Locate your benefits summary
Confirm the amount of group coverage, who pays for it and whether supplemental coverage has different rules. Keep a personal copy you can access outside a work email account.
Ask about continuation
Ask HR or the insurer whether portability or conversion is available, what deadlines apply, what evidence may be required and how the cost would change. Do not assume coverage automatically follows you.
Review the household need
Compare the benefit with your responsibilities and any individual coverage already owned. The right next step depends on your circumstances and the available terms.
Act before a deadline
If a departure or retirement is approaching, ask for the rules in writing. Review options before a continuation deadline passes.