MCS Classicare Essential (HMO-POS) H5577-008

MCS Classicare Essential (HMO-POS) (HMOPOS) is a Medicare Advantage plan that the current plan record identifies as including Part D prescription drug coverage. The plan record also identifies Part D prescription drug coverage. Its published drug benefit lists 5 formulary tiers. Published supplemental benefits include vision ($1,100/yr eyewear allowance), hearing ($750/yr hearing aid allowance), over-the-counter (OTC) ($47/month OTC allowance), and transportation (34 one-way trips/year). Review the plan documents for covered services, limits, and rules. Coverage can change each plan year.

The published 2026 monthly plan premium for MCS Classicare Essential (HMO-POS) (HMOPOS) is $0. The standard Part B premium is $202.90/month in 2026 for most people; assistance may pay it for some members. The listed Part D deductible is $0. The in-network medical out-of-pocket maximum is $3,400; it does not include Part D drug spending. Published visit costs include primary care $0 and specialist visits $0. These figures are plan data, not a personal yearly-cost estimate.

CMS lists MCS Classicare Essential (HMO-POS) (HMOPOS) as a HMOPOS plan. The record also identifies point-of-service flexibility, but exact out-of-network rules can vary. A network label alone does not confirm that a specific doctor participates. Use the doctor lookup tool, then confirm with the doctor's office and the plan before receiving care. Provider networks and member costs can change. Emergency care and travel coverage can follow different network rules.

MCS Classicare Essential (HMO-POS) (HMOPOS) has 5 published formulary tiers in the current plan record. Published preferred-pharmacy 30-day retail costs include Tier 1 at $0, Tier 2 at $0, Tier 3 at $0, Tier 4 at $0, and Tier 5 at 33%. The listed Part D deductible is $0. A tier listing does not confirm that a specific prescription is covered. Check each medication against the plan's current formulary, restrictions, pharmacy network, and costs before enrolling.

The current plan record for MCS Classicare Essential (HMO-POS) (HMOPOS) lists vision ($1,100/yr eyewear allowance) and hearing ($750/yr hearing aid allowance). It also lists over-the-counter (OTC) ($47/month OTC allowance). The current data does not list dental as offered benefits. Benefit allowances, frequency, eligibility, and participating providers can have additional limits, so review the Summary of Benefits or Evidence of Coverage for the complete rules.

MCS Classicare Essential (HMO-POS) (HMOPOS) is a 2026 Medicare Advantage plan. The Annual Enrollment Period runs from October 15 through December 7, with changes taking effect January 1. The Medicare Advantage Open Enrollment Period runs from January 1 through March 31 for people already enrolled in Medicare Advantage. A qualifying circumstance may create a Special Enrollment Period outside those dates. Confirm the enrollment window and effective date that apply to you before changing coverage.