With 40 years of 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 MCS into one of today’s strongest companies,
leading the industry with a revolutionary business philosophy that redefines health services in Puerto Rico.
As part of our recent achievements in the delivery of services and care, MCS Classicare obtained the highest
score in the CAHPS survey for Health Plan and Drug Plan metrics in the United States and Puerto Rico, over
500 Medicare Advantage programs throughout the United States. For 2026, MCS Classicare became the only
Medicare Advantage plan to achieve a 5 out of 5 star rating for three consecutive years, the highest score
for quality of care awarded by the Centers for Medicare and Medicaid Services. It also became, for the
second consecutive year, the plan with the largest membership in the United States to achieve this rating.
MCS Healthcare Holdings, LLC Serves Clients in Puerto Rico Through its Three
Lines of Business:
MCS Life Insurance Company
Offers a wide variety of individual and group health and life insurance.
Physical Address:
MCS Plaza
Ponce de León Avenue 255
San Juan, PR
00917
Mailing Address:
P.O. Box 9023547
San Juan, PR 00902-3547
Employer Identification Number:
66-0520918
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).
Physical Address:
MCS Plaza
Ponce de León Avenue 255
San Juan, PR 00917
Mailing Address:
P.O. Box 191720
San Juan, PR 00919-1720
Employer Identification Number:
66-0642758
MCS General Insurance Agency, Inc.
New Insurance Agency that offer alternatives in cancer insurance, life, final expenses and individual
health coverage, among others.
Physical Address:
MCS Plaza
Ponce de León Avenue 255
San Juan,
PR 00917
Mailing Address:
P.O. Box 9024200
San Juan, PR 00902-4200
Employer Identification Number:
66-0845895
MCS's growth has been achieved precisely because the company constantly seeks to optimize all its
operational areas in order to provide excellent service to all its constituents, through its more than
2,500 committed employees across all its offices in Puerto Rico.
MCS is aware of the important role it plays as an agent of development in society. Not only because of
its contribution to Puerto Rico's economy and as a provider of employment and health services, but also
as an entity that can make a difference in the lives of the people who live in the communities it
serves.
MCS continues to exercise its corporate social responsibility today with the satisfaction of having
contributed to improving the quality of life of thousands of Puerto Ricans throughout its more than 40
years of existence.
MCS offers a wide range of products and services focused on promoting healthy lifestyles that lead to
the physical and emotional well-being of its more than 625,000 members and insureds.
Brand Manifesto
These are the times to live. Live more. Live better. Living to the fullest starts when you take care
of yourself and your loved ones, and when you have a reliable hand to help you achieve your goals.
MCS wants to be your trusted partner on this journey: offering you first-class services to help you
achieve your health goals; innovative products that go beyond healthcare; and a friendly, courteous,
and honest approach to service that is hard to match.
At MCS, we laugh, dream, share, and enjoy life, just like you. That's why we want to be that
companion who cares for you with affection on this great adventure called life. That's why...
WHERE THERE IS LOVE THERE IS HEALTH.
VALUE PROPOSITION
-
A broad network of providers comprising more than 15,000 physicians, more than 40,000
commercial pharmacies, and over 50,000 Medicare pharmacies in Puerto Rico and the United States, as
well as dentists, laboratories, and hospitals, among others.
-
A team of professionals and clinical experts trained to effectively meet the needs of our
members and insureds. We have experts from various professional sectors whose expertise and
experience enable us to help companies eliminate unnecessary costs and establish competitive health
rates.
-
Fast, dynamic, and cost-effective services. We build trust and lasting relationships with
our insureds, employees, business partners, and the community at large by fulfilling our commitments
and goals to facilitate processes while maximizing the time invested in the company's functions.
-
Innovative wellness programs that promote a healthy lifestyle and help our members and
insureds stay positive, active, and productive.
-
Travel Assistance Services Program valid anywhere in the world for MCS Life insureds
traveling for business or leisure. With a single call, this service provides access (at no
additional cost) to critical care experts and certified physicians available 24 hours a day, every
day of the year.
