2027 Medicare Advantage plan

MCS Classicare Hero (HMO): 2027 benefits and costs

MCS Classicare HMO

CMS plan ID: H5577-044-0 · Plan year: 2027

MCS Classicare Hero (HMO) is a 2027 Medicare Advantage plan offered by MCS Classicare. It is listed in Puerto Rico.

2027 plan costs at a glance

Monthly plan premium$0.00

Drug deductible$0.00

In-network medical out-of-pocket maximum$3,400.00

Organization: MCS Classicare
Plan organization: MCS ADVANTAGE, INC.
Parent company: MHH Healthcare, L.P.
Plan type: HMO
Part C premium: $0.00
Part D premium: $0.00
Prescription drug coverage: Yes
2027 CMS Star Rating

Standard monthly Medicare Part B premium: $209.50 (estimated)
Monthly Part B premium after plan reduction: $78.50 (estimated)$209.50 standard premium less $131.00 plan reduction.

You must continue to pay your Medicare Part B premium.

In-network medical deductible: None
In-network medical maximum: $3,400.00

Part B premium reduction: $131.00

2027 benefit summary

Doctor visits and medical care

Common medical services and member costs
Service	In-network	What to know
Primary care doctor	$11.00 copay Service-specific deductible No
Specialist visit	$20.00 copay Service-specific deductible No	Approval required No Referral required No
Telehealth	$0 Service-specific deductible No	Approval required No Referral required No
Emergency care	$75.00 copay
Urgent care	$0
Home health	$0 Service-specific deductible No	Approval required Yes Referral required No
Dialysis	20% coinsurance Service-specific deductible No	Approval required No Referral required No
Part B chemotherapy and radiation drugs	0% to 20% coinsurance Deductible applies No	Approval required Yes
Other Part B drugs	0% to 20% coinsurance Deductible applies No	Approval required Yes
Kidney disease education services	$0 Service-specific deductible No	Approval required No Referral required No
Medicare-covered chiropractic	$20.00 copay Service-specific deductible No	Approval required No Referral required No
Medicare-covered foot care	$20.00 copay Service-specific deductible No	Approval required No Referral required No
Other health professionals	$0 Service-specific deductible No	Approval required No Referral required No

Hospital, outpatient surgery and observation care

Inpatient stays and skilled nursing care

In-network stays. Charges can depend on the number of days and the benefit period.
Care	Your share of the cost	What to know
Inpatient hospital stay	$100.00 copay per stay	Approval required Yes Referral required No Benefit period Per Admission or Per Stay
Inpatient hospital stayCost option 2	$200.00 copay per stay	Approval required Yes Referral required No Benefit period Per Admission or Per Stay

See plan documents for out-of-network hospital and skilled nursing costs.

Hospital, outpatient surgery and observation care and member costs
Service	In-network	What to know
Outpatient hospital care	$0 Service-specific deductible No
Hospital observation services	$0 Service-specific deductible No
Ambulatory surgical center	$0 Service-specific deductible No	Approval required Yes Referral required No
Outpatient blood	$0 Service-specific deductible No	Approval required No Referral required No

Tests, imaging and laboratory services

Tests, imaging and laboratory services and member costs
Service	In-network	What to know
Diagnostic procedures and tests	0% to 20% coinsurance Service-specific deductible No	Approval required Yes Referral required No
Laboratory services	0% to 20% coinsurance Service-specific deductible No	Approval required Yes Referral required No
Diagnostic radiology (CT, MRI)	0% to 20% coinsurance Service-specific deductible No	Approval required Yes Referral required No
Therapeutic radiology	0% to 20% coinsurance Service-specific deductible No	Approval required Yes Referral required No
X-rays	$0 Service-specific deductible No	Approval required Yes Referral required No

Mental health and substance use treatment

Mental health and substance use treatment and member costs
Service	In-network	What to know
Partial hospitalization	$0 Service-specific deductible No	Approval required No Referral required No
Intensive outpatient program	$0 Service-specific deductible No	Approval required No Referral required No
Substance use treatment, individual sessions	$0 Service-specific deductible No	Approval required No Referral required No
Substance use treatment, group sessions	$0 Service-specific deductible No	Approval required No Referral required No
Opioid treatment program	$0 Service-specific deductible No	Approval required No Referral required No
Mental health, individual sessions	$0 Service-specific deductible No	Approval required Yes Referral required No
Mental health, group sessions	$0 Service-specific deductible No	Approval required Yes Referral required No
Psychiatry, individual sessions	$0 Service-specific deductible No	Approval required Yes Referral required No
Psychiatry, group sessions	$0 Service-specific deductible No	Approval required Yes Referral required No

