Offering a medical plan to your employees is no longer just a benefit — it's a key tool for attracting and retaining talent in Puerto Rico.
At CLB Insurance, we help you find the group medical plan that best fits the size and budget of your business, with personalized guidance that is completely free for you as an employer.
Group Health Insurance for Businesses
Group Health Plans for Companies with 2 to 50 Employees
At CLB Insurance, we work with the leading insurance providers in Puerto Rico to offer group health plans designed to meet the highest industry standards and provide peace of mind to your team. Our SME plans are tailored to the needs and budget of each company, allowing you to choose the best combination of coverage, benefits, and costs for your group.
Health Plans for Companies with 51 or More Employees
At CLB Insurance, we offer health solutions specifically designed for organizations with more than 51 employees, with more complex structures and broader coverage needs. We work with the leading insurance providers in Puerto Rico to offer options such as Fully Insured plans and Self-Funded (ASO) plans, which provide greater flexibility in managing costs and benefits. These solutions are designed to support your company’s stability and ensure employee well-being with solid and reliable coverage.
Available Coverage for Business Health Plans
Basic (Essential) Coverage
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Emergency Services
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Hospitalization
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Medical Visits (Primary Care and Specialists)
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Outpatient Services
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Maternity and Newborn Care
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Mental Health and Substance Abuse Services
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Prescription Drugs
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Laboratory Services
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Preventive Services and Chronic Disease Management
Main Medical Coverage
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General Medical Expenses
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Extensive Network of Doctors, Hospitals, and Specialists
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Primary and Specialized Care
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X-rays, Tests, and Diagnostic Services
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Emergency Room Services
Pharmacy (Prescription Drug) Coverage
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Prescription Drug Coverage
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Generic or Bioequivalent Medications
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Brand-Name Medications
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Specialty Medications
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Pharmacy Networks Across the Island
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Drug Formularies
Additional Benefits
(vary by insurer)
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Dental Insurance (Preventive and Restorative)
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Vision Insurance (Lenses, Frames, or Eyeglasses)
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Group Life Insurance
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Wellness Programs
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Employee Assistance Programs (EAP)
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Telemedicine Services
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Member Portals
Health Plans for Small Businesses under the Affordable Care Act
Triple S Salud, Inc
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Empresarial Gold
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Empresarial Platinum
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Optimo Plus Platinum
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Pocket
MCS Life Insurance Company
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MCS Global Elite Gold PPO
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MCS Global Elite Platinum PPO
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MCS Global Essential Gold PPO
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MCS Global Premium Gold PPO
Plan de Salud Menonita, Inc
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Elite POS Gold
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Elite Pos Platinum
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Elite PPO Gold
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Elite PPO Platinum
First Medical Health Plan, Inc
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PYMES Gold
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PYMES Silver
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PYMES Platinum
Mapfre Life Insurance Company
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PPO Gold
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PPO Silver
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PPO Platinum
Auxilio Salud Plus, Inc
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HMO Gold
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HMO Silver
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HMO Platinum
Benefits of Offering Health Insurance to Your Employees
Offering a health insurance plan helps employees access preventive care, doctor visits, and medications, which may reduce absences due to illness and improve productivity. A healthier workforce often translates into greater operational continuity for the business.
Health benefits can be a key factor in attracting and retaining quality employees. In a competitive labor market, offering a group health insurance plan can help differentiate your business from other employers and strengthen talent retention.
Depending on the business structure and employer contributions, offering a health insurance plan may provide potential tax advantages. It may also help support compliance with applicable employee benefits requirements.
Comparison of Health Insurance Plans in Puerto Rico for Small Businesses
MCS Essential 81 (Budget-Friendly Business Plan)
Ideal Profile:
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Small SMEs
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Startups
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Employers with limited budgets
Advantages:
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More affordable premium
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Includes essential health benefits (EHB) such as hospitalization, pharmacy, and maternity
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Basic dental and vision included
Disadvantages:
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More limited pharmacy network
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Lower coverage for specialized services
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Higher out-of-pocket costs for employees
MCS Elite 94
(Balanced Business Plan)
Ideal Profile:
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Growing companies
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Employers seeking better benefits without paying top-tier premiums
Advantages:
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Broader coverage than Essential
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Includes advanced services (MRI, CT Scan, expanded mental health, etc.)
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Access to services in the United States through reimbursement
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Stronger pharmacy network
Disadvantages:
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Higher premium than Essential
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May be more coverage than needed for younger employee groups
Triple-S Corporate Platinum (Premium Coverage)
Ideal Profile:
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Established companies
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Employers focused on talent retention
Advantages:
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Most comprehensive coverage
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Lower copays
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Better access to specialists and hospitals
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Higher perceived value for employees
Disadvantages:
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Higher premium
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Not always necessary for healthier groups
If you're evaluating health insurance plans for SMEs in Puerto Rico, it's important to look beyond just the monthly premium. At CLB Insurance, we compare these plans for you to help you make the best decision.
Health Insurance Plans for Large Businesses in Puerto Rico (50+ Employees)
Who is it for?
Corporations and Mid-Sized to Large Businesses
Nonprofit Organizations with 50+ Employees
Municipalities and Government Entities
Types of Health Insurance Plans Available
Fully Insured
The insurance carrier assumes all the risk. Ideal for businesses that prefer fixed and predictable costs.
Self Funded (ASO)
The employer assumes the financial risk of the plan and contracts with the insurer for administration only. It may result in significant savings for healthier groups.
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Ability to design specific benefits based on the demographic profile of employees.
Customized Plans
Our Customers’ Reviews
“Very good service and great speed throughout the entire process. They offered us several group health plan options and guided us to choose the best one. Excellent service and outstanding follow-up.”
-Luca Benítez
“Excellent and highly professional service. They helped us secure the best group health plan quickly and easily. Very attentive and always available. Highly recommended.”
- Angel Tort
“At CLB Insurance, they helped us find a plan that perfectly fits our team’s needs and budget.”
- Ana Rio
Frequently Asked Questions
What is a business health insurance plan in Puerto Rico?
Does the employer need to contribute to the health insurance plan?
What documents are needed to request a quote for a business health plan?
A business health insurance plan is a health coverage offered by an employer to its employees.
These plans help attract and retain talent while providing access to essential healthcare benefits
for your team.
The minimum number of employees varies depending on the insurance carrier and the type of group. Generally, a minimum number of eligible employees and a participation requirement must
be met.
Yes. In most cases, insurance carriers require the employer to contribute a portion of the employee’s monthly premium. The percentage varies depending on the carrier and the selected
plan.
Typically, you will need to provide basic company information such as business name, number of eligible employees, desired effective date, and, in some cases, registration documents or payroll records. Requirements may vary by carrier.