MMM Estela (HMO-POS) (2027)

Medicare Advantage plan with drug coverage from Medicare y Mucho Mas (MMM), plan ID H4003-059-001. Sold in 10 counties in Puerto Rico.

★★★★★4.5

2027 costs

Monthly premium$0
Drug deductible$0
Medical deductible$0
Out-of-pocket maximum (in network)$3,250
Plan typeMedicare Advantage plan with drug coverage, HMO-POS
Referral needed to see a specialistYes
Plan IDH4003-059-001

With a Medicare Advantage plan you also keep paying your Medicare Part B premium.

What this plan would cost for your prescriptions

Add your prescriptions to see this plan's estimated yearly cost for them, which of them are on its drug list, and how each compares with Cost Plus Drugs prices.

See this plan with my prescriptions

What you pay for medical care

Primary care visit$0
Specialist visit$0
Preventive care$0
Urgent care$0
Emergency room$75
Hospital stay$0
Outpatient surgery$25
X-rays and scans$0
Mental health visit$0
Physical therapy$0
Medical equipment$0
TelehealthCovered

In-network amounts. A range means it depends on the service or provider.

Extra benefits

DentalCovered — up to $2000/yr allowance
VisionCovered — up to $600/yr allowance
HearingCovered — up to $1250 every 3 yrs allowance
Over-the-counter itemsCovered
FitnessCovered
Rides to appointmentsCovered — 10 one-way trips/yr

Drug costs by tier

Tier30 days, standard pharmacy30 days, preferred pharmacy90 days by mail
1 Preferred Generic$0$0$0
2 Generic$0$0$0
3 Preferred Brand$0$0$0
4 Non-Preferred Drug$0$0$0
5 Specialty Tier33%33%N/A
6 Select Care Drugs$0$0$0

A percentage is coinsurance: your share of the drug's price. The drug deductible may apply first, depending on the tier. Your Part D out-of-pocket costs are capped at $2,400 for 2027.

Plan costs and benefits are from CMS's 2027 Medicare plan data (data as of October 27, 2026). Star ratings are CMS's 2027 Star Ratings. Every year, Medicare evaluates plans based on a 5-star rating system. Benefits, premiums and copays can change from year to year; check the plan's Evidence of Coverage, call the plan, or use Medicare.gov before you enroll.