E
MCS Advantage Inc
Rating Date
January 2026
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Total
Assets
Capital
Health
Premiums
Net
Income
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Major Rating Factors: Fair overall results on stability tests (4.3 on a scale of 0 to 10) based on good risk-adjusted capital in prior years. Good overall profitability index (5.4) despite 14.1 million in losses in the current year. Good overall capitalization (6.6) based on good current risk-adjusted capital (severe loss scenario).
Other Rating Factors: Good liquidity (6.1) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Excellent quality investment portfolio (9.9) containing small junk bond exposure.
Principal Lines of Business: --
Licensed in: PR
Principal Enrollment Breakdown: --
Other Highlights
Medical Loss Ratio
Medical Expense
Per Member Per Month ($)
959
Provider Compensation ($000)
Capitation Pay
Fee For Service
0
Contractual Pay
Salary
0
Bonus
0
Other
--
Member Physicians
Enrollment
Total Patient Encounters
Physician
Non-Physician
Corporate Info
Group Affiliation
GH Healthcare Group LLC
Investment Rating
--
Company Address
255 Ponce de Leon Avenue
San Juan, PR 00917
Phone Number
(787) 758-2500
NAIC Number
13022
Largest Affiliates
U
San Juan, PR - Health