Therapy and rehabilitation

Therapy and rehabilitation and member costs
Service	In-network	What to know
Occupational therapy	$0 Service-specific deductible No	Approval required Yes Referral required No
Physical and speech therapy	$0 Service-specific deductible No	Approval required Yes Referral required No
Cardiac rehabilitation	$0 Service-specific deductible No	Approval required Yes Referral required No
Intensive cardiac rehabilitation	$0 Service-specific deductible No	Approval required Yes Referral required No
Pulmonary rehabilitation	$0 Service-specific deductible No	Approval required Yes Referral required No
Supervised exercise for peripheral artery disease	$0 Service-specific deductible No	Approval required Yes Referral required No

Ambulance, medical equipment and supplies

Ambulance, medical equipment and supplies and member costs
Service	In-network	What to know
Ground ambulance	$0 Service-specific deductible No	Approval required Yes
Air ambulance	$0 Service-specific deductible No	Approval required Yes
Durable medical equipment	$0 Service-specific deductible No	Approval required Yes
Prosthetic devices	0% to 20% coinsurance Service-specific deductible No	Approval required Yes
Medical supplies	10% coinsurance Service-specific deductible No	Approval required Yes
Diabetic supplies	$0 Service-specific deductible No	Approval required Yes
Diabetic shoes and inserts	$0 Service-specific deductible No	Approval required Yes
Diabetic monitors	$0 Service-specific deductible No	Approval required Yes

Dental benefits

Dental benefits and member costs
Service	In-network	What to know
Medicare-covered dental	$0
Oral examsAdditional plan benefit	$0
Dental X-raysAdditional plan benefit	$0
Other diagnostic dentalAdditional plan benefit	$0
Dental cleaningAdditional plan benefit	$0
FluorideAdditional plan benefit	$0
Other preventive dentalAdditional plan benefit	$0
Restorative dental careAdditional plan benefit	$0
Root canal treatment (endodontics)Additional plan benefit	$0
Gum treatment (periodontics)Additional plan benefit	$0
Removable dentures (prosthodontics)Additional plan benefit	$0
Dental implantsAdditional plan benefit	$0
Fixed dental restorations (prosthodontics)Additional plan benefit	$0
Oral surgeryAdditional plan benefit	$0
Other dental servicesAdditional plan benefit	$0

Vision benefits

Vision benefits and member costs
Service	In-network	What to know
Medicare-covered eye exams	$0 Service-specific deductible No	Approval required No Referral required No
Routine eye examsAdditional plan benefit	$0	Approval required No Referral required No
Medicare-covered eyewear	$0 Service-specific deductible No	Approval required No Referral required No
Contact lensesAdditional plan benefit	$0	Approval required No Referral required No
Eyeglasses, lenses and framesAdditional plan benefit	$0	Approval required No Referral required No
Eyeglass lensesAdditional plan benefit	$0	Approval required No Referral required No
Eyeglass framesAdditional plan benefit	$0	Approval required No Referral required No

Hearing benefits

Hearing benefits and member costs
Service	In-network	What to know
Medicare-covered hearing exams	$0 Service-specific deductible No	Approval required No Referral required No
Routine hearing examsAdditional plan benefit	$0	Approval required No Referral required No
Hearing aid fitting and evaluationAdditional plan benefit	$0	Approval required No Referral required No
Prescription hearing aids (all types)Additional plan benefit	$0 Service-specific deductible No	Approval required Yes Referral required No

Extra benefits

Extra benefits and member costs
Service	In-network	What to know
Supplemental acupunctureAdditional plan benefit	$0 Service-specific deductible No	Approval required No Referral required No
Fitness benefitAdditional plan benefit	$0 Service-specific deductible No	Approval required No Referral required No

Allowances and optional benefits

Combined Transportation

One shared limit covers the listed services, not a separate allowance for each service.

Services sharing this allowance: Transportation to plan-approved health locations; Additional Benefits for SSBCI
Service categories that apply to the combined supplemental benefits group for Special Supplemental Benefits for Chronically Ill (SSBCI) package(s): Transportation for non-medical needs (SSBCI: Package 1)
How benefits are provided: Other
How to use the benefit: Transportation provided by contracted vendors
Advance choice of benefits required: No
Shared limit on visits or trips: Yes
Indicate number of shared visits/trips: 78
How often this limit applies: Every year
Are the benefits combined such that a single visit or trip limit available to all enrollees in the benefit details section is extended to an SSBCI or MA UF benefit for eligible enrollees?: Yes

Benefits for qualifying members

Package 1

The plan must confirm eligibility, including any qualifying condition.

