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Your Bank > Education and Advice > CNB University

Your Health

Title
Date
Apr 03, 2014
Health-Care Reform Changes Affecting Seniors

The Patient Protection and Affordable Care Act, enacted in 2010, contains some provisions that directly affect our nation’s age 65 and older population. If you’re a retiree or a senior, you may be concerned about how these reforms are affecting

Apr 03, 2014
Oct 03, 2013
A Health Savings Account (HSA), a Positive Addition This Open Enrollment Period
With all the talk of health care reform in the media and health care premiums on the rise, employers need effective solutions to lower expenses while being able to continue to offer attractive benefit plans to their employees.  One alternative to consider this open enrollment period is adding an HSA compatible (high-ductible) plan to your health care plan offerings. Effective communication of employee benefits is important in assisting employees in making informed health care decisions.  A few things to think of regarding your benefits meetings this open enrollment period are:
Oct 03, 2013
Oct 03, 2013
Take a Hard Look at Employee Benefits
The final quarter of the year is the time when many employers typically offer open enrollment.  This selection period gives employees the opportunity to make their benefit elections for the following year.  But mistakes can be costly.  So if it’s open enrollment time where you work, pay close attention to your benefit choices and review them for coverage changes or increases in premiums.  If your employer’s coverage doesn’t meet your needs, your financial professional may be able to help you fill in the gaps.
Oct 03, 2013
Oct 03, 2013
The Benefits of Having a Benefits Broker
With healthcare offerings becoming more expensive, and more challenging to administer, it makes sense to take a step back and consider what you offer to your employees, and why.  As any successful business owner knows, you can’t expect to do what’s always been done and get ahead.  You need to examine your practices and set goals.  Most savvy businesses have two goals in offering benefits.  First, businesses want to attract and retain the best employees.   Second, they want to contribute to their bottom line by using health benefits to contribute to a culture of health and productivity.   And of course, they want to accomplish both goals with as little administrative hassle as possible.  So where does a benefits broker come in?  They work with you to make sure you can accomplish both goals, while reducing your administrative burden.
Oct 03, 2013
Jul 14, 2013
Podcast: Paying for Health Care Costs Using Health Savings Accounts

We hope you enjoyed listening to "Ask the Experts" on WHAM 1180, Sunday, July 14th at 7pm. Ask the Experts is CNB's financial forum for education and advice as local experts answer your questions on financial topics that interest you.

Jul 14, 2013
Mar 10, 2013
Podcast: Planning for Long-term Care Expenses

We hope you enjoyed listening to "Ask the Experts" on 1180 WHAM, Sunday, March 10th at 8pm. Ask the Experts is a financial forum for education and advice as CNB’s experts answer your questions on financial topics that interest you.

Mar 10, 2013
Dec 11, 2012
Planning for Long-Term Care is a Necessity

        by Susan Suben Susan Suben is the Long Term Care Insurance Consultant for Canandaigua National Bank & Trust.  What is your plan for

Dec 11, 2012
Oct 19, 2012
Health Savings Accounts Benefits
At Canandaigua National Bank & Trust, we are constantly working to respond to our customers’ growing and changing financial needs by providing innovative and beneficial offerings.  To that end, CNB is excited to announce that we have partnered with a leading national provider, HSA Bank, to bring Health Savings Accounts to our consumers and businesses.  A Health Savings Account (HSA) is a tax-favored account used in conjunction with an HSA-compatible health plan.  The HSA allows you to contribute funds on a pre-tax or tax-deductible basis, which you may use for eligible medical expenses.

Oct 19, 2012
Jul 21, 2012
Health Savings Accounts
Podcast: Maggie Meyer, AVP and Personal Banking Manager of Canandaigua National Bank & Trust and Donna Woerner of HSA Bank discussed ways you can use a Health Savings Account to reduce your health care expenses
Jul 21, 2012
Oct 12, 2011
Health Savings Accounts Explained

  Health Savings Accounts Explained Maybe you’ve seen ads for health savings accounts (HSAs) or you know someone who has one. What exactly is an HSA, and should you consider opening one? HSA + HDHP An HSA is a tax

Oct 12, 2011
Jan 20, 2010
Medicare Information

 The New Medicare Drug BenefitJanuary 2006James TerwilligerIn January 2006, Medicare began to offer prescription drug coverage for the first time in its 40 year history. The coverage, called Medicare Part D, is voluntary and is available to all people covered

Jan 20, 2010
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