With 35 years’ experience, MCS has stood out for offering
innovative products based on a service delivery model that takes all aspects of human
health into consideration. Its unwavering commitment to its members’ health has turned
it into one of today’s strongest companies, leading the industry with a revolutionary business
philosophy that redefines health services in Puerto Rico.





MCS Healthcare Holdings, LLC. serves its members through its three lines of business:
MCS Life Insurance Co.

Offers a wide variety of individual and group health and life insurance.

MCS Advantage, Inc.

Through its MCS Classicare product, offers a wide variety of Medicare Advantage plans under a contract with the Centers for Medicare and Medicaid Services (CMS).


New Insurance Agency that offer alternatives in cancer insurance, life, final expenses and individual health coverage, among others.






           MCS growth has been achieved, precisely, because the company is constantly looking to optimize all
           of its operational areas in order to provide its constituents with excellent service on a daily basis.

          The Company is aware of the important role it performs as an agent of development in society. Not only
          as a contributor to the country’s economy or a provider of employment and health services, but as an entity
          that can make a difference in the lives of those people who live in the nearby communities. It is, therefore,
          that MCS keeps undertaking community engagement initiatives, with the satisfaction of having contributed
          to improving the quality of life of thousands of Puerto Ricans for the past 30 years.

          MCS currently provides a wide array of products and services focused on promoting healthy life styles that
          lead to the physical and emotional wellbeing of its more than 320,000 members. The company has over
          1,500 active employees in its locations throughout Puerto Rico.


Main Company Attributes

  • A broad network of providers comprised of over 12,000 physicians, over 60,000 pharmacies in Puerto Rico and the U.S., dentists, laboratories and hospitals, among others.
  • Team of trained clinical professionals and experts, to effectively address the needs of our clients. Our staff’s expertise provides the experience and ability to help companies reduce unnecessary costs and establish competitive healthcare rates, while still providing the best health care in Puerto Rico.
  • Fast, dynamic, and cost-effective services, that facilitate processes and, at the same time, allow maximizing the time invested in the company operations.
  • Innovative Wellbeing Programs that promote a healthy lifestyle and help our insured members stay positive, active, and productive.
  • Traveler’s Assistance Services Program, valid anywhere in the world for MCS members traveling on business or leisure. With just one phone call, MCS members can get a hold of a team of experienced critical care personnel and certified physicians available 24 hours a day, 365 days a year, at no additional cost.



To be the leader of the healthcare industry in Puerto Rico. 



Provide genuine care to achieve a fuller life.


Corporate Culture

At MCS we aim at achieving our three corporate goals through our ACT corporate culture, which is governed by our three values:

  • Accountability: We are committed to meeting our obligations and we take responsibility for the results.
  • Compliance: All our actions and decisions are driven by the highest ethical standards and in compliance with applicable laws and regulations.
  • Trust: We create lasting relationships with our insured members, employees, business partners and the community by fulfilling our commitments and goals. 

Regulatory Agencies

MCS maintains compliance with the agencies in charge of regulating the healthcare industry. Among these are:

  • The Office of the Commissioner of Insurance (OCI)
  • The Medicare and Medicaid Service Centers (CMS)
  • The Health Insurance Administration (ASES, in Spanish)
  • The National Association of Insurance Commissioners (NAIC)
  • Health Ombudsman Office
  • MCS also complies with the Final Rule for National Standards for electronic transactions (including Electronic Data Interchange Transaction and National Code Set Standards for claims processing) of the HIPAA Act (Health Insurance Portability and Accountability Act) of 1996.


Market Share

Our company stands out in the local health care industry for:
  • Personal Client Service
  • Flexibility in our coverage designs and services access model.
  • Quality and efficency in clincical care

We are the best option for your health care services needs.


Our clients and business partners

MCS insures thousands of people in the service, distribution, manufacturing and finance industries.

The company has a broad network of providers comprised of over 12,000 physicians, dentists, laboratories and hospitals, among others. It also provides access to a broad network of over 1,000 pharmacies in Puerto Rico and over 60,000 in the United States.
MCS maintains strong business relationships with the various insurance brokerage firms in Puerto Rico and has about 450 active independent agents island-wide.


Service Access Models


Open Network
Access to health services through a PPO (Preferred Provider Organization). This model is comprised of an extensive network of hospitals, physicians and other healthcare providers. You may freely access the services of physicians, general practitioners, specialists and subspecialists within this extensive network.
Coordinated Care
This model provides access to healthcare services through an extensive network of participating physicians in personal care specializations such as: Family Medicine, General Medicine, Internal Medicine, Obstetrics, Gynecology and Pediatrics. These physicians, in turn, coordinate the clinical care required with the various specialists and sub specialists contracted by MCS.


30 Year History

In 1983, Medical Card System, Inc. (MCS) was founded as an Administrative Services Only (ASO) by three partners in response to the rising health care costs that prevailed at the time. With the birth of MCS, for the first time in Puerto Rico, there was an alternative that offered a network of providers to multinational insurance companies that, back then, had business locally, but did not have enough volume to develop their own provider networks.


During that first year of operations, through pre-negotiation of rates with providers, MCS was able to build a large network of hospitals, laboratories, and physicians that revolutionized the industry. This was possible by negotiating acceptable rates, where the provider was refunded for their medical services and the employer paid a reasonable cost for such services. Thus, MCS became the first Preferred Provider Organization (PPO) in Puerto Rico.


In 1984, the year after its founding, MCS got its first client: the multinational insurance company Transamerica Occidental Life Insurance. The first MCS clients were multinational insurance companies whose customers in Puerto Rico were mostly pharmaceutical and manufacturing companies. Soon enough, other insurance companies such as The Travelers, Equitable Life Insurance, Confederation Life, Connecticut General Life, Pilot Life Insurance, John Hancock Mutual Life, Aetna Life Insurance and Island Health Care were added to the MCS client portfolio.


