2027 Medicare Advantage plan

MCS Classicare Platino Maximo (HMO D-SNP): 2027 benefits and costs

MCS Classicare HMO D-SNP Special Needs Plan

CMS plan ID: H5577-054-1 · Plan year: 2027

MCS Classicare Platino Maximo (HMO D-SNP) 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$700.00

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

Costs shown are before Medicaid or Extra Help; your costs depend on your eligibility and assistance.

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

Standard monthly Medicare Part B premium: $209.50 (estimated)
Monthly Part B premium after plan reduction: $114.50 (estimated)$209.50 standard premium less $95.00 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: $95.00

Who can join this Special Needs Plan?

This plan is for people who qualify for both Medicare and Medicaid. The plan must confirm the required Medicaid eligibility level. Your costs can depend on your assistance level.

Plan eligibility type: Dual-Eligible

2027 benefit summary

Doctor visits and medical care

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

Hospital, outpatient surgery and observation care

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 Yes
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 Service-specific deductible No	Approval required Yes Referral required Yes
Laboratory services	$0 Service-specific deductible No	Approval required Yes Referral required Yes
Diagnostic radiology (CT, MRI)	$0 Service-specific deductible No	Approval required Yes Referral required Yes
Therapeutic radiology	$0 Service-specific deductible No	Approval required Yes Referral required Yes
X-rays	$0 Service-specific deductible No	Approval required Yes Referral required Yes

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 Service-specific deductible No	Approval required Yes
Medical supplies	$0 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
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 Yes

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
Over-the-counter health itemsAdditional plan benefit	$0 Service-specific deductible No
Fitness benefitAdditional plan benefit	$0 Service-specific deductible No	Approval required No Referral required No

Allowances and optional benefits

Combined Eyewear and Hearing

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

Services sharing this allowance: Contact Lenses; Eyeglasses (lenses and frames); Eyeglass lenses; Eyeglass frames; Prescription Hearing Aids (all types)
How benefits are provided: Claims Processing
Advance choice of benefits required: No
Shared benefit limit: $500.00
How often this limit applies: Every year
Shared limit on visits or trips: No

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: 18
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

Combined SSBCI Card/OTC

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

Full allowance details are not summarized here.

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: Food and produce; Pest control; Transportation for non-medical needs; Indoor Air Quality Equipment and Services; Social support benefit; Services Supporting Self-Direction; Support for daily living; Other 2 Non-Primarily Health Related Benefit; Other 3 Non-Primarily Health Related Benefit; Other 4 Non-Primarily Health Related Benefit; Fitness Benefit; Alternative Therapies
Some package benefits are exempt from the deductible: No
Package limit: $0.00
How often this limit applies: Every month
How benefits are provided: Debit Card
Services sharing the package limit: Food and produce; Pest control; Transportation for non-medical needs; Indoor Air Quality Equipment and Services; Social support benefit; Services Supporting Self-Direction; Support for daily living; Other 2 Non-Primarily Health Related Benefit; Other 3 Non-Primarily Health Related Benefit; Fitness Benefit; Alternative Therapies

Prescription drug coverage

Costs shown are for initial coverage.

This plan uses a non-tiered standard drug benefit; individual drug prices are not listed here.

Available prescription supply lengths, not price quotes
Pharmacy	Supply
Standard retail	30 days
Standard retail	60 days
Standard retail	90 days
Standard mail order	30 days
Standard mail order	90 days
Out-of-network pharmacy	30 days
Long-term care pharmacy	31 days

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 17 county listings across 1 state or territory