Top Medicare Advantage Plans in Puerto Rico

Choosing the best Medicare Advantage plan in Puerto Rico for 2026 is crucial for securing comprehensive benefits, low out-of-pocket costs, and access to trusted healthcare providers. The market is undergoing changes — including Humana’s exit from Puerto Rico in 2026 — making it vital to focus on carriers with proven service quality and stability. Based on coverage, reputation, and confirmed 2026 availability, these are the top 5 Medicare Advantage plans in Puerto Rico.

1.

MCS Classicare

– Puerto Rico’s Top-Rated Medicare Advantage Plan

MCS Classicare continues to lead the Puerto Rico Medicare Advantage market thanks to its 5-Star CMS rating, the highest possible score for quality and customer satisfaction. This rating reflects exceptional performance in preventive care, chronic condition management, and member experience. For 2026, MCS offers multiple HMO and SNP “Platino” plans, many with $0 premiums, dental coverage, vision benefits, hearing aids, and prescription drugs. Beneficiaries also enjoy perks like fitness memberships and over-the-counter allowances. Its strong provider network spans across the island, making MCS a go-to choice for Medicare enrollees in Puerto Rico.

2.

Triple-S Advantage

– Wide Network and Local Expertise

Triple-S Advantage, affiliated with Blue Cross Blue Shield, is Puerto Rico’s largest managed-care provider and has decades of experience serving local Medicare members. In 2026, Triple-S Advantage will continue offering HMO, PPO, and SNP plans, many with $0 monthly premiums and competitive co-pays. Members gain access to an extensive provider network, telemedicine services, and value-added benefits like dental care, vision exams, glasses, transportation, and wellness programs. The carrier’s Blue Cross Blue Shield affiliation adds trust and brand recognition, making it one of the most reliable Medicare Advantage options in Puerto Rico.

3.

MMM Healthcare

– Medicare y Mucho Más

MMM Healthcare, or Medicare y Mucho Más, is another leading Medicare Advantage carrier in Puerto Rico. Known for its Elite HMO and Platino plans, MMM specializes in serving both the general Medicare population and dual-eligible beneficiaries who qualify for both Medicare and Medicaid. For 2026, MMM plans include comprehensive dental coverage, vision, hearing, prescription drugs, and supplemental benefits like grocery cards, fuel stipends, and home delivery for medications. With a strong focus on preventive care and chronic disease management, MMM maintains high member satisfaction ratings across the island.

4.

First Medical Health Plan

– Strong Islandwide Presence

First Medical Health Plan has been providing healthcare coverage in Puerto Rico for decades and offers a range of Medicare Advantage plans tailored to retirees’ needs. For 2026, First Medical’s Medicare Advantage offerings feature $0 premium HMO plans with access to primary care, specialists, diagnostics, and hospital services throughout Puerto Rico. Many plans also include prescription drug coverage, dental care, vision exams, and hearing aid benefits. First Medical’s customer service reputation and long-standing relationships with local hospitals and clinics make it a dependable option for seniors seeking quality Medicare Advantage coverage in Puerto Rico.

5.

Plan de Salud Menonita

– Strategic Regional Coverage with Rural Hospitals

Plan de Salud Menonita is a faith-based, non-profit healthcare organization known for its personalized care and strategic presence in hard-to-reach areas of Puerto Rico. Its network is particularly strong in central and rural municipalities where other major carriers have limited coverage.

One of Menonita’s key strengths is that it owns and operates hospitals in regions with fewer medical facilities, such as Caguas, Cayey, Aibonito, and Guayama. This means Medicare Advantage members in these areas have direct, in-network access to inpatient care, emergency services, and specialty clinics without needing to travel long distances.

In addition to hospital access, Menonita’s 2026 Medicare Advantage plans will include $0 premiums, robust preventive care, dental and vision coverage, and prescription drug benefits. For seniors living outside of major metropolitan hubs, this combination of localized healthcare infrastructure and comprehensive benefits makes Menonita a uniquely valuable choice.

How to Choose the Best Medicare Advantage Plan in Puerto Rico for 2026

Selecting a Medicare Advantage plan in Puerto Rico for 2026 should be based on factors beyond just the monthly premium. Key considerations include:

• Provider network size – Ensure your preferred doctors and hospitals are in-network.

• Supplemental benefits – Look for extras like dental, vision, hearing, and over-the-counter allowances.

• Prescription drug coverage – Check the plan’s formulary to make sure your medications are covered affordably.

• Star ratings – Higher CMS ratings indicate better quality and member satisfaction.

• Out-of-pocket maximums – These protect you from high medical costs in a given year.

The Bottom Line

With Humana exiting the market in 2026, Puerto Rican beneficiaries will rely heavily on local and well-established carriers. MCS, Triple-S Advantage, MMM Healthcare, First Medical, and Plan de Salud Menonita are the standout choices for best Medicare Advantage plans in Puerto Rico. Each offers competitive benefits, wide-ranging coverage, and a strong reputation for service quality.

If you’re preparing for the Medicare Annual Enrollment Period beginning October 15, 2025, now is the time to compare these options carefully. By reviewing benefits, provider networks, and costs, you can select a 2026 plan that meets both your health needs and your budget.