2027 Medicare Advantage plan

Óptimo Plus (PPO): 2027 benefits and costs

Triple-S Advantage PPO

CMS plan ID: H4005-004-0 · Plan year: 2027

Óptimo Plus (PPO) is a 2027 Medicare Advantage plan offered by Triple-S Advantage. 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$7,151.00

Organization: Triple-S Advantage
Plan organization: TRIPLE S ADVANTAGE, INC.
Parent company: Guidewell Mutual Holding Corporation
Plan type: PPO
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)

You must continue to pay your Medicare Part B premium.

Annual medical deductible: None
In-network medical maximum: $7,151.00
Combined in/out-of-network medical maximum: $10,000.00
Out-of-network medical maximum: Not applicable

2027 benefit summary

Doctor visits and medical care

Common medical services and member costs
Service	In-network	Out-of-network	What to know
Primary care doctor	$0 Service-specific deductible No	50% coinsurance Deductible applies No
Specialist visit	$0.00 to $5.00 copay Service-specific deductible No	50% coinsurance Deductible applies No	Approval required Yes Referral required No
Telehealth	$0.00 to $5.00 copay Service-specific deductible No	Not summarized. Check coverage with the plan.	Approval required No Referral required No
Emergency care	$50.00 copay	Not summarized. Check coverage with the plan.
Urgent care	$0	Not summarized. Check coverage with the plan.
Home health	$0 Service-specific deductible No	50% coinsurance Deductible applies No	Approval required Yes Referral required No
Dialysis	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No	Approval required No Referral required No
Part B chemotherapy and radiation drugs	0% to 20% coinsurance Deductible applies No	50% coinsurance Deductible applies No	Approval required Yes
Other Part B drugs	0% to 20% coinsurance Deductible applies No	50% coinsurance Deductible applies No	Approval required Yes
Kidney disease education services	$0 Service-specific deductible No	50% coinsurance Deductible applies No	Approval required No Referral required No
Medicare-covered chiropractic	$0.00 to $5.00 copay Service-specific deductible No	50% coinsurance Deductible applies No	Approval required No Referral required No
Medicare-covered foot care	$0.00 to $5.00 copay Service-specific deductible No	50% coinsurance Deductible applies No	Approval required No Referral required No
Other health professionals	$0.00 to $5.00 copay Service-specific deductible No	50% coinsurance Deductible applies No	Approval required Yes 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	$0.00 copay per stay	Approval required Yes Referral required No Benefit period Per Admission or Per Stay
Inpatient hospital stayCost option 2	$50.00 copay per stay	Approval required Yes Referral required No Benefit period Per Admission or Per Stay
Inpatient mental health care	$25.00 copay per stay	Approval required No 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	Out-of-network	What to know
Outpatient hospital care	$35.00 copay Service-specific deductible No	50% coinsurance Deductible applies No
Hospital observation services	$35.00 copay Service-specific deductible No	50% coinsurance Deductible applies No
Ambulatory surgical center	$35.00 copay Service-specific deductible No	50% coinsurance Deductible applies No	Approval required Yes Referral required No
Outpatient blood	$0 Service-specific deductible No	50% coinsurance Deductible applies No	Approval required No Referral required No

Tests, imaging and laboratory services

Tests, imaging and laboratory services and member costs
Service	In-network	Out-of-network	What to know
Diagnostic procedures and tests	0% to 10% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No	Approval required Yes Referral required No
Laboratory services	0% to 10% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No	Approval required Yes Referral required No
Diagnostic radiology (CT, MRI)	$0.00 to $100.00 copay Service-specific deductible No	50% coinsurance Deductible applies No	Approval required Yes Referral required No
Therapeutic radiology	0% to 10% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No	Approval required Yes Referral required No
X-rays	0% to 10% coinsurance Service-specific deductible No	50% coinsurance Deductible applies 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	Out-of-network	What to know
Partial hospitalization	$0 Service-specific deductible No	50% coinsurance Deductible applies No	Approval required Yes Referral required No
Intensive outpatient program	$0 Service-specific deductible No	50% coinsurance Deductible applies No	Approval required Yes Referral required No
Substance use treatment, individual sessions	$0 Service-specific deductible No	50% coinsurance Deductible applies No	Approval required No Referral required No
Substance use treatment, group sessions	$0 Service-specific deductible No	50% coinsurance Deductible applies No	Approval required No Referral required No
Opioid treatment program	$0 Service-specific deductible No	50% coinsurance Deductible applies No	Approval required No Referral required No
Mental health, individual sessions	$0 Service-specific deductible No	50% coinsurance Deductible applies No	Approval required No Referral required No
Mental health, group sessions	$0 Service-specific deductible No	50% coinsurance Deductible applies No	Approval required No Referral required No
Psychiatry, individual sessions	$0 Service-specific deductible No	50% coinsurance Deductible applies No	Approval required No Referral required No
Psychiatry, group sessions	$0 Service-specific deductible No	50% coinsurance Deductible applies No	Approval required No Referral required No

