
| MCS Classicare Hero (HMO) MCS Classicare · H5577-044-000 | HMO | $0/moGives back $131/mo of your Part B premium | $3,400 | 5.0★ |
| MMM Valioso (HMO-POS) Medicare y Mucho Mas (MMM) · H4004-066-000 | HMO-POS | $0/moGives back $115/mo of your Part B premium | $3,250 | 4.5★ |
| Enlace Plus (HMO) Triple S Advantage · H5774-038-000 | HMO | $0/moGives back $80/mo of your Part B premium | $4,200 | 5.0★ |
| MMM Estela (HMO-POS) Medicare y Mucho Mas (MMM) · H4003-059-002 | HMO-POS | $0/moGives back $73/mo of your Part B premium | $3,250 | 4.5★ |
| MCS Classicare Estrella (HMO) MCS Classicare · H5577-060-000 | HMO | $0/moGives back $70/mo of your Part B premium | $3,400 | 5.0★ |
| MCS Classicare Efectivo (HMO) MCS Classicare · H5577-005-000 | HMO | $0/moGives back $55/mo of your Part B premium | $3,400 | 5.0★ |
| MMM Balance (HMO-POS) Medicare y Mucho Mas (MMM) · H4004-073-003 | HMO-POS | $0/moGives back $52/mo of your Part B premium | $3,250 | 4.5★ |
| Ahorro Plus (HMO) Triple S Advantage · H5774-047-002 | HMO | $0/moGives back $50/mo of your Part B premium | $4,200 | 5.0★ |
| MMM Plenitud (HMO-POS) Medicare y Mucho Mas (MMM) · H4004-065-000 | HMO-POS | $0/moGives back $45/mo of your Part B premium | $3,250 | 4.5★ |
| MCS Classicare InteliCare (HMO) MCS Classicare · H5577-052-000 | HMO | $0/moGives back $40/mo of your Part B premium | $3,400 | 5.0★ |
| Brillante (HMO-POS) Triple S Advantage · H5774-031-000 | HMO-POS | $0/moGives back $40/mo of your Part B premium | $4,200 | 5.0★ |
| MCS Classicare En Tu Hogar (HMO) MCS Classicare · H5577-043-000 | HMO | $0/moGives back $25/mo of your Part B premium | $3,400 | 5.0★ |
| MCS Classicare RxMax (HMO) MCS Classicare · H5577-059-000 | HMO | $0/moGives back $20/mo of your Part B premium | $3,400 | 5.0★ |
| MMM Grandioso (HMO-POS) Medicare y Mucho Mas (MMM) · H4004-070-000 | HMO-POS | $0/moGives back $8/mo of your Part B premium | $3,250 | 4.5★ |
| MMM Mega Flex (HMO-POS) Medicare y Mucho Mas (MMM) · H4004-071-000 | HMO-POS | $0/moGives back $5/mo of your Part B premium | $3,250 | 4.5★ |
| PMC Max (HMO-POS) Medicare y Mucho Mas (MMM) · H4004-056-000 | HMO-POS | $0/moGives back $3/mo of your Part B premium | $3,250 | 4.5★ |
| MMM Elite (HMO-POS) Medicare y Mucho Mas (MMM) · H4003-034-000 | HMO-POS | $0/mo | $3,250 | 4.5★ |
| Óptimo Plus (PPO) Triple S Advantage · H4005-004-000 | PPO | $0/mo | $7,151 | 4.5★ |
| MCS Classicare Essential (HMO-POS) MCS Classicare · H5577-008-000 | HMO-POS | $0/mo | $3,400 | 5.0★ |
Part D drug plans 3
Standalone drug coverage, for people who keep Original Medicare (often with a Medigap policy). Drug plans are sold for a whole region, so the same plans are sold throughout Puerto Rico.
| Plan | Premium | Drug deductible | Stars |
|---|---|---|---|
| HealthSpring Assurance Rx (PDP) Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-052-000 | $9.30/mo | $700 | 2.5★ |
| HealthSpring Extra Rx (PDP) Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-078-000 | $12.90/mo | $700 | 2.5★ |
| AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare · S5820-037-000 | $124.60/mo | $700 | 3★ |
Special needs plans 19
Medicare Advantage plans built for people with particular needs, and open only to people who have them. If one of the three below describes you, these are often worth a look before a general plan. Each row says who can join.
Who special needs plans are for
- D-SNP: you have Medicaid as well as Medicare (sometimes called "dual eligible" or "Medi-Medi").
- C-SNP: you have a chronic condition the plan is built around, such as diabetes, heart failure, chronic lung disease or dementia. The plan checks with your doctor.
- I-SNP: you live in a nursing home or similar facility, or need that level of care at home.
Why people choose them
- Care built around you. Most assign a care coordinator, and many run clinical programs for the condition they serve: diabetes education and supplies, heart or lung monitoring, medication reviews, or doctors who visit you in a facility.
