No matter what kind of insurance you may be concerned about, start with reading the policy. That principle might work sometimes, but in the context of insurance it can lead to disaster. Yes, insurance policies can be intimidating, as they are often drafted by lawyers and insurance professionals and are therefore full of legalese and specifically defined industry jargon. By failing to understand your rights as an insured, you are implicitly trusting the insurance company to be protecting your rights. Failing to do so is analogous to entering a minefield without the benefit of a map that has been offered to you.
Serious damage can result.
On a related point, it is key that you take the time to learn about and to preserve any rights you may have to keep your insurance coverages in place even if you leave your job. Too often, people unnecessarily lose the health, life, or disability coverage that might have been open to them because they are ignorant of their rights. Such losses can be especially devastating for seriously ill or disabled people forced to quit working. Even though employers are legally obligated to inform you of certain rights involving the extension of health insurance coverage, they often fail to do so. Sometimes they don't know any better, and sometimes it's intentional.