Therapy and rehabilitation

Therapy and rehabilitation and member costs
Service	In-network	Out-of-network	What to know
Occupational therapy	$5.00 copay Service-specific deductible No	50% coinsurance Deductible applies No	Approval required Yes Referral required No
Physical and speech therapy	$5.00 copay Service-specific deductible No	50% coinsurance Deductible applies No	Approval required Yes Referral required No
Cardiac rehabilitation	$0 Service-specific deductible No	50% coinsurance Deductible applies No	Approval required Yes Referral required No
Intensive cardiac rehabilitation	$0 Service-specific deductible No	50% coinsurance Deductible applies No	Approval required Yes Referral required No
Pulmonary rehabilitation	$0 Service-specific deductible No	50% coinsurance Deductible applies No	Approval required Yes Referral required No
Supervised exercise for peripheral artery disease	$0 Service-specific deductible No	50% coinsurance Deductible applies No	Approval required Yes Referral required No

Ambulance, medical equipment and supplies

Ambulance, medical equipment and supplies and member costs
Service	In-network	Out-of-network	What to know
Ground ambulance	$0 Service-specific deductible No	20% coinsurance Deductible applies No	Approval required Yes
Air ambulance	$0 Service-specific deductible No	20% coinsurance Deductible applies No	Approval required Yes
Durable medical equipment	10% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No	Approval required Yes
Prosthetic devices	0% to 10% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No	Approval required Yes
Medical supplies	10% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No	Approval required Yes
Diabetic supplies	$0 Service-specific deductible No	50% coinsurance Deductible applies No	Approval required Yes
Diabetic shoes and inserts	$0 Service-specific deductible No	50% coinsurance Deductible applies No	Approval required Yes
Diabetic monitors	$0 Service-specific deductible No	50% coinsurance Deductible applies No	Approval required Yes

Dental benefits

Dental benefits and member costs
Service	In-network	Out-of-network
Medicare-covered dental	$0	50% coinsurance Deductible applies No
Oral examsAdditional plan benefit	$0	50% coinsurance Deductible applies No
Dental X-raysAdditional plan benefit	$0	50% coinsurance Deductible applies No
Other diagnostic dentalAdditional plan benefit	$0	50% coinsurance Deductible applies No
Dental cleaningAdditional plan benefit	$0	50% coinsurance Deductible applies No
FluorideAdditional plan benefit	$0	50% coinsurance Deductible applies No
Other preventive dentalAdditional plan benefit	$0	50% coinsurance Deductible applies No
Restorative dental careAdditional plan benefit	$0	50% coinsurance Deductible applies No
Root canal treatment (endodontics)Additional plan benefit	$0	50% coinsurance Deductible applies No
Gum treatment (periodontics)Additional plan benefit	$0	50% coinsurance Deductible applies No
Removable dentures (prosthodontics)Additional plan benefit	$0	50% coinsurance Deductible applies No
Fixed dental restorations (prosthodontics)Additional plan benefit	$0	50% coinsurance Deductible applies No
Oral surgeryAdditional plan benefit	$0	50% coinsurance Deductible applies No
Other dental servicesAdditional plan benefit	$0	50% coinsurance Deductible applies No

Additional network details

These costs apply to the listed service categories and networks.

