Updated every Monday!   Subscribe to free weekly newsletter.

Kaiser Health Insurance: $3 a Day?

Everyone knows that health care costs are going through the roof, and as a result so is the price of health insurance. So when Kaiser Permanente advertised coverage for only $3 a day, it caught Mouse Print*’s attention.

kaiserlarge1.jpg

Coverage for prescriptions, doctors’ visits, hospitalization, and emergency care for only $3 a day?  Wow!

After trying zip codes in Massachusetts, New York, and Illinois with no coverage available, a Maryland zip code finally yielded some policies and prices. 

*MOUSE PRINT:  A policy for one 50-something male would cost monthly:

kaiserquotes.jpg

No policy was anywhere close to the advertised $3 a day, and the best plan was seven times higher. In fact, at least in Maryland, you would have to be in your 30s or younger to find a policy at the advertised price. And what do you get for your premium dollar even at over twice the advertised price?  You must first pay $8,000 out of your own pocket (in addition to the premiums) before you get “free” doctors’ visits and hospitalization coverage.

Kaiser’s $3 ad is a come on without adequate disclosure that it applies with severe coverage limitations and applies to a narrow segment of customers.

Share this story:

 


ADV
Updated every Monday!   Subscribe to free weekly newsletter.

New Luggage Limits: Sky High Fees for Extra Bags

Many major airlines (Continental, Delta, Northwest, United, and US Airways) are limiting the number of bags you can check free to one per coach passenger, effective May 5, 2008. UPDATE: American Airlines just announced it will limit the free allowance to one bag for tickets purchased on or after May 12, 2008.

Some people will be exempt from the new charges. As one example, here is who gets a free pass at Delta:

*MOUSE PRINT: “Business Elite® and First Class passengers are allowed 3 checked bags at no charge up to 70 lbs. ” [see checked baggage rule]

What are the fees if you go over the limit at Delta for coach passengers?

*MOUSE PRINT:

delta bag policy

So the first extra bag is $25 each way, but additional bags can be as high as $180 each way. And if you are flying overseas, forget it. They could ding you for as much $600 each way.

To add insult to injury, Delta still maintains other baggage rules that must be complied with, or you will be assessed an additional penalty:

*MOUSE PRINT:

delta bag policy 2

*MOUSE PRINT: Delta actual says:

You’ll be charged an excess baggage fee each time you go over any one of the free allowances.

For example, if you have an extra piece of baggage that goes over the weight limit and the size limit, then you’ll be charged 3 times:

  • once for the extra bag,
  • once for going over the size limit, and
  • once for going over the weight limit.

Fees are for each additional bag, each way.

In other words, you will be triple surcharged. If that was your second bag, it would cost you $25 for going over the limit, plus $80 more because it was too heavy, plus $150 more because it was oversized. That is $255 in all. And the charge is each way.

The rules vary airline to airline. Here is a summary of airline baggage policies with links to the actual policy detail.

The friendly skies are looking anything but friendly these days.

Share this story:

 


ADV
Updated every Monday!   Subscribe to free weekly newsletter.

1&1’s 50% Off Sale: But Half Off What?

1&1 is a big domain registrar and web hosting service, and they are celebrating their 20th anniversary in 2008.To attract attention, they have taken out full page ads in computer magazines offering a “50% off Everything*” sale.

1and1small.jpg

The company has been known for low priced domains, typically $5.99 a year. They just went up to $6.99, but given that they are having a 50% off sale, this would still be a quite a deal.  But the ad says that domains are $6.12 during the half price sale. Huh?

Maybe the answer is that asterisk after the word “everything.” Usually that means that not everything is really on sale. That is not the case here.

*MOUSE PRINT:

1and1footer.jpg

They are only giving you 50% off the first three months of the services they sell by the year. With that kind of logic, a supermarket could advertise 50% off eggs, but in the fine print say that the discount only applies to three of the 12 eggs in the carton.

One has to wonder if this company’s real name is 1&1 = 3.

Share this story:

 


ADV