Not sure what you’re asking. In general, people who have insurance through their employers have insurance coverage that is selected by the HR person. There are no “surprises”. Carriers have a document called a pre-enrollment disclosure guide. This explains how your plan works before you enroll. You should also get a plan summary at the time of enrollment, and after you enroll, you get a certificate of coverage. Take the time to read the documents. If you have specific health issues, ask questions. “I want everything for free” is not an option for any plan, with any carrier.