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Corporate Profile

Corporate Profile

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.


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’ growth has been achieved, precisely, because the company is constantly looking to optimize all its operational areas in order to provide its constituents with excellent service. The company relies on its more than 2,000 committed employees placed around Puerto Rico’s different offices.

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 as a provider of employment and health services, but as an entity that can make a difference in the lives of people who live in the communities it serves.

MCS keeps undertaking community engagement initiatives, with the satisfaction of having contributed to the improvement of the quality of life of thousands of Puerto Ricans throughout the company’s 40 years of existence.

MCS currently provides a wide array of products and services focused on promoting healthy lifestyles that lead to the physical and emotional wellbeing of its more than 400,000 members.

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 trustworthy partner in this path by offering top-of-the-line services to meet your health goals, innovative products that go beyond healthcare, and a friendly, kind, honest approach no other health provider can match.

All of us at MCS laugh, dream, share and enjoy living just like you do. That’s why we want to be your caring partner in this great adventure we call life.


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Main Company Attributes

  • A broad network of providers comprised of over 13,000 physicians, over 70,000 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.
  • Fast, dynamic, and cost-effective service. We promote long lasting relationships of trust with our members, employees, business partners and the community by fulfilling our commitment and goals to facilitate processes and quality health services.
  • Innovative Wellbeing Program 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 Life insureds traveling on business or leisure. With just one phone call, MCS Life insureds 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.





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:

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 applicable to the industry.

Trust

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 February 2024

our client portfolio includes:

​  MCS Classicare 
​    264,880
 ​​​ MCS Life
​​    239,089
 ​​​ Individual
​​     19,264
                                     ​Total
​     523,233


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 comprised of over 13,000 physicians, dentists, laboratories and hospitals, among others. It also provides access to a broad network of over 70,000 pharmacies between Puerto Rico and 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.

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MCS Through Time

1980's

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.

1990's

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's

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 achieves the highest numerical score in the CAHPS survey for measures of health plan qualification and drug plan rating of all MA contracts within the United States and Puerto Rico. The MA plan announces that it received a score of 95% on both measures, demonstrating once again the quality of its health plan.

MCS celebrates 40 years of experience and service with purpose. An important moment to reflect on the transformative journey and unwavering commitment to offer genuine quality care services to the policyholders, members and the community of Puerto Rico.

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.
  1. James P. O’Drobinak
  2. Alex M. Azar II
  3. W. Mark Watson
  4. Jose R. Aponte
  5. Maité Morales
MCS Healthcare Holdings, LLC
  1. James P. O’Drobinak
  2. Alex M. Azar II
  3. W. Mark Watson
  4. Jose R. Aponte
  5. Maité Morales
MCS Advantage, Inc.
  1. James P. O’Drobinak
  2. Alex M. Azar II
  3. W. Mark Watson
  4. Jose R. Aponte
  5. Maité Morales
MCS Life Insurance Company
  1. James P. O’Drobinak
  2. Alex M. Azar II
  3. W. Mark Watson
  4. Jose R. Aponte
  5. Maité Morales
MCS Health Management Options, Inc.
  1. James P. O’Drobinak
  2. Alex M. Azar II
  3. W. Mark Watson
  4. Jose R. Aponte
  5. Maité Morales
MCS General Insurance Agency, Inc.
  1. James P. O’Drobinak
  2. Alex M. Azar II
  3. Jose R. Aponte
  4. Maité Morales
  5. 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.



 

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