Dental benefits: additional out-of-network or point-of-service benefits
Service	Network	Your share of the cost	What to know
Diagnostic and preventive dental (category)Additional plan benefit	Out-of-network	Confirm with the plan (copay); Confirm with the plan (coinsurance)	Dollar benefit limit applies No
Comprehensive dental (category)Additional plan benefit	Out-of-network	Confirm with the plan (copay); Confirm with the plan (coinsurance)	Dollar benefit limit applies No

Vision benefits

Vision benefits and member costs
Service	In-network	Out-of-network	What to know
Medicare-covered eye exams	$0 Service-specific deductible No	50% coinsurance Deductible applies No	Approval required No Referral required No
Routine eye examsAdditional plan benefit	$0	50% coinsurance Deductible applies No	Approval required No Referral required No
Medicare-covered eyewear	$0 Service-specific deductible No	50% coinsurance Deductible applies No	Approval required No Referral required No
Contact lensesAdditional plan benefit	$0	50% coinsurance Deductible applies No	Approval required No Referral required No
Eyeglasses, lenses and framesAdditional plan benefit	$0	50% coinsurance Deductible applies No	Approval required No Referral required No
Eyeglass lensesAdditional plan benefit	$0	50% coinsurance Deductible applies No	Approval required No Referral required No
Eyeglass framesAdditional plan benefit	$0	50% coinsurance Deductible applies No	Approval required No Referral required No

Additional network details

These costs apply to the listed service categories and networks.

Vision benefits: additional out-of-network or point-of-service benefits
Service	Network	Your share of the cost	What to know
Eye exams (category)Additional plan benefit	Out-of-network	Confirm with the plan (copay); Confirm with the plan (coinsurance)	Dollar benefit limit applies No
Other Eye Exam ServicesAdditional plan benefit	Out-of-network	50% coinsurance Deductible applies No
Eyewear (category)Additional plan benefit	Out-of-network	Confirm with the plan (copay); Confirm with the plan (coinsurance)	Dollar benefit limit applies No
UpgradesAdditional plan benefit	Out-of-network	50% coinsurance Deductible applies No

Hearing benefits

Hearing benefits and member costs
Service	In-network	Out-of-network	What to know
Medicare-covered hearing exams	$0 Service-specific deductible No	50% coinsurance Deductible applies No	Approval required No Referral required No
Routine hearing examsAdditional plan benefit	$0	50% coinsurance Deductible applies No	Approval required No Referral required No
Hearing aid fitting and evaluationAdditional plan benefit	$0	50% coinsurance Deductible applies No	Approval required No Referral required No
Prescription hearing aids (all types)Additional plan benefit	$0 Service-specific deductible No	50% coinsurance Deductible applies No	Approval required No Referral required No

Additional network details

These costs apply to the listed service categories and networks.

Hearing benefits: additional out-of-network or point-of-service benefits
Service	Network	Your share of the cost	What to know
Hearing exams (category)Additional plan benefit	Out-of-network	Confirm with the plan (copay); Confirm with the plan (coinsurance)	Dollar benefit limit applies No
Prescription hearing aids (category)Additional plan benefit	Out-of-network	Confirm with the plan (copay); Confirm with the plan (coinsurance)	Dollar benefit limit applies No

Extra benefits

Extra benefits and member costs
Service	In-network	Out-of-network	What to know
Supplemental acupunctureAdditional plan benefit	$5.00 copay Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required No Referral required No
Over-the-counter health itemsAdditional plan benefit	$0 Service-specific deductible No	$0 Deductible applies No Dollar benefit limit applies No
Fitness benefitAdditional plan benefit	$0 Service-specific deductible No	$0 Deductible applies No Dollar benefit limit applies Yes Benefit allowance $25.00 How often this limit applies Every month	Approval required No Referral required No

Additional services and network costs

Additional network details

These costs apply to the listed service categories and networks.

