2023 MCS Classicare Efectivo (HMO)
MCS Classicare Efectivo (HMO) H5577-005 is a 2023 Medicare Advantage Plan or Part-C by MCS Classicare available to residents in Puerto Rico. This plan includes additional prescription drug (Part-D) coverage. MCS Classicare MCS Classicare Efectivo (HMO) has a monthly premium of $0 and has an in-network maximum out-of-pocket limit of $3,400 (MOOP). This means that if you get sick or need a high-cost procedure the co-pays are capped once you pay $3,400 out-of-pocket. This can be an extremely nice safety net.
MCS Classicare works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for MCS Classicare Efectivo (HMO) you still retain Original Medicare. But you will get additional Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from MCS Classicare and not Original Medicare. With 2023 Medicare Advantage Plan you are always covered for urgently needed and emergency care. Plus, you receive all the benefits of Original Medicare from MCS Classicare except hospice care. Original Medicare still provides you with hospice care if you sign up for Medicare Advantage in Puerto Rico.
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2023 MCS Classicare Medicare Advantage Plan Overview
|Name:||MCS Classicare Efectivo (HMO)|
|Plan ID:||H5577 005 0|
|Combined Premium (C+D):||$0/mo|
|Part C Premium:||$0/mo|
|Part D (Drug) Premium:||$0/mo|
|Part D Supplemental Premium||$0/mo|
|Total Part D Premium:||$0/mo|
|Tiers with No Deductible:||0|
|Benchmark:||Not below the regional benchmark|
|Type of Medicare Health:||Enhanced Alternative|
|Drug Benefit Type:||Enhanced|
What type of plan is MCS Classicare Efectivo (HMO)
MCS Classicare Efectivo (HMO) is a Local HMO. With a health maintenance organization (HMO) you will be required to receive most of your health care from an in-network provider. Health maintenance organizations require that you select a primary care physician (PCP). Your primary care physician will serve as your personal doctor to provide all of your basic healthcare services. If you require specialized care or a physician specialist, your primary care physician will make the arrangements and inform you where you can go in the network. You will need your primary care physician approval, called a referral. Services received from an out-of-network provider are not typically covered.
How much does MCS Classicare Efectivo (HMO) cost?
A monthly premium is the fee you pay to the plan in exchange for coverage. MCS Classicare charges a $0 consolidated premium. The Part C premium is $0 this charge covers Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.
Part-D Deductible and Premium
An annual deductible is the amount you pay out-of-pocket for your prescription drugs before your plan begins to pay. MCS Classicare Efectivo (HMO) has a monthly drug premium of $0 and a $0 drug deductible. This MCS Classicare plan offers a $0 Part-D Basic Premium that is Not below the regional benchmark. This covers the basic prescription benefit only and does not cover enhanced drug benefits such as medical benefits or hospital benefits. The Part D Supplemental Premium is $0. This Premium covers any enhanced plan benefits offered by MCS Classicare above and beyond the standard PDP benefits. This can include additional coverage in the gap, lower co-payments, and coverage of non-Part D drugs. The Part D Total Premium is $0. The Part D Total Premium is the addition of supplemental and basic premiums for some plans this amount can be lowered due to negative basic or supplemental premiums.
MCS Classicare Gap Coverage
In 2023 once you and your plan provider have spent $4660 on covered drugs. (Combined amount plus your deductible) You will be in the coverage gap. (AKA "donut hole") You will be required to pay 25% for prescription drugs unless your plan offers additional coverage. This MCS Classicare plan does offer additional coverage through the gap.
The maximum out-of-pocket (MOOP) is a yearly limit on your out-of-pocket costs. MCS Classicare Efectivo (HMO) by MCS Classicare MOOP is $3,400. Once you spend $3,400 you will pay nothing for Part A or Part B covered services. Copayments and coinsurance for Medicare approved services apply toward your out-of-pocket limit. Remember Original Medicare (Parts A and B) doesn’t have a MOOP.
