Bruce Jugan, President

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.
2023 Jul 14

Five Things Employers Need to Know about Health Care Reform (ACA)

By |July 14th, 2023 |Categories: ACA|

Earlier this year, the U.S. Supreme Court upheld the constitutionality of the Patient Protection and Affordable Care Act, known as ACA or "health care reform." This November President Obama won re-election to the presidency and will move forward with implementing the ACA. The ACA is now the law of [...]

2023 Jun 01

Consumer Advocacy for Small Business Medical Insurance with the California Senate and Assembly

By |June 1st, 2023 |Categories: Changes in Medical Care|Tags: , , , , , |

On May 10, 2023, I flew to Sacramento, California and joined other insurance professionals for a day at the Capitol, which included meeting with elected officials and discussing issues of importance to small and mid-sized employers that offer group medical, dental, vision and other types of insurance coverage to [...]

2022 Oct 25

Blue Shield’s Abortion Travel Reimbursement Program

By |October 25th, 2022 |Categories: Health Insurance California|Tags: , , , , |

BSCA offers small-group travel reimbursement The U.S. Supreme Court overturned Roe v Wade in June 2022. Many employers pledged to help employees safely travel to seek abortion services to an abortion safe state. This may be easy for large corporations to offer their employees. However, small businesses may struggle [...]

2022 Oct 12

Medicare Part D Notices Due Before October 15th

By |October 12th, 2022 |Categories: Medicare and Medicaid|Tags: , , , , |

The Centers for Medicare & Medicaid Services (CMS) runs Medicare for the U.S. Government. “Creditable Coverage” is the fancy term CMS came up with to determine if the prescription medicine coverage (Rx) of your employer-sponsored group health plan is as good as or better than the minimum Part D [...]

2022 Sep 28

Comprehensive Guide to Riverside Area Hospitals and Group Medical Insurance

By |September 28th, 2022 |Categories: Regional Medical Insurance and Hospitals|Tags: , , , , |

If you live in the Riverside area and you’re looking for group medical insurance for your employees, you likely want to know: which insurance company includes the nearby hospitals? We’ve created a list of hospitals in the Riverside area and a list of the largest medical insurance PPO and HMO [...]

2022 Sep 06

Ventura County Hospitals and Health Insurance Options for Small Businesses

By |September 6th, 2022 |Categories: Regional Medical Insurance and Hospitals|Tags: , , , |

If you live in Ventura County and you’re looking for group medical insurance for your employees, you likely want to know: which insurance company includes the nearby hospitals? We’ve created a list of hospitals in Ventura County and a list of the largest medical insurance PPO and HMO networks.  [...]

2022 Aug 25

Confusing California Health Insurance Provider Network Names Harm Consumers

By |August 25th, 2022 |Categories: Group Medical Insurance Providers, Health Insurance California, Small Business Medical Insurance|

“If I had a world of my own, everything would be nonsense. Nothing would be what it is, because everything would be what it isn’t. And contrary wise, what is, it wouldn’t be. And what it wouldn’t be, it would. You see?” Alice in Wonderland, by Lewis Carroll [...]

2022 Jul 08

Infertility Benefits for Small Group Employees in California

By |July 8th, 2022 |Categories: Health Care Costs, Small Business Articles, Small Group Health Insurance|

Introduction In this article we describe the current infertility benefits that are available to employees and dependents of small employers in California with 1 to 100 employees. We summarize the infertility benefits and provide brochures from the insurance companies and exchanges that offer small business health [...]

2022 Jun 28

Strategies for Employers to Manage Group Medical Insurance Plans

By |June 28th, 2022 |Categories: (SHOP) Covered California Small Business Articles, Small Business Articles, Small Group Health Insurance|

California small employers often find it challenging to manage a group health insurance plan and answer employee questions. Getting the accurate benefit and rate information to a newly hired employee; enrolling them in the plan; and, making sure they have their ID card can be daunting tasks for an [...]

2022 Jun 28

Tips for Adding a Newborn or Adopted Child to your California Small Business Medical Insurance Plan

By |June 28th, 2022 |Categories: Small Group Health Insurance, Small Business Articles, Trends|

Welcoming a new child can be one of the most exciting times of a parent’s life. It can also be a time filled with stress and uncertainty. Luckily, health insurance companies in California have plenty of resources to support you during your pregnancy or adoption process. California health insurance [...]

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