Additional medical services: additional out-of-network or point-of-service benefits
Service	Network	Your share of the cost	What to know
Chiropractic ServicesAdditional plan benefit	Out-of-network	Confirm with the plan (copay); Confirm with the plan (coinsurance)	Dollar benefit limit applies No
Routine Chiropractic CareAdditional plan benefit	Out-of-network	50% coinsurance Deductible applies No
Podiatry Services - Routine Foot CareAdditional plan benefit	Out-of-network	50% coinsurance Deductible applies No	Dollar benefit limit applies No
Medicare-covered preventive servicesMedicare-covered care	Out-of-network	$0 Deductible applies No
Health EducationAdditional plan benefit	Out-of-network	$0 Deductible applies No	Dollar benefit limit applies No
Nutritional/Dietary BenefitAdditional plan benefit	Out-of-network	$0 Deductible applies No	Dollar benefit limit applies No
Enhanced Disease ManagementAdditional plan benefit	Out-of-network	$0 Deductible applies No	Dollar benefit limit applies No
Remote Access Technologies (including Web/Phone-based technologies and Nursing Hotline)Additional plan benefit	Out-of-network	$0 Deductible applies No	Dollar benefit limit applies No
Counseling ServicesAdditional plan benefit	Out-of-network	$0 Deductible applies No	Dollar benefit limit applies No
Alternative TherapiesAdditional plan benefit	Out-of-network	50% coinsurance Deductible applies No	Dollar benefit limit applies No
Glaucoma ScreeningMedicare-covered care	Out-of-network	$0 Deductible applies No
Diabetes Self-Management TrainingMedicare-covered care	Out-of-network	50% coinsurance Deductible applies No
Digital Rectal ExamsMedicare-covered care	Out-of-network	$0 Deductible applies No
EKG after a Welcome to Medicare visitMedicare-covered care	Out-of-network	$0 Deductible applies No
Medicare Part B insulinMedicare-covered care	Out-of-network	50% coinsurance Deductible applies No

Allowances and optional benefits

Combined Supplemental Benefits 1

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

Services sharing this allowance: Acupuncture Treatments; Alternative Therapies
How benefits are provided: Claims Processing
Advance choice of benefits required: No
Shared limit on visits or trips: Yes
Indicate number of shared visits/trips: 12
How often this limit applies: Every year

Prescription drug coverage

Costs shown are for initial coverage.

Preferred retail costs

Preferred retail: initial-coverage cost per prescription fill
Drug tier	30 days	90 days
Tier 1Preferred Generic	$0.00	$0.00
Tier 2Generic	$0.00	$0.00
Tier 3Preferred Brand	$30.00	$60.00
Tier 4Non-Preferred Brand	$50.00	$100.00
Tier 5Specialty Tier	33%	33%
Tier 6Select Care Drugs	$0.00	$0.00

Standard retail costs

Standard retail: initial-coverage cost per prescription fill
Drug tier	30 days	90 days
Tier 1Preferred Generic	$8.00	$16.00
Tier 2Generic	$20.00	$40.00
Tier 3Preferred Brand	$45.00	$90.00
Tier 4Non-Preferred Brand	$75.00	$150.00
Tier 5Specialty Tier	33%	33%
Tier 6Select Care Drugs	$3.00	$6.00

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	90 days
Tier 1Preferred Generic	$0.00
Tier 2Generic	$0.00
Tier 3Preferred Brand	$60.00
Tier 4Non-Preferred Brand	$100.00
Tier 5Specialty Tier	33%
Tier 6Select Care Drugs	$0.00

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	$30.00
Tier 4Non-Preferred Brand	$50.00
Tier 5Specialty Tier	33%
Tier 6Select Care Drugs	$0.00

Out-of-network pharmacy costs

Out-of-network pharmacy: initial-coverage cost per prescription fill
Drug tier	30 days
Tier 1Preferred Generic	$8.00
Tier 2Generic	$20.00
Tier 3Preferred Brand	$45.00
Tier 4Non-Preferred Brand	$75.00
Tier 5Specialty Tier	33%
Tier 6Select Care Drugs	$3.00

Drug coverage rules and exceptions

Tier 1: Preferred Generic

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

Tier 3: Preferred Brand

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

Tier 4: Non-Preferred Brand

Drugs included in this tier: Part D Drugs Only
Longer fills available for every covered drug: Yes
Some longer-fill prescriptions require a one-month first fill: Yes

Tier 5: Specialty Tier

Drugs included in this tier: Part D Drugs Only
Longer fills available for every covered drug: Yes
Some longer-fill prescriptions require a one-month first fill: Yes

Tier 6: Select Care Drugs

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

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