Qualifying conditions: Other 5; Chronic alcohol use disorder and other substance use disorders (SUDs); Autoimmune disorders; Cancer; Cardiovascular disorders; Chronic heart failure; Dementia; Diabetes mellitus; Overweight, obesity, and metabolic syndrome; Chronic gastrointestinal disease; Chronic kidney disease (CKD); Severe hematologic disorders; HIV/AIDS; Chronic lung disorders; Chronic and disabling mental health conditions; Neurologic disorders; Stroke; Post-organ transplantation; Immunodeficiency and Immunosuppressive disorders; Conditions associated with cognitive impairment; Conditions with functional challenges; Chronic conditions that impair vision, hearing (deafness), taste, touch, and smell; Conditions that require continued therapy services in order for individuals to maintain or retain functioning; Other 1; Other 2; Other 3; Other 4
Qualifying conditions: Chronic Anemia
Qualifying conditions: Chronic Hypertension
Qualifying conditions: Cerebrovascular disease
Qualifying conditions: Chronic malnutrition
Qualifying conditions: Non-pressure chronic ulcer
Included services: Pest control; Transportation for non-medical needs; Support for daily living; Other 4 Non-Primarily Health Related Benefit
Some package benefits are exempt from the deductible: No

Prescription drug coverage

Costs shown are for initial coverage.

Standard retail costs

On a small screen, scroll the table sideways to compare all fill lengths.

Standard retail: initial-coverage cost per prescription fill
Drug tier	30 days	60 days	90 days
Tier 1Preferred Generic	$0.00	$0.00	$0.00
Tier 2Generic	$0.00	$0.00	$0.00
Tier 3Preferred Brand	$20.00	$40.00	$60.00
Tier 4Non-Preferred Drug	$40.00	$80.00	$120.00
Tier 5Specialty Tier	33%	Not listed	Not listed

Mail-order and other pharmacies

Out-of-network pricing: You pay the standard retail copay or coinsurance, plus any difference between the pharmacy’s billed charge and the amount the plan allows at a standard retail pharmacy.

Standard mail order costs

Standard mail order: initial-coverage cost per prescription fill
Drug tier	30 days	90 days
Tier 1Preferred Generic	Not listed	$0.00
Tier 2Generic	Not listed	$0.00
Tier 3Preferred Brand	Not listed	$40.00
Tier 4Non-Preferred Drug	Not listed	$80.00
Tier 5Specialty Tier	33%	Not listed

Long-term care pharmacy costs

Long-term care pharmacy: initial-coverage cost per prescription fill
Drug tier	31 days
Tier 1Preferred Generic	$0.00
Tier 2Generic	$0.00
Tier 3Preferred Brand	$20.00
Tier 4Non-Preferred Drug	$40.00
Tier 5Specialty Tier	33%

Out-of-network pharmacy costs

Out-of-network pharmacy: initial-coverage cost per prescription fill
Drug tier	30 days
Tier 1Preferred Generic	$0.00
Tier 2Generic	$0.00
Tier 3Preferred Brand	$20.00
Tier 4Non-Preferred Drug	$40.00
Tier 5Specialty Tier	33%

Drug coverage rules and exceptions

Tier 1: Preferred Generic

Drugs included in this tier: Part D Drugs Only
Longer fills available for every covered drug: No
Some longer-fill prescriptions require a one-month first fill: No

Tier 2: Generic

Drugs included in this tier: Both Part D and Excluded Drugs
Longer fills available for every covered drug: No
Some longer-fill prescriptions require a one-month first fill: No

Tier 3: Preferred Brand

Drugs included in this tier: Part D Drugs Only
Longer fills available for every covered drug: No
Some longer-fill prescriptions require a one-month first fill: Yes

Tier 4: Non-Preferred Drug

Drugs included in this tier: Part D Drugs Only
Longer fills available for every covered drug: No
Some longer-fill prescriptions require a one-month first fill: Yes

Tier 5: Specialty Tier

Drugs included in this tier: Part D Drugs Only

Special cost protections apply to covered insulin and recommended adult vaccines.

Where this plan is offered

CMS lists this plan in 1 state or territory. Availability can vary by county and ZIP code.

View all locations 78 county listings across 1 state or territory