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MCS Classicare Platino Maximo (HMO D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for MCS Classicare Platino Maximo (HMO D-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on MCS Classicare Platino Maximo (HMO D-SNP) in 2026, please refer to our full plan details page.
MCS Classicare Platino Maximo (HMO D-SNP) is a HMO D-SNP 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 Platino Maximo (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:
MCS Classicare Platino Maximo (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 MCS Classicare Platino Maximo (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 MCS Classicare Platino Maximo (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 $80.00. 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 $3400.00 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 MCS Classicare Platino Maximo (HMO D-SNP) Medicare Advantage plan features an annual prescription drug deductible of $615. You will need to pay this deductible amount for your covered medications before the plan begins to pay its share of prescription costs. Knowing this deductible is essential for estimating your yearly out-of-pocket healthcare expenses. Specific drug coverage tier details, including individual copays and coinsurance rates, are currently unavailable for this plan. To find out how much your specific medications will cost, you should review the plan's formulary or contact the provider. Comparing the $615 drug deductible to your current prescriptions will help you determine if this plan meets your financial and healthcare needs.
Additional Benefits
The MCS Classicare Platino Maximo (HMO D-SNP) offers robust medical coverage featuring no copays and no coinsurance for most of its covered services. This cost-free sharing applies to inpatient and outpatient hospital care, primary and specialist visits, home health services, and skilled nursing facility stays. However, it is important to note that diagnostic and radiological services are completely excluded from coverage under this plan. For supplemental benefits, the plan provides coverage with no copays, no coinsurance, and no deductibles for vision, hearing, and select dental services, including annual limits of $500 for eyewear, $500 for hearing aids, and $1,200 for dental treatments. Members also receive a $200 monthly allowance for over-the-counter items and up to 18 one-way transportation trips per year to plan-approved locations. These additional benefits help reduce out-of-pocket expenses while supporting daily health and wellness needs.
Inpatient Hospital See details
MCS Classicare Platino Maximo (HMO D-SNP) covers inpatient acute and psychiatric hospital services with no copay and no coinsurance, though prior authorization and referrals are required. This benefit is partially covered, as additional days, upgrades, and non-Medicare-covered stays are not covered by the plan.
Outpatient Services See details
MCS Classicare Platino Maximo (HMO D-SNP) covers outpatient hospital, ambulatory surgical center, and outpatient blood services with no copay and no coinsurance. For outpatient substance abuse, some services are covered but individual and group sessions are not covered.
Partial Hospitalization See details
Partial hospitalization is covered under the MCS Classicare Platino Maximo (HMO D-SNP) plan with no copay and no coinsurance.
Ambulance and Transportation Services See details
Ambulance and transportation services are offered by MCS Classicare Platino Maximo (HMO D-SNP) with no copay and no coinsurance for covered benefits. While ground and air ambulance services are not covered, the plan provides up to 18 one-way transportation trips per year to plan-approved health-related locations, though transportation to any health-related location is not covered.
Emergency Services See details
MCS Classicare Platino Maximo (HMO D-SNP) covers emergency and urgently needed services with no copay and no coinsurance. While worldwide emergency and urgent care are also covered with no copay and no coinsurance, this benefit is partially covered because worldwide emergency transportation is not covered.
Primary Care See details
MCS Classicare Platino Maximo (HMO D-SNP) covers primary care, specialist visits, therapies, telehealth, and opioid treatment with no copay and no coinsurance, while podiatry is not covered. Chiropractic care is partially covered with no copay and no coinsurance, though other chiropractic services are not covered. Some mental health specialty and psychiatric services are covered with no copay and no coinsurance, but individual sessions and group sessions are not covered.
Preventive Services See details
MCS Classicare Platino Maximo (HMO D-SNP) covers preventive services, kidney disease education, and select additional benefits with no copay and no coinsurance. This coverage is partial, as several sub-services—including the annual physical exam, fitness benefit, in-home safety assessment, and personal emergency response system—are not covered.
Hearing Services See details
MCS Classicare Platino Maximo (HMO D-SNP) covers annual routine hearing exams and fitting evaluations with no copay and no coinsurance. Prescription hearing aids are partially covered with no copay or coinsurance up to a $500 yearly limit, though OTC, inner ear, outer ear, and over-the-ear hearing aids are not covered.
Vision Services See details
Vision services are partially covered by MCS Classicare Platino Maximo (HMO D-SNP) with no copays, no coinsurance, and no deductibles. The plan covers one routine eye exam per year and up to $500 annually for eyewear like contact lenses and eyeglasses, though other eye exam services and upgrades are not covered.
Dental Services See details
Dental services are partially covered under MCS Classicare Platino Maximo (HMO D-SNP) with no copay and no coinsurance for Medicare dental, restorative, endodontic, periodontic, prosthodontic, implants, and oral surgery up to a $1,200 annual maximum. However, preventive services—including cleanings, oral exams, x-rays, and fluoride—as well as maxillofacial prosthetics and orthodontics are not covered.
Home Infusion bundled Services See details
MCS Classicare Platino Maximo (HMO D-SNP) partially covers Home Infusion bundled services with no copay and no coinsurance, though prior authorization and step therapy are required. Under this benefit, Medicare Part B insulin is covered with no copay and no coinsurance, while Medicare Part B chemotherapy/radiation drugs and other Medicare Part B drugs are not covered.
Dialysis Services See details
Dialysis Services are covered under the MCS Classicare Platino Maximo (HMO D-SNP) plan with no copay and no coinsurance.
Medical Equipment See details
MCS Classicare Platino Maximo (HMO D-SNP) covers Durable Medical Equipment (DME) with no copay and no coinsurance, though prior authorization and preferred vendors are required. However, prosthetic devices, medical supplies, diabetic supplies, and diabetic therapeutic shoes or inserts are not covered under this plan.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are not covered under the MCS Classicare Platino Maximo (HMO D-SNP) plan, as diagnostic procedures, lab services, radiological services, and outpatient X-rays are excluded from coverage.
Home Health Services See details
MCS Classicare Platino Maximo (HMO D-SNP) covers home health services with no copay and no coinsurance. Prior authorization and a referral are required to access this benefit.
Cardiac Rehabilitation Services See details
MCS Classicare Platino Maximo (HMO D-SNP) covers some Cardiac Rehabilitation Services with no copay and no coinsurance, although prior authorization is required. However, specific sub-services including cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered.
Skilled Nursing Facility (SNF) See details
MCS Classicare Platino Maximo (HMO D-SNP) covers Skilled Nursing Facility (SNF) services with no copay and no coinsurance, though prior authorization and referrals are required. While the plan allows SNF admission without a prior three-day inpatient hospital stay, additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by MCS Classicare Platino Maximo (HMO D-SNP), featuring acupuncture and over-the-counter (OTC) items with no copay and no coinsurance. Acupuncture is limited to six treatments per year and OTC items are reimbursed up to $200 monthly, though nicotine replacement therapy, naloxone, and meal benefits are not covered.
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