ContigoEnMente (HMO C-SNP)

ContigoEnMente (HMO C-SNP) is a HMO C-SNP plan offered by Guidewell Mutual Holding Corporation available for enrollment in 2026 to people living in Puerto Rico. This plan received an overall rating of 4.5 out of 5 stars in 2026.

It's important to know that ContigoEnMente (HMO C-SNP) 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 ContigoEnMente (HMO C-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.

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 ContigoEnMente (HMO C-SNP) Medicare plan features a $0 drug deductible, allowing your prescription drug coverage to begin immediately. You will pay no copay for 1-month and 3-month supplies of Tier 1 preferred generics, Tier 2 generics, Tier 3 preferred brands, and Tier 6 select care drugs at preferred pharmacies. Standard mail order also offers no copay for a 3-month supply of these tiers, while standard retail pharmacies charge low copays ranging from $3 to $20 for a 1-month supply. For Tier 4 non-preferred brands, you will pay a $5 copay for a 1-month supply at preferred pharmacies or a $10 copay for a 3-month standard mail order supply. Tier 5 specialty drugs require a 33% coinsurance across all pharmacy types, including preferred, standard, and mail order options. Utilizing preferred pharmacies and standard mail order services with this plan will help you minimize out-of-pocket costs for your prescription medications.

Additional Benefits

The ContigoEnMente (HMO C-SNP) plan offers comprehensive medical coverage with no copays and no coinsurance for inpatient hospital stays, primary care visits, and skilled nursing facility care. Specialist visits, outpatient hospital services, and emergency room visits feature low copayments, ranging from a $5 specialist copay to a $50 emergency room copay, with no coinsurance. Additionally, members can access free transportation services for up to 28 one-way trips per year to plan-approved locations, though ambulance services are not covered. This plan also provides robust supplemental benefits, including dental, vision, and hearing coverage with no copays or coinsurance. Members receive a $400 annual vision allowance, a $2,500 annual dental limit, and a $1,250 annual maximum for prescription hearing aids. Furthermore, the plan includes an over-the-counter allowance of up to $150 monthly and covers acupuncture with no copays, helping you manage your daily health costs effectively.