Formulary and Drug Coverage
MCS Classicare Efectivo (HMO) formulary is divided into tiers or levels of coverage based on usage and according to the medication costs. Each tier will have a defined copay that you must pay to receive the drug. Drugs in lower tiers will usually cost less than those in higher tiers. By reviewing different Medicare Drug formularies, you can pick a Medicare Advantage plan that covers your medications. Additionally, you can choose a plan that has your drugs listed at a lower price.
The complete MCS Classicare Efectivo (HMO) Formulary.
*Initial Coverage Phase and 30 day supply
Summary of Benefits*2021 data this will be updated with 2023 data when available.
The benefit information provided is a summary of what MCS Classicare Efectivo (HMO) covers and what you pay (such as copayments and coinsurance amounts) for certain common medical events. The Summary of Benefits from MCS Classicare helps get an idea of how much financial protection the plan is generally expected to provide for common health conditions. This section also contains information on coverage for in-network and out-of-network providers.
|Diagnostic services||$0 copay|
|Non-routine services||5% coinsurance|
|Prosthodontics, other oral/maxillofacial surgery, other services||5% coinsurance|
|Restorative services||5% coinsurance|
Diagnostic Tests and Procedures
|Diagnostic radiology services (e.g., MRI)||0-15% coinsurance|
|Diagnostic tests and procedures||0-15% coinsurance|
|Lab services||0-20% coinsurance|
|Outpatient x-rays||$0 copay|
|Specialist||$0-2 copay per visit|
Emergency care/Urgent Care
|Emergency||$40 copay per visit (always covered)|
|Urgent care||$0 copay|
Foot Care (podiatry services)
|Foot exams and treatment||$0-2 copay|
|Routine foot care||Not covered|
|Hearing aids||$0 copay|
|Hearing exam||$0 copay|
Inpatient Hospital Coverage
$0 copay per stay
$50 per stay
|Diabetes supplies||$0 copay|
|Durable medical equipment (e.g., wheelchairs, oxygen)||$0 copay|
|Prosthetics (e.g., braces, artificial limbs)||0-20% coinsurance per item|
Medicare Part B Drugs
|Other Part B drugs||0-10% coinsurance|
Mental Health Services
|Inpatient hospital - psychiatric||$0 copay|
|Outpatient group therapy visit||$0 copay|
|Outpatient group therapy visit with a psychiatrist||$0 copay|
|Outpatient individual therapy visit||$0 copay|
|Outpatient individual therapy visit with a psychiatrist||$0 copay|
Optional supplemental benefits
Outpatient Hospital Coverage
|Dental x-ray(s)||$0 copay|
|Fluoride treatment||$0 copay|
|Oral exam||$0 copay|
|Occupational therapy visit||$0 copay|
|Physical therapy and speech and language therapy visit||$0 copay|
Skilled Nursing Facility
|Contact lenses||$0 copay|
|Eyeglass frames||$0 copay|
|Eyeglass lenses||$0 copay|
|Eyeglasses (frames and lenses)||$0 copay|
|Routine eye exam||$0 copay|
Wellness Programs (e.g. fitness nursing hotline)
MCS Classicare Efectivo (HMO) Reviews
Is MCS Classicare Efectivo (HMO) a good plan? MCS Classicare Efectivo (HMO) received a 4 overall star rating from the CMS. The CMS uses a Star Rating System to measure how well Medicare Advantage and Part D plans perform. Plans are rated on a one-to-five scale, with one star representing poor performance and five stars representing excellent performance. Medicare Advantage with prescription drug (Part D) coverage (MA-PD) contracts are rated on up to 38 unique quality and performance measures. You can use the CMS star rating to compare MCS Classicare Efectivo Reviews among several different plans.
