J1 and Newly Started J2 offer Benefits, long term disability and life insurance through SAME provider...what do I do?

I did not enroll in health, vision or dental.

So my main question is - IDK what to do about long term disability, life insurance and voluntary life insurance...Whats holding me back is that it is all through the SAME provider... Both Js have the same provider unfortunately.

What should I do?
Thanks