Mission
Provide genuine care to achieve a fuller life.
Vision
To be the leader of the healthcare industry in Puerto Rico.
Corporate Culture
We aim at achieving our corporate goals through our ACT corporate culture, which is governed by our
three values:
We are committed to meeting our obligations and we take responsibility for the results.
All our actions and decisions are driven by the highest ethical standards and in compliance
with applicable laws and regulations applicable to the industry.
We create long lasting relationships of trust 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, by its Spanish acronym).
- The National Association of Insurance Commissioners (NAIC).
- Office of the Patient Advocate (OPP, by its Spanish acronym).
- 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:
- Personalized Client Service.
- Flexibility in our coverage designs and services access model.
- Quality and efficiency in clinical care.
As of
November 2025
our client portfolio includes:
MCS Classicare
|
336,570
|
MCS Life
|
261,916
|
Individual
|
28,033
|
Total
|
626,519
|
Good Service Is Our Priority
Our purpose is to attend to service requests as soon as possible, by offering:
- Accessibility to communicate with our service representatives.
- Fast service when it comes to meeting your needs and resolving them right away.
- Accuracy and the ability to provide precise information.
- Human factor: courtesy, empathy, diligence, ability to listen and resolve situations in the
shortest time possible.
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,
among others.
The company has a broad network of providers comprising more than 15,000 doctors, dentists,
laboratories, and hospitals, among others. In addition, it provides access to a wide network of more
than 40,000 commercial pharmacies and over 50,000 Medicare pharmacies in Puerto Rico and the United
States.
MCS maintains strong business relationships with various insurance brokerage firms in Puerto Rico and
has independent agents active throughout the island.
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.
1983
Medical Card System, Inc. (MCS) is born, thanks to the visionary efforts of the three founding
partners: Felipe Benedit, José Durán-Ferrer and José Guillermo Meléndez.
1984
MCS obtains its first client: multinational insurer Transamerica Occidental Life Insurance. Others
are rapidly added to MCS’s client portfolio.
1985
Nine (9) insurance companies are using MCS’s provider network, which by this date already had 3,419
providers and served 70,000 users.
1987
100% of MCS’s shares are acquired by Baxter Pharmaceutical. MCS opens offices in Florida to support
Baxter’s operations in this state.
1993
MCS celebrates its 10th anniversary. The Baxter division, which was offering Caremark services,
breaks away from the pharmaceutical. MCS separates from Baxter and becomes part of Caremark. MCS
concentrates its operations in Puerto Rico.
1995
Already with 150 employees, and under the subsidiary MCS Life Insurance Company, MCS obtains its
license from the Insurance Commissioner’s Office to provide life, health and disability insurance.
1997
A new acquisition puts an end to MCS’s relationship with Caremark when the latter merges with Med
Partners. Six months later, Med Partners decides to sell MCS.
1998
The original founding partners decide to reacquire the business, together with other external
shareholders.
1999
MCS reaches $40 million in earnings, insures 125,000 members, and ranks among the island’s top five
most important insurance companies.
2000
The company begins to reorganize, in order to enter the Puerto Rico government’s Health Reform
program, and creates the MCS-HMO subsidiary. MCS is already serving close to 1,000 private companies
and is strongly positioned in the commercial segment.
2001
With 500 employees, MCS transcends traditional medical plans by incorporating its Wellness Program
offerings, which integrate mental health, complementary and alternative medicine. It also begins
offering the MCS Personal product.
2003
MCS celebrates its 20th anniversary.
2004
67% of the shares of Medical Card System, Inc., the parent company of the CS group of companies, are
acquired by JLL Partners, a prestigious investment firm based in New York.
2005
As of January 1, the authorization granted by the CMS to market Medicare Advantage (Classicare)
products becomes effective. MCS also receives approval from the Public Insurance Office to
participate in the ELA market.
2011
MCS’s commercial business grows by more than 30%, with more than $240 million in annualized premiums.