|2022 Overall Rating|
|Part C Summary Rating|
|Part-D Summary Rating|
|Staying Healthy: Screenings, Tests, Vaccines|
|Managing Chronic (Long Term) Conditions|
|Member Experience with Health Plan|
|Complaints and Changes in Plans Performance|
|Health Plan Customer Service|
|Drug Plan Customer Service|
|Complaints and Changes in the Drug Plan|
|Member Experience with the Drug Plan|
|Drug Safety and Accuracy of Drug Pricing|
Staying Healthy, Screening, Testing, & Vaccines
|Total Preventative Rating|
|Breast Cancer Screening|
|Colorectal Cancer Screening|
|Annual Flu Vaccine|
|Monitoring Physical Activity|
Managing Chronic And Long Term Care for Older Adults
|SNP Care Management|
|Diabetes Care - Eye Exam|
|Diabetes Care - Kidney Disease|
|Diabetes Care - Blood Sugar|
|Controlling Blood Pressure|
|Reducing Risk of Falling|
|Improving Bladder Control|
Member Experience with H5577-005 Health Plan
|Total Experience Rating|
|Getting Needed Care|
|Health Care Quality|
|Rating of Health Plan|
Member Complaints and Changes in Plans Performance
|Complaints about Health Plan|
|Members Leaving the Plan|
|Health Plan Quality Improvement|
Health Plan Customer Service Rating for MCS Classicare
|Total Customer Service Rating|
|Timely Decisions About Appeals|
|Reviewing Appeals Decisions|
|Call Center, TTY, Foreign Language|
Drug Plan Customer Service Ratings
|Call Center, TTY, Foreign Language|
Ratings For Member Complaints and Changes in the Drug Plans Performance
|Complaints about the Drug Plan|
|Members Choosing to Leave the Plan|
|Drug Plan Quality Improvement|
Member Experience with the Drug Plan
|Rating of Drug Plan|
|Getting Needed Prescription Drugs|
Drug Safety and Accuracy of Drug Pricing
|MPF Price Accuracy|
|Drug Adherence for Diabetes Medications|
|Drug Adherence for Hypertension (RAS antagonists)|
|Drug Adherence for Cholesterol (Statins)|
|MTM Program Completion Rate for CMR|
|Statin with Diabetes|
Ready to Enroll?
Mon-Sun 8am-11pm EST
(Click county or state to compare all available Advantage plans)
The availability of Medicare Advantage Plans will vary according to your region. This is why the Coverage Area matters in terms of Medicare eligibility. You will always be eligible for Original Medicare, but eligibility for MCS Classicare Efectivo (HMO) requires you to live in that plan’s service area. The service area is listed below:
Puerto Rico Medicare
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How much does MCS Classicare Efectivo (HMO) cost?
MCS Classicare charges a $0 consolidated monthly premium. A monthly premium is the fee you pay to the plan in exchange for coverage of Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.
How much is MCS Classicare Efectivo (HMO) MOOP?
The maximum out-of-pocket (MOOP) is a yearly limit on your out-of-pocket costs. MCS Classicare Efectivo (HMO) by MCS Classicare MOOP is $3,400. Once you spend $3,400 you will pay nothing for Part A or Part B covered services.
What type of plan is MCS Classicare Efectivo (HMO)?
MCS Classicare Efectivo (HMO) is a Local HMO. With a health maintenance organization you will be required to receive most of your health care from an in-network provider. HMOs require that you select a primary care physician (PCP).
Is MCS Classicare Efectivo (HMO) a good plan?
MCS Classicare Efectivo (HMO) received a 4 overall star rating from the CMS. The CMS uses a Star Rating System to measure how well plans perform. Plans are rated on a one-to-five scale, with one star representing poor performance and five stars representing excellent performance.
Source:CMS. Data as of Oct 1, 2022.
Last updated on
Notes: Data are subject to change as contracts are finalized. For 2023, enhanced alternative may offer additional cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part-D benefit.
Includes 2023 approved contracts. Employer sponsored 800 series and plans under sanction are excluded.