The ins and outs of living in Puerto Rico

Triple-S Salud

Triple-S Salud is the largest and most popular health insurance company in Puerto Rico. There is simply no place in Puerto Rico that does not accept this insurance company. Their plans vary and although this is the largest company, make sure you look at all the coverage details as some people have reported that another company had a plan better suited for their specific needs.

Click here to read about my experience with Triple-S Salud. It has been MOSTLY good, but I am currently REALLY upset and frustrated with them.

Triple-S Salud was established in 1959 and by 1965 Blue Cross and Blue Shield chooses them as its exclusive licensee in Puerto Rico. If you see the insurance card, you will see the Blue Cross and Blue Shield logos in it.

Like most of the health insurance companies in Puerto Rico, Triple-S Salud covers Dental as well. I have to admit, I was a bit shocked and surprised to learn when I lived in the states that the dental coverage was separate from the health insurance. My whole life growing up here in Puerto Rico, I always had dental coverage as part as the overall medical coverage, so it took me off guard to see that in the state I lived in, dental coverage was a separate thing.

Click here if you are a federal government employee and would like to see their coverage brochure for 2013.

In all honesty, my experience with health insurance companies in Puerto Rico has been MUCH better than my experiences in the states, and I mean MUCH BETTER. Not only is it much more affordable, but at least the plan that I have covers so much more.

To give you an example, when our first child was born in the states, we had a nice bill for about $70,000, partly because she was in the NICU for a few days. In order to pay for this we had to search for every single state help we possibly could find, the insurance company didn’t want to pay for more than they did because they did not think some of the services were necessary among other things! It was a NIGHTMARE!

However, when our second child was born here, my TOTAL bill for everything was a whopping $0!

Yes, I was shocked to see that, but I was very impressed. Some other plans may have a small co-pay, but at least my plan covered it all and there was absolutely no problems with anything.

One thing I haven’t seen here that I did have in the states was reimbursement for gym attendance, maybe some other company has it but I have yet to find an insurance company that offers it.

In the states, there was a program in which if I went to the gym at least 3 times a week, I got a certain amount of my monthly premiums reimbursed, all I had to do is get a printout of my attendance every month at the gym and submit it and I saw the reimbursement in a few days.

For more details, visit the official Triple-S Salud website. (For English, click the “English” link at the top of the page)

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