MCS Personal Health Plan in Puerto Rico – Get a Quote for 2026
MCS Personal Medical Plan in Puerto Rico
MCS Personal Directo is one of the most comprehensive private health plans in Puerto Rico for individuals and families. With over 40 years on the island, MCS offers an extensive network of primary care physicians, specialists, hospitals, and laboratories in every municipality of Puerto Rico.
At CLB Insurance, we are authorized representatives of MCS. We help you compare Bronze, Silver, and Gold plans, understand copays, and complete your application — at no additional cost to you.
Table of Co-payments and Coinsurance
Bronze 61
Annual medical deductible $100
Generalist $0
Specialist $15 / $18
Sub-specialist $22 / $25
Hospitalization $300 / $900
Annual drug deductible $0
Generic medications $15Min$10
Laboratories 35%
Emergency $85
Preventive dental care $0
Starting at $86.36
Silver 72
Annual medical deductible $0
Generalist $0
Specialist $12 / $15
Sub-specialist $18 / $20
Hospitalization $200 / $750
Annual drug deductible $75
Generic medications $10
Laboratories 30%
Emergency $100
Preventive dental care $0
Starting at $100.53
Silver 71
Annual medical deductible $0
Generalist $0
Specialist $12 / $15
Sub-specialist $18 / $20
Hospitalization $200 / $700
Annual medication deductible $0
Generic medications $5
Laboratories 30%
Emergency $100
Preventive dental care $0
Starting at $106.33
Gold 81
Annual medical deductible $0
Generalist $0
Specialist $10 / $13
Sub-specialist $16/$18
Hospitalization $150 / $650
Annual medication deductible $0
Generic medications $5
Laboratories 25%
Emergency $100
Preventive dental care $0
Starting at $121.80
MCS Medical Plans Direct Staff in Puerto Rico
What does the MCS Personal health plan in Puerto Rico include?
All MCS Personal Direct plans include: hospitalization, primary care visits ($0 copay), specialists, laboratory services, X-rays, emergency care, and preventive dental. In addition, they include unique benefits such as:
MCS
relieves
Integrative and alternative medicine with therapies that can complement your traditional medical treatment.
MCS
balance
This incentive program for the insured's well-being is based on voluntary participation and is included in the basic coverage at no additional cost beyond the premium. To be eligible, the insured must be 18 years of age or older and complete a Health Risk Assessment (HRA) during the policy year at one of our MCS Care Clubs or with their primary care physician. A current HRA is required to access the following benefits:
• Monthly reimbursement for wellness activities
• MCS Pays You
• Home assistance
MCS Corporate Wellbeing
If you or any of your direct dependents are self-employed, you can enjoy the Corporate Wellness program.
MCS Life stands out as a business partner and provides employers and self-employed individuals with tools and training to promote their economic development, facilitating workshops and educational experiences that contribute to the achievement of business goals.
MCS
mediline MD
A telemedicine platform that provides virtual emergency medical care anytime, anywhere. This benefit allows you to have 24/7 consultations with highly qualified primary care physicians practicing in Puerto Rico, via phone, mobile app, tablet, and computer, to treat common health conditions from the comfort and safety of your home.
MCS Personal Directo has plans for you and your family.