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.
2009 Mar 31

Wellpoint teams with XPrize to Solve Health Insurance Crisis

By |March 31st, 2009 |Categories: Health Care Costs|

Wellpoint, the largest health insurance company in the United States, and parent company of Anthem Blue Cross of California, is partnering with the XPrize to develop a solution to the problem of ever-increasing medical costs; rising numbers of uninsured people; and medical providers claiming to receive too little payment. [...]

2009 Mar 06

The personal cost of Medicare – it ain’t cheap

By |March 6th, 2009 |Categories: Medicare and Medicaid|

"Medicare for all" has become a frequent refrain from health care advocates. This sound bite statement implies that the U.S. would be better off if all citizens were covered under the government-run Medicare program. Currently, eligibility for Medicare is limited to those age 65 and over; some age pre-65 [...]

2009 Mar 02

Advice for People Considering COBRA

By |March 2nd, 2009 |Categories: COBRA|Tags: , |

If you were recently laid off or fired and you are considering whether to enroll in COBRA you're in luck. On February 17th, President Obama signed the American Recovery and Reinvestment Act of 2009 (HR 1) which mandates that employers pay 65% of the COBRA premium for "involuntarily terminated" employees. [...]

2009 Mar 02

Advice for employers trying to comply with the Obama COBRA subsidy

By |March 2nd, 2009 |Categories: ACA|

If you're an employer with 20 or more employees and you're wondering how to comply with the COBRA subsidy in the Obama Stimulus Plan, here's some helpful information. On February 17th, President Obama signed the American Recovery and Reinvestment Act of 2009 (HR 1) to help stimulate the US economy. [...]

2009 Feb 05

Best Case – Worst Case Video

By |February 5th, 2009 |Categories: Videos|

With this video I tried to combine all of the aspects of the previous videos and to show people how to compare two different health insurance plans. I created the "Health Insurance Comparison Chart" many years ago and I have found that it helps to focus on the most [...]

2009 Feb 05

Key Benefits Video

By |February 5th, 2009 |Categories: Videos|

Trying to explain complicated terms like "out of pocket limit" "deductible" and "co-insurance" in less than 2.5 minutes is difficult. I thought that the image of someone really hurting himself by diving into a swimming pool was a good way to convey the importance of the protection that health [...]

2009 Feb 05

HMO – PPO Video

By |February 5th, 2009 |Categories: Videos|

I've found that many people aren't exactly sure what an HMO and PPO are. With this video I wanted to show how they work and what the differences are. I have used the graphics in this video for many years when I sit down with business owners or individuals [...]

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