In 1985, nine insurance companies were using the MCS provider network, which by the time already had 3,419 providers and offered services to 70,000 users. Thus, MCS was quickly able to position itself as a medical services administrator representing a cost efficient alternative for all parties involved: the insurance companies, providers, employers, and beneficiaries.


In 1987, 100% of MCS shares were acquired by the Baxter pharmaceutical company. That’s when, for the first time, the company branched out to the U.S. mainland to enter the Florida market. This was done to support Baxter’s operations in that state, and the task was delegated to founding partner Felipe Benedit.

In the late 80s', MCS began serving a number of self-insured employers that required more services in addition to renting the network. To address those needs, MCS developed a Third-Party Administration capability with the most modern claims management system, including auditing tools. It also incorporated various coordinated care functions and programming tools, such as pre-certification of admissions and procedures, case management and medical profile.




In 1993, the Baxter division that offered health services at home, Caremark, spun off from Baxter and introduced itself in the Puerto Rican market. This led to MCS’s parting away from Baxter to become part of Caremark's operations on the Island for the following four years. The operation in Florida was sold.
That same year, after having accrued the experience and ability needed to plunge into the healthcare services-providing arena, MCS began the process of issuing the life and disability insurance license with the Office of the Insurance Commissioner.
In 1995, Now with 150 employees, MCS obtained the license from the Office of the Insurance Commissioner, under the MCS Life Insurance Company subsidiary, to offer life and disability insurance. This license also allowed for selling health insurance.
In 1997, a new acquisition ended the relationship of MCS with Caremark, when the latter merged with Med Partners. As a result, MCS operations became part of Med Partners. However, just about six months later, Med Partners decided to sell all its non-medical operations, MCS included.
In 1998, MCS original founders decided to jump into the opportunity to re-acquire the company. Other external stakeholders, including local investment firm Advent-Morro, were also part of the transaction. From that moment on, the company became locally-owned once again.
In 1999, MCS reached $40 million in revenue, was insuring 125,000 members and positioned itself among the top five insurance companies in the country.


In 2000, a company reorganization took place in order to enter the Government of Puerto Rico Health Reform’s market. Thus, the MCS-HMO subsidiary was created. The first two healthcare reform regions under MCS administration were: San Juan and the West Coast.
On that same year, MCS was already serving almost a thousand private companies. In the commercial segment, the company was already strongly positioned in the top sub-segments: individual plans, small groups, large groups, including "fully insured" and Administrative Services (ASO).


In 2001, with 500 employees, MCS went beyond a traditional medical plan by incorporating to its product portfolio a program that integrates mental health, complementary and alternative medicine, along with a variety of other services and added value with great impact for the individual and commercial market.

On that same year it began offering its MCS Personal product, a broad hospital and outpatient services coverage for students or self-employed people.
In 2004, MCS contracted with the Centers for Medicare and Medicaid Services (CMS). With the creation of the Medicare Advantage, Inc. subsidiary, the company began to market its Classicare product during the annual enrollment period that began at the time in October 2004. That year the company already had 600 employees.
In November of that same year, 67% of the Medical Card System, Inc. shares, parent company of the MCS group of companies, were acquired by JLL Partners San Juan, a prestigious investment firm headquartered in New York.
In 2005, as of January 1, became effective the authority granted by CMS to market Medicare Advantage products. In addition, MCS also obtained the Office of Public Insurance’s approval to enter the ELA market.
In 2008, a few years after breaking into the Medicare Advantage market, MCS extended its Medicare Advantage program to its offer to employers, achieving millions in savings by maximizing the federal program for retirees. Swiftly enough MCS became a market leader, consistently serving over 100,000 members every year.
In 2011, the MCS commercial business grew by over 30% with over $240 million in annualized premiums. This same year, Jim O'Drobinak joined MCS as CEO and José Durán, one of the founding partners and executive vice president, was appointed president of MCS Life Insurance Co.
In 2012, MCS launched its new Group Life product, Dr. David Scanavino was appointed President of MCS Advantage, Inc., the MCS Advantage program added two new products to the regular Medicare Advantage program and one to the Platinum program, and the MCS Advantage program obtained a three-star rating.
In 2013, MCS currently insures over 320,000 members with consolidated estimated revenues of well over $1 billion a year.
Looking into the future, the company's strategy is based on the continued expansion of its Commercial and Medicare lines of business. To embark on this task, it has the support of a talented team comprised of 1,500 professionals.  

Board of Directors



About our Investors 

JLL Partners:

  • Founded in 1988, JLL Partners is one of the leading private investment firms in the United States. Since its inception, the firm has managed a number of private capital funds totaling approximately $4 billion in committed capital. JLL seeks to make control investments in middle market companies, removing them from difficult financial situations, or working closely with exceptional leaders in order to strengthen the company.


Advent Morro:

  • Founded in 1989, Advent Morro Equity Partners (AMEP) is the leading private capital investment company in Puerto Rico, with over $120 million in capital under its management. Advent-Morro has invested in over 50 companies located mostly in Puerto Rico and the U.S. mainland. These companies combined generate over $3,500 million in annual sales and employ over 3,000 people.


Unicare National Services, Inc.

  • UniCare is a separately incorporated and capitalized subsidiary of WellPoint, one of the largest health benefits companies in the United States. Through its networks nationwide, WellPoint delivers a number of leading health benefit solutions through a broad portfolio of integrated health care plans and related services, along with a wide range of specialty products such as life and disability insurance benefits, dental, vision, behavioral health benefit services, as well as long term care insurance and flexible spending accounts. The company serves over 30 million members in its affiliated health plans.



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