With Open Enrollment beginning November 1st, now is the time to start thinking ahead. Whether your team's needs have shifted, costs have changed or everything is working well as-is, this is the window to make sure your group health plan still fits. At Massey, Clark & Fischer, we work closely with our clients to review coverage before enrollment opens — not after. A few minutes now can save a lot of stress later. Let's make this season smooth for you and your team.


"Open enrollment is an opportunity to make sure your employee benefits continue to meet the needs of your business and your team. We work closely with our clients to review their coverage and help them reach informed conclusions before enrollment begins." — H.W. “Hank” Massey, Jr., President, Massey, Clark, Fischer, Inc.


Why a Pre-Enrollment Review Matters

A pre-enrollment review ensures your current benefits plan still fulfills your team's needs while giving you the opportunity to identify any rate or benefit changes before they become surprises. It also helps uncover possible gaps in protection before employees begin asking questions, allowing you to make the required adjustments well in advance. With proper planning, you can approach enrollment with confidence instead of uncertainty.


What We'll Cover Together

During your review, we'll discuss your current enrollment numbers and latest updates to your team, walk through your renewal terms and any premium adjustments, and evaluate your plan's performance according to the team's feedback from the past year. We'll also explore opportunities to include or revise coverage options and provide a brief picture of what's changing, if anything, so you know exactly what to expect.


Why Work With MCF

When you partner with MCF, you'll have direct access to dedicated insurance advisors who provide honest assessment — even when the best recommendation is no changes required. We focus on building long-term associations by understanding your business and your team's unique needs, not just your policy. Our support extends well beyond renewal season, giving you a trusted partner who provides your coverage the right care and attention.


A little planning goes a long way. Whether you're anticipating changes or just want peace of mind that everything's still on track, we're ready to help. Massey, Clark & Fischer has been providing insurance solutions to businesses across Florida for over 65 years. Our team of advisors will help you find the right policy that fulfills your needs at the most competitive price and no cost to you. There's no obligation — just a conversation to make sure you are well taken care of. Contact us to schedule your Open Enrollment review today.

Hank Massey Jr. majored in Insurance at the University of Florida and graduated with his B.S. in Business Administration in 1983. He earned his 2-20 General Lines Property & Casualty and Life & Health license at that time. He earned a distinction as Chartered Life Underwriter (CLU®) in October of 1994 and Chartered Property Casualty Underwriter (CPCU®) in March of 2000.

Disclaimer: The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.