About Bruce Jugan

Bruce is an expert in group medical insurance and employee benefits for small to mid-sized companies. He's been a licensed agent/broker since 1993. Bruce has written all of the content on BenefitsCafe.com. He and his team help employers select medical plans; communicate information to employees; stay in compliance with various rules and regulations; and solve benefits-related problems that may arise.
30 09, 2021

Vivity from Anthem Blue Cross Available to California Small Group Employers

By |September 30th, 2021 |Categories: Small Group Health Insurance, Small Business Articles, Trends|

By Bruce Jugan September 29, 2021 Last night I attended a broker dinner with executives from Anthem Blue Cross where they announced that Vivity health plans, a collaboration with major Southern California hospitals, doctor groups and the insurance company, will be available to small employers (1-100 employees) in Los [...]

25 06, 2021

An Inside Look: Fillable PDFs are the Best California Medical Insurance Companies can give Small Employers

By |June 25th, 2021 |Categories: Health Insurance Reform,, Small Business Articles|

Example Small Business Employee Insurance Enrollment Form By Bruce Jugan, June 24, 2021 API connections would eliminate data input errors and could save hundreds of millions of dollars and reduce the cost of medical insurance for small employers. Imagine you log into Expedia and [...]

4 05, 2021

ARPA COBRA

By |May 4th, 2021 |Categories: Small Business Articles|

COBRA Subsidies Under ARPA - COBRA Administrators and Insurance Companies Should Help On March 11th, 2021, President Biden signed the American Rescue Plan Act (ARPA) into law.  ARPA is a $1.9 trillion economic relief bill that gives financial help during the ongoing COVID-19 pandemic.   The new law includes section [...]

7 12, 2020

Walmart Health: a New Approach to Health Care

By |December 7th, 2020 |Categories: Changes in Medical Care, Health Care Costs, Health Insurance Reform,, Large Group Medical Insurance Articles, Small Group Health Insurance|

Walmart has taken a big step towards fixing the “broken” U.S. health Care system by creating Walmart Health.  These are clinics that offer primary medical care, mental health counseling, X-rays, labs, dental services, and vision and hearing services at one location.   As of December 2020 Walmart has 14 health clinics.  [...]

19 11, 2020

Amazon Opens Neighborhood Health Center

By |November 19th, 2020 |Categories: ACA, Changes in Medical Care, Health Care Costs, Health Insurance Reform,, Small Group Health Insurance, Trends|

Employee Medical Clinic As a sign of change in medical care delivery, Amazon has opened its first health care clinic for its employees in Dallas, Texas.  According to the Amazon announcement, “Amazon expects to establish 20 health centers in five cities across the U.S., improving access and care [...]

25 03, 2020

Updates on the COVID-19 Crisis

By |March 25th, 2020 |Categories: Uncategorized|

Benefits Cafe began a COVID-19 Crisis Update page last week where we have information from governments and insurance companies about their revised policies to accommodate these unusual times.  The update page also has breaking news that should be helpful to businesses that are forced to make difficult decisions.  Today, [...]

26 07, 2019

Update: UnitedHealth Care Postpones Rollout of New Association Health Plans in California

By |July 26th, 2019 |Categories: ACA, Association Health Plans, Covered California, Small Business Articles, Small Group Health Insurance|

Less than two weeks ago, I wrote a blog post that predicted that fireworks would hit California’s small group health insurance market with UHC’s new Association Health Plans.   Well,  sparks flew.  Yesterday, UnitedHealth Care announced that because of “regulatory inquiries over the past couple of weeks” UHC has suspended [...]

8 07, 2019

Fireworks Will Hit California’s Small Group Health Insurance Market with UHC’s New Association Plans

By |July 8th, 2019 |Categories: ACA, Association Health Plans, Small Group Health Insurance, Trends|

  UnitedHealth Care (UHC) kicked-off Summer 2019 with a bang.  During a webinar to their top brokers on July 1st, they made the game-changing announcement that they will introduce 9 new Association Health Plans (AHP) into the California small group marketplace (1-100 employees.) By screening enrollees for pre-existing medical [...]

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