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BenefitsCafe offers Small Group Health Insurance Quotes in California

Benefits Cafe, 50 Years, 1970 to 2020You can get quotes for health insurance in California on and, more importantly, you can also use our expertise to select the best insurance company and plans for you and your employees. We’ve been helping business owners and HR managers set up and run employee benefit plans  since 1970 – 50 years of experience.

We offer that rare blend of high-tech with hands-on help. We use the internet and technology to simplify the complexities of health insurance. We also work closely with our clients to solve problems and keep them in compliance with laws that govern group health insurance. We’re a highly-skilled team of experts we’ll work for you when we become the agent/broker on your plan.

We make sure that your insurance plans work the way that they are supposed to. We advocate for our clients so that insurance companies pay medical claims; grant authorizations for medical services; and resolve billing issues. Our hands-on approach allows business owners and employees to focus on their business while we solve any problems or issues that may arise with their health insurance. Give us a call at 800-746-0045 or click here to get a quote and connect with us.

Group Health Insurance Quotes

Treat yourself to Concierge Level Service with Benefits Café

Many of the finest hotels offer high paying guests special services that go above and beyond the care their other guests receive. Benefits Café offers all our employer clients and their employees and families special services that differ in only one way from other concierge service: our clients receive these services at no additional cost.

For employers, our concierge service starts by helping you shop the market for the best benefits at the lowest possible cost. We represent all of the insurance companies that offer medical insurance to employers in California. We can help you:

  • compare plans and rates;
  • select a plan or plans to present to your employees;
  • prepare communication material for your employees so that they understand their options;
  • help everyone enroll and get approved by an insurance company.

For your employees, Benefits Café concierge service includes helping them:

  • Understand or dispute a doctor, hospital or insurance company bill;
  • Obtain a doctor’s appointment or get access to medical providers; and,
  • Understand their benefits in an easy-to-understand way – either in English or Spanish; and very importantly
  • Advocate and advise on any issue related to their medical, dental, vision, group life insurance, short and long term care or any other benefit plan we help set up.

We take time to help your employees and their families understand their benefits and we’re an ongoing resource for our clients throughout the year. They can contact us through our toll free number (800)746-0045 or via email.

After everything is set up; we are a resource for the employer and human resource managers and administrators to answer any questions and solve any problems that may arise. We seek long-term relationships with our clients. We started our company in 1970 and we’ve worked with many of our clients for decades. Some of the no-cost extra services we give our clients include:

  • An online benefits enrollment and administration system that can integrate with various payroll systems;
  • A paid subscription to a cutting edge human resource library with helpful documents and information for employers with employee benefit questions such as COBRA and Cal-COBRA, HIPAA as well as the pay-or-play tax reporting requirements of the Affordable Care Act. The online HR library also has well researched information on all sorts of human resource questions such as preparing job descriptions, interviews, reviews, terminations and other employment law questions;
  • Monthly updates on employment issues and employee benefits;
  • For clients with at least 5 employees enrolled in a medical insurance plan, Benefits Café will purchase a Section 125 Premium Only Plan (POP) for the group. The POP plan enables employees to make contributions towards their employee benefits (medical, dental, vision) on a pre-tax basis;
  • For clients with at least 20 employees enrolled in a medical insurance plan, Benefits Café will pay for COBRA administration services. The Federal COBRA law allows employees and dependents to continue their group medical and dental coverage after a “qualifying event” such as termination of employment. COBRA requires the employer to send required notices and handle all of the billing and collection from terminated employees and their families. It’s complicated and we’ll hire a third party administrator to handle everything.

We realize that many employers don’t have the resources to hire an expert on employee benefits and we seek to provide that expertise to you at no cost.

The rates and benefits are identical whether you enroll through us, a different agent or broker, or directly with an insurance company. Because the rates and benefits are identical, we can do the shopping for you and help you understand your options. We want to be your trusted advisor for your employee benefit plans. Treat yourself to Benefits Café concierge level service, call 800-746-0045.

Articles & Information

Learn more about health care options with our free articles and information.


These help you understand many aspects of employee benefits.

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These help you visually understand health insurance.

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Health Care FAQ

These answer many of your Frequently Asked Questions.

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Rules for California

Rules for California Small Business Health Insurance

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Meet the team

We’re real people just a phone call away.

Bruce Jugan, president of Benefits Café

Bruce Jugan

Hi, I’m Bruce Jugan, president of Benefits Café. In 1993 I took over my dad’s insurance agency…

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Stephanie Monzon

Hi, I’m Stephanie Monzon and I’ve worked at Benefits Café. since 1999. I’m a fully licensed…

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Cecilia Cordova

Cecilia Cordova

Hi, I’m Cecilia Cordova, I’m an employee benefits specialist at Benefits Café. I graduated from UCLA…

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Mark Gomez

Mark Gomez

Hi, I’m Mark Gomez and I am an Employee Benefits Specialist at Benefits Café. I graduated from the UNCC…

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Understand your options

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Group Plans for Small Businesses


Choosing which California group health insurance plan is right for your employees can be a daunting task, but BenefitsCafe is here to help provide you with the information and resources to select the best group plan along with money-saving tips. Get a no obligation California medical insurance quote, and compare plans. Also learn how the benefits you offer can help your small business attract and retain employees.
Learn about small group health insurance in California.

Section 125 Plans


With a Section 125 Plan (also called Premiums Only Plans (POP), Cafeteria Plans or Flexible Spending Accounts (FSA)), employees pay their contributions before taxes for insurance premium, dependent care, and unreimbursed medical expenses. This can save both employees and employers money, and help small businesses offer health plans to employees that might not otherwise be affordable. Read more about Section 125 Plans.

Resources for Seniors


Health insurance can be a confusing topic for seniors. At, we are here to help you access your medical insurance needs. Those shopping for Medicare Supplemental health insurance in California will find carrier direct Med-Sup prices from UnitedHealthcare, Anthem Blue Cross of California, Health Net and Blue Shield. Learn more about Medicare Supplemental insurance.

California Health Benefit Exchange – Covered California


As part of the U.S. health care reform law, the California Health Benefit Exchange, called Covered California, will be a state-run organization that offers medical insurance plans to individuals, families, employers and employees. In this “market place” people can enroll in government-sponsored (public) and commercial (private) medical insurance plans. Some people may qualify for subsidies to reduce the cost of their health insurance when purchased through the Exchange. can help you understand your options. Learn more about the California Health Benefit Exchange.

Individual & Family Insurance Quotes