Jim O’Drobinak becomes the CEO of MCS. MCS also withdraws from the Puerto Rico Health Reform
program.
2012
MCS launches its Group Life product. The MCS Advantage program receives a rating of three (3) out of
5 Stars.
2013
MCS celebrates its 30th anniversary.
2016
MCS creates a new subsidiary, MCS General Insurance Agency (GIA), to enter the life and disability
product market. MCS Classicare reaches a rating of 4 out of 5 stars.
2018
MCS celebrates 35 years in Puerto Rico.
2019
MCS creates the MCS Classicare Te Paga card for its eligible members and integrates other innovative
special supplemental benefits into its coverage to address the social determinants of health.
2021
The MCS Classicare Te Paga card continues to evolve, now with cash withdrawal and accepted in all
merchants where they accept ATH. Additionally, MCS earns a rating of 4.5 out of 5 stars for 2022.
By December 2021, 100% of the shares of Medical
Card System, Inc., are acquired by Kinderhook Industries, a private investment firm based in New
York.
2023
MCS Classicare receives its first 5-star rating from the Centers for Medicare & Medicaid Services
(CMS) for 2024. It also achieves the highest numerical score in the CAHPS survey for health plan
rating and drug plan rating measures for all MA contracts within the United States and Puerto Rico.
The MA plan announces that it received a score of 95% on both measures, once again demonstrating the
quality of its health plan.
MCS celebrates 40 years of history and purposeful service. This is a momentous occasion to
reflect on the transformative journey and unwavering commitment to offering quality services and
genuine care to insureds, members, and the community of Puerto Rico.
2024
MCS Classicare receives a 5 out of 5 star rating from CMS for the second year, one of only nine
plans to achieve this rating for 2025 among 521 Medicare Advantage plans evaluated in the United
States. It also becomes the plan with the largest membership to achieve this milestone.
2025
MCS Classicare becomes the only Medicare Advantage plan to achieve a 5 out of 5 star rating for
three consecutive years, the highest quality of care rating in the United States, awarded by CMS. It
also becomes, for the second consecutive year, the plan with the largest membership in the United
States to achieve this rating.
Board of Directors
|
|
Medical Card System, Inc.
|
MCS Healthcare Holdings, LLC
|
MCS Advantage, Inc.
|
MCS Life Insurance Company
|
MCS Health Management Options, Inc.
|
MCS General Insurance Agency, Inc.
|
Medical Card System, Inc.
- James P. O’Drobinak
- Alex M. Azar II
- W. Mark Watson
- Jose R. Aponte
- Maité Morales
|
MCS Healthcare Holdings, LLC
- James P. O’Drobinak
- Alex M. Azar II
- W. Mark Watson
- Jose R. Aponte
- Maité Morales
|
- James P. O’Drobinak
- Alex M. Azar II
- W. Mark Watson
- Jose R. Aponte
- Maité Morales
|
MCS Life Insurance Company
- James P. O’Drobinak
- Alex M. Azar II
- W. Mark Watson
- Jose R. Aponte
- Maité Morales
|
MCS Health Management Options, Inc.
- James P. O’Drobinak
- Alex M. Azar II
- W. Mark Watson
- Jose R. Aponte
- Maité Morales
|
MCS General Insurance Agency, Inc.
- James P. O’Drobinak
- Alex M. Azar II
- Jose R. Aponte
- Maité Morales
- Herminio Nieves
|
About Our Investor
Kinderhook Industries, LLC is a private investment firm that
manages over $5 billion of committed capital. Since the beginning, Kinderhook
has made in excess of 270 investments and acquisitions. Its investment philosophy
is based on matching unique, growth-oriented investment opportunities with exceptional
financial expertise and its proprietary network of operating partners. Kinderhook’s
focus is on middle market businesses with defensible niche market positioning in the
healthcare services, environmental / business services and automotive / light manufacturing
sectors. Kinderhook has a track record of successfully and consistently building industry leaders.
