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Frequently Asked Questions
Is PMSC a health plan?
No. PMSC explains that it differs from a medical plan because it does not work with plan billing, but with pre-negotiated rates, fixed monthly fees, no referrals/authorizations, no waiting periods, and no limit on visits/labs, depending on the program.
Is PMSC a discount card?
PMSC indicates that it is not a typical discount card; it describes that it offers access to services through direct contracts with providers and negotiated rates.
Which emergency rooms can I visit?
PMSC indicates that the basic service includes visits to selected wards/centers (according to the guide). Hospital Plus offers access to any hospital on the island and coverage up to $25,000 in annual hospitalization expenses, subject to terms and conditions.
Why do they recommend calling to schedule appointments?
For personalized service and reduced waiting times, PMSC offers coordination according to preferences, availability, and budget.
Simplify your access to healthcare with a clear, direct, and professional model. Book your free consultation to learn how to obtain your PMSC card.
Simplify your access to healthcare with a clear, direct, and professional model. Book your free consultation to learn how to obtain your PMSC card.
Preferential and simplified access to quality medical services, without traditional insurance or lengthy approval processes. The Premium Medical Service Card (PMSC) is an innovative alternative for accessing private medical services without the need for traditional insurance. Designed for professionals and business owners who value time, privacy, and efficiency. Request a consultation and find out if this medical membership model is right for you.
Who is it for?
Professionals and business owners without traditional health insurance.
People with pre-existing conditions not covered by insurers.
Those seeking private medical care without deductibles or co-payments.
Professionals who want to avoid long waits or bureaucratic processes.
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Premium Medical Service Card
How does it works?
PMSC operates like a monthly medical membership, granting the holder access to a network of private physicians without requiring authorizations or deductibles. It's not insurance, but rather a direct-care model with pre-established costs, ideal for those who value predictability, privacy, and efficiency.
Key Benefits
Professionals and business owners without traditional health insurance.
People with pre-existing conditions not covered by insurers.
Those seeking private medical care without deductibles or co-payments.
Professionals who want to avoid long waits or bureaucratic processes.
Key Benefits
Plan Básico
Incluye: visitas médicas, dental, visión, audición, medicamentos, laboratorios, cuidado alternativo/quiro, sala de emergencia y “seguro de vida para el beneficiario principal”.
PMSC Hospital Plus
Incluye todo lo del Básico y añade: Libre selección, Libre selección ER, beneficio anual en hospitalización hasta $25,000, cirugías y estudios especializados; costos varían por edad.
Familiar / Grupal
Opciones familiares y para grupos.
El miembro principal puede añadir hasta 7 dependientes (pareja, hijos menores de 26.
Stages of the Process
Initial assessment: lifestyle, expected use, priorities (preventive, specialists, etc.).
Plan comparison: plan selection and family/group configuration.
Activation and onboarding: delivery of guide, coordination channels and use.
Follow-up: support for appointment coordination and clarification of benefits.