MCS Classicare InteliCare (HMO)

MCS Classicare InteliCare (HMO) is a HMO plan offered by MHH Healthcare, L.P. available for enrollment in 2025 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 MCS Classicare InteliCare (HMO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.

Key Plan Facts

Below are a few key facts and commonly-asked questions about MCS Classicare InteliCare (HMO).

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.

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:

Drug Coverage

The MCS Classicare InteliCare (HMO) Medicare plan features a $0 drug deductible, meaning your prescription coverage begins immediately. For medications in Tiers 1 through 4, which include preferred generic, generic, preferred brand, and non-preferred drugs, there is no copay for 1-month, 2-month, or 3-month supplies at standard pharmacies, as well as no copay for 3-month supplies through standard mail order. For Tier 5 specialty drugs, beneficiaries will pay a 25% coinsurance for a 1-month supply at standard pharmacies and through standard mail order. This plan provides predictable, low-cost access to most prescription tiers, helping you save on everyday medications while clearly defining your out-of-pocket costs for specialty drugs.

Additional Benefits

The MCS Classicare InteliCare (HMO) plan offers robust medical coverage with no copay and no coinsurance for many essential services, including inpatient and outpatient hospital stays, primary care, and specialist visits. While routine medical care and preventive services cost nothing, emergency room visits require a $40 copay which is waived if you are admitted to the hospital. Additionally, some specialized treatments require cost-sharing, such as a 20% coinsurance for dialysis and up to a 20% coinsurance for certain Part B drugs. To support your daily wellness, this plan includes valuable dental, vision, and hearing benefits with no copay or coinsurance, featuring a $500 annual allowance for eyewear and another $500 for hearing aids. Eligible members also receive a $75 monthly reimbursement for over-the-counter items and no-cost transportation of up to 50 one-way trips per year to plan-approved locations. These additional benefits help reduce out-of-pocket costs for essential everyday healthcare needs.