We know you want more from your plan. That’s why we offer you the MMM Flexi Card®, which helps with your daily expenses without sacrificing your healthcare coverage benefits.
Whatever you don't use, you carry over to the next month!
Automatic monthly deposit based on your coverage.
Any unused portion carries over to the next month during the contract year.
You pay and shop wherever ATH® is accepted—without cash.
Enjoy the convenience of having more.
Use your MMM Flexi Card® to pay for:
Food and supplies
Ready-made meals
Gasoline
Electricity, water, telephone, and cable
OTC Items (Part C)
Cleaning supplies
Clothing
Linen
Pet care
Hardware items
Gardening supplies
Theaters and cinemas
Earphones
Gym
Frames and lenses
Dental services
Where can you pay with the MMM Flexi Card®?
These are some of the participating businesses across Puerto Rico.
Do more with our mobile app
With the MMM app, you can check your MMM Flexi Card® balance whenever you want, review your transactions, and always have your benefit with you.
Check your card's available balance.
Check your purchase and payment history.
Receive notifications about your monthly deposit.
What you need to know
You will receive an ATH® debit card by mail, onto which MMM will deposit the amount allocated based on your coverage each month. You activate it by following the instructions included with the card.
No. Whatever you do not use during the month rolls over to the next month within the contract year. The balance resets at the start of a new contract year.
At participating merchants that accept ATH®: supermarkets, pharmacies, gas stations, restaurants, utility companies, and more. Check the full list of establishments in the participating merchants section.
You can view your available balance and transaction history at any time via the MMM mobile app. You can also call us if you need assistance.
Benefits vary by plan. Some benefits are Special Supplemental Benefits for the Chronically Ill (SSBCI) and apply to members with certain chronic conditions. Call us, and we can guide you regarding the plans that include them.
*Benefits vary by coverage. You will receive a card onto which the allocated amount is deposited each month. Unused funds roll over to the next month during the 2026 contract year. Limits and restrictions may apply. Some of the benefits mentioned are Special Supplemental Benefits for the Chronically Ill (SSBCI). You may qualify for SSBCI if you are at high risk of hospitalization and require intensive care coordination to manage chronic conditions such as: hyperlipidemia, diabetes mellitus, hypertension, cardiovascular disease, and peripheral vascular disease. For the complete list of chronic conditions, please refer to Chapter 4 of the Evidence of Coverage.