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MMM Relax Platino (HMO D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for MMM Relax Platino (HMO D-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on MMM Relax Platino (HMO D-SNP) in 2026, please refer to our full plan details page.
MMM Relax Platino (HMO D-SNP) is a HMO D-SNP plan offered by Elevance Health, Inc. available for enrollment in 2026 to people living in Puerto Rico. This plan received an overall rating of 5 out of 5 stars in 2026.
It's important to know that MMM Relax Platino (HMO D-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
MMM Relax Platino (HMO D-SNP)is a Special Needs Type (SNP) plan. This means you can only enroll in this plan if you meet specific criteria. See our full plan details page for more information.
Key Plan Facts
Below are a few key facts and commonly-asked questions about MMM Relax Platino (HMO D-SNP).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For MMM Relax Platino (HMO D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $92.10. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $615.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $3250.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The MMM Relax Platino (HMO D-SNP) Medicare Advantage plan features an annual prescription drug deductible of $615. This deductible represents the amount you must pay out-of-pocket for your medications before the plan begins to cover its share of the costs. Understanding this deductible is a key step in evaluating your overall healthcare budget and prescription drug expenses. Specific drug coverage tier details, including individual copayments and coinsurance rates for specific prescription tiers, are currently not available for this plan. Beneficiaries are encouraged to review the plan's formulary to verify how their specific medications are classified and covered.
Additional Benefits
The MMM Relax Platino (HMO D-SNP) plan offers comprehensive healthcare coverage with no copays and no coinsurance for primary care, specialist visits, inpatient hospital stays, and outpatient services. Beneficiaries also enjoy no copays or coinsurance for emergency care, home health, and preventive services. Although many of these benefits require prior authorization, the plan significantly limits out-of-pocket expenses for core medical needs. Supplemental benefits such as dental, vision, and hearing care are also available with no copays, no coinsurance, and no deductibles, subject to specific annual limits like a $2,000 dental maximum and a $600 eyewear allowance. While durable medical equipment has no copay, it does carry a 0% to 10% coinsurance, and prosthetics require a 20% coinsurance. Members can also access additional perks like acupuncture, over-the-counter items, and up to 24 one-way transportation trips per year with no copays.
Inpatient Hospital See details
Inpatient hospital services are covered by MMM Relax Platino (HMO D-SNP) with no copay and no coinsurance for both acute and psychiatric stays, though prior authorization is required. Additional days, upgrades, and non-Medicare-covered stays are not covered under this benefit.
Outpatient Services See details
MMM Relax Platino (HMO D-SNP) covers outpatient services, including outpatient hospital, ambulatory surgical center, and blood services, with no copay and no coinsurance. Some outpatient substance abuse services are covered under the plan, though individual and group sessions for outpatient substance abuse are not covered.
Partial Hospitalization See details
MMM Relax Platino (HMO D-SNP) covers partial hospitalization services with no copay and no coinsurance, though prior authorization and a referral are required.
Ambulance and Transportation Services See details
MMM Relax Platino (HMO D-SNP) covers transportation services with no copay and no coinsurance for up to 24 one-way trips per year to plan-approved locations, though prior authorization is required. Ambulance services are not covered under this plan.
Emergency Services See details
MMM Relax Platino (HMO D-SNP) covers emergency and urgently needed services with no copay and no coinsurance. Worldwide emergency services are partially covered up to a $500 maximum with a $75 copay and no coinsurance, but worldwide emergency transportation is not covered.
Primary Care See details
MMM Relax Platino (HMO D-SNP) offers primary care and professional services with no copay and no coinsurance, including specialist visits, physical therapy, and telehealth. Chiropractic care is partially covered, excluding other chiropractic services, while some psychiatric and mental health specialty services are covered, though individual and group sessions are not covered.
Preventive Services See details
Preventive services are covered by MMM Relax Platino (HMO D-SNP) with no copay and no coinsurance, though prior authorization is required for most services. This benefit is partially covered, excluding services such as annual physical exams, in-home safety assessments, and personal emergency response systems, while covering memory fitness, alternative therapies, and nutritional counseling.
Hearing Services See details
MMM Relax Platino (HMO D-SNP) partially covers hearing services with no copay, no coinsurance, and no deductible, offering diagnostic exams, annual fitting evaluations, and up to $600 every three years for prescription hearing aids. However, routine hearing exams, OTC hearing aids, and inner, outer, or over-the-ear prescription hearing aids are not covered, and prior authorization is required.
Vision Services See details
Vision services are partially covered by MMM Relax Platino (HMO D-SNP) with no copay, no coinsurance, and no deductible, though prior authorization is required. Covered eyewear, including contact lenses and eyeglasses, has a $600 annual maximum benefit, but routine eye exams, other eye exam services, eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
MMM Relax Platino (HMO D-SNP) dental services are partially covered, offering Medicare-covered dental, restorative, adjunctive, prosthodontic, and implant services with no copay and no coinsurance, subject to a $2,000 annual maximum and prior authorization. However, preventive and diagnostic services (including oral exams, cleanings, x-rays, and fluoride), endodontics, periodontics, maxillofacial prosthetics, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are partially covered by MMM Relax Platino (HMO D-SNP) with no copay and no coinsurance, though prior authorization and step therapy are required. Under this benefit, Medicare Part B insulin drugs are covered with no copay and no coinsurance, while Medicare Part B chemotherapy, radiation, and other Part B drugs are not covered.
Dialysis Services See details
Dialysis Services are covered by MMM Relax Platino (HMO D-SNP) with no copay and no coinsurance, though prior authorization is required.
Medical Equipment See details
MMM Relax Platino (HMO D-SNP) covers medical equipment with no copay, featuring 0% to 10% coinsurance for durable medical equipment and 20% coinsurance for prosthetics and medical supplies. Diabetic equipment is partially covered with no copay or coinsurance, as diabetic supplies and therapeutic shoes or inserts are not covered.
Diagnostic and Radiological Services See details
MMM Relax Platino (HMO D-SNP) technically offers diagnostic and radiological services with no copay and no coinsurance, but these benefits are not covered in practice because diagnostic procedures, lab services, radiological services, and outpatient X-rays are excluded.
Home Health Services See details
Home Health Services are covered under the MMM Relax Platino (HMO D-SNP) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by MMM Relax Platino (HMO D-SNP) with no copay and no coinsurance, although only some services are covered as standard cardiac, intensive cardiac, pulmonary, and SET for PAD services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are partially covered by MMM Relax Platino (HMO D-SNP) with no copay and no coinsurance, though prior authorization is required. While the plan allows for admission without a prior three-day inpatient hospital stay, additional days beyond Medicare-covered limits are not covered.
Other Services See details
MMM Relax Platino (HMO D-SNP) partially covers other services, offering acupuncture, over-the-counter items, and meal benefits with no copay and no coinsurance. Highly integrated services for dual-eligible SNPs and other additional services are not covered, and acupuncture and meal benefits require prior authorization and referrals.
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Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
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