Welcome to

Professional Benefits & Insurance Services

We’re dedicated to helping individuals and businesses with their health insurance, retirement, and employee-benefit needs. Officially, we’re what’s known as a licensed insurance agency (Ca. Lic. No. 0B10919), but we prefer being called benefit specialists.

We’re centrally located ten minutes from downtown Los Angeles at:

1304 W. Beverly Blvd., Suite 200
Montebello, CA 90640

Toll-free phone number:

(877) 4PRO-BENEFITS
[477-6236]

Regular phone number:

(323) 721-9121

Fax number:

(323) 721-7343

E-mail:

bruce@pro-benefits.com

stephanie@pro-benefits.com

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Site Map:

Welcome Page (here) - Contact Information

About Us - What, Where & Who We Are:

• What We Do
• What We Don’t Do
• What We Ask of Our Clients
• Where We Do What We Do
• Our Approach
  - Reliable Advice
  - Benefits Help Businesses Grow
  - Ongoing Client Support
  - Long-term Perspective
• What Does it Cost for Professional Benefits' Services?
• How We Do What We Do
  - Consultation
  - Market Analysis
  - Implementation
  - Ongoing Assistance
  - Added Services
• Who We Are
  - Bruce Jugan:
       ~ Resume & Photo
       ~ Recent Continuing Education
       ~ CEBS Courses
       ~ Insurance Companies We Represent
  - Professional Involvement & Code of Ethics
  - Client Reference Letter - WetFeet.com

Helpful Info When Considering Employee Benefits For Your Business

• Employee Benefits: Five Ways to Spend Less and Give Your Employees More
• The Problem with Salary Bonuses to Pay Health Insurance
• Tax Incentives for Group Insurance Benefits
  - Federal Tax Treatment
  - California State Tax Treatment
  - Section 125 Plans Help When Employees Pay Part of the Premium
       ~ Setting Up a Section 125 Plan
       ~ How a Section 125 Premium-Only Plan Saves You Money
• How to Evaluate A Health Plan
  - Benefits
  - Price
  - Providers
• Buying Health Insurance: Like Slicing a Pie

Products, Proposals & Links

• Blue Cross of California Link
• Contact Us
• Life Insurance Needs Analysis

Pro-Benefits Update

• New Ways to Attract and Retain Employees

FAQs

• What is an HMO?
• What is a PPO?
• What is a POS?
• What are Indemnity or Fee-For-Service Plans?
• What's a “Management Carve-Out?”
• What's a “Stand Along” or "Wrap Around" Plan?
• What's an “Employee Elect” or "Mix and Match" Plan?
• What's an “Employee Buy Up”?
• How Do Insurance Companies Price Health Insurance?
• What does "Participation" mean?
• What does Employer and Employee "Contribution" Mean?
• What's "Adverse Selection"?
• What are the Government Requirements for Insurance Companies to Guarantee Coverage and Limit Prices for Small Groups in California?
• What's a “Purchasing Pool” and How Does it Give Employees Freedom of Choice?
• What does “Stop Loss” mean?