- Often more generous extras. Many offer larger allowances than general plans for groceries, over-the-counter items, transportation, meals or utilities. Compare the figures; they vary widely from plan to plan.
- Lower costs for many members. With full Medicaid, a D-SNP member usually pays nothing for care Medicare covers.
The catch: you have to qualify, and the plan will check, for example your Medicaid status or a doctor's confirmation of your condition. If you're not sure, your State Health Insurance Assistance Program (SHIP) gives free, unbiased advice.
| Plan | Network | Who can join | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|---|
| MCS Classicare Platino 202 (HMO D-SNP) MCS Classicare · H5577-062-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/moGives back $202.90/mo of your Part B premium | $3,400 | 5.0★ |
| Platino Vita Plus (HMO D-SNP) Triple S Advantage · H5774-050-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/moGives back $202.90/mo of your Part B premium | $0 | 5.0★ |
| Platino Uno (HMO D-SNP) Triple S Advantage · H5774-049-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/moGives back $140/mo of your Part B premium | $3,650 | 5.0★ |
| MCS Classicare Platino Ideal (HMO D-SNP) MCS Classicare · H5577-002-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/moGives back $130/mo of your Part B premium | $3,400 | 5.0★ |
| PLATINO PLUS (HMO D-SNP) Triple S Advantage · H5774-043-002 | HMO | Only for people who have Medicaid as well as Medicare | $0/moGives back $125/mo of your Part B premium | $3,650 | 5.0★ |
| MMM Preciso Platino (HMO D-SNP) Medicare y Mucho Mas (MMM) · H4004-076-002 | HMO | Only for people who have Medicaid as well as Medicare | $0/moGives back $117/mo of your Part B premium | $3,250 | 4.5★ |
| MCS Classicare Platino Maximo (HMO D-SNP) MCS Classicare · H5577-054-003 | HMO | Only for people who have Medicaid as well as Medicare | $0/moGives back $95/mo of your Part B premium | $3,400 | 5.0★ |
| MMM Relax Platino (HMO D-SNP) Medicare y Mucho Mas (MMM) · H4004-072-003 | HMO | Only for people who have Medicaid as well as Medicare | $0/moGives back $93/mo of your Part B premium | $3,250 | 4.5★ |
| Contigo Plus (HMO C-SNP) Triple S Advantage · H5774-022-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/moGives back $70/mo of your Part B premium | $4,200 | 5.0★ |
| ContigoEnMente (HMO C-SNP) Triple S Advantage · H5774-046-000 | HMO | Only for people with certain chronic conditionsDementia | $0/moGives back $60/mo of your Part B premium | $4,200 | 5.0★ |
| MCS Classicare Platino Progreso (HMO D-SNP) MCS Classicare · H5577-017-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/moGives back $45/mo of your Part B premium | $3,400 | 5.0★ |
| MMM Combo Platino (HMO D-SNP) Medicare y Mucho Mas (MMM) · H4004-068-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/moGives back $43/mo of your Part B premium | $3,250 | 4.5★ |
| MCS Classicare Primero (HMO C-SNP) MCS Classicare · H5577-038-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/moGives back $31/mo of your Part B premium | $3,400 | 5.0★ |
| Platino Enlace (HMO D-SNP) Triple S Advantage · H5774-035-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/moGives back $30/mo of your Part B premium | $3,650 | 5.0★ |
| PMC Premier Platino (HMO D-SNP) Medicare y Mucho Mas (MMM) · H4004-048-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/moGives back $29/mo of your Part B premium | $3,250 | 4.5★ |
| MMM Supremo (HMO C-SNP) Medicare y Mucho Mas (MMM) · H4003-009-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/moGives back $25/mo of your Part B premium | $3,250 | 4.5★ |
| MMM Diamante Platino (HMO D-SNP) Medicare y Mucho Mas (MMM) · H4003-017-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/moGives back $14/mo of your Part B premium | $3,250 | 4.5★ |
| MCS Classicare Platino Total (HMO D-SNP) MCS Classicare · H5577-046-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/moGives back $5/mo of your Part B premium | $3,400 | 5.0★ |
| PLATINO ADVANCE (HMO D-SNP) Triple S Advantage · H5774-041-002 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $3,650 | 5.0★ |
Medicare Advantage plans without drug coverage 2
Medical coverage only. These suit people who get their drugs elsewhere, such as from the VA or an employer, since you generally can't add a separate Part D plan to them.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| MMM Valiente (HMO-POS) Medicare y Mucho Mas (MMM) · H4004-075-000 | HMO-POS | $0/moGives back $100/mo of your Part B premium | $3,250 | 4.5★ |
| MCS Classicare Patriot (HMO) MCS Classicare · H5577-016-000 | HMO | $0/mo | $3,400 | 5.0★ |
Medigap (Medicare Supplement)
A Medigap policy pays some or all of what Original Medicare leaves you owing, and works with any doctor who takes Medicare. The coverage of each plan letter is the same whichever company sells it; only the price differs.
Discussion
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