My most recent employer has a company sponsored health plan, there are two plan choices. There exists, a summary of benefits sheet that outlines the two plans. My issue is that I was an employee for in excess of 90 days (contract prior to that) and had no knowledge of the plan(s). When another employee told me that it existed, I inquired about the plans, eligibility etc. from the bookkeeper. This is a small operation 2 pawn shops with 6 employees. We discussed my interest and I told her that I'd like to be added to the plan. After two phone calls and a couple of e-mail transmissions, I was not only never enrolled into the plan as she indicated that I would and subsequently terminated. What are their consequences for being exclusively excluded from the benefit? Not only did I not have coverage while employed as I could have, but also no COBRA coverage because she never added me to the plan.