There are two main reasons why someone may ask “Is AmeriPlan a scam?”. You may have been called and asked to buy one of their plans, or you may be considering trying to make money by selling for them.
In this review I will go over answers to both of these questions. The way I see it, if the answer to either of these is, Yes, it is a scam, then neither one should be pursued.
I started this website to help people learn how to start their own website, and offer them the best tools to do so. I have found out though that a lot of people come here wanting to start their own website to make money from home. So, I thought it would also be helpful to point out other good and bad opportunities to make money from home in case you think building your own website might not be for you.
The AmeriPlan Plan
This company was founded in 1992 by twin brothers Dennis and Daniel Bloom. When they started it was just a “discount-fee-for-service” plan for dental visits. Over time they expanded to include vision, prescriptions, chiropractic, and eventually medical. Most recently they have ventured out into other services including everything from ID protection to roadside assistance.
What all of this means is that you pay a monthly fee for the services you think you might want to use, and that earns you a discount with providers who have signed up to be in their program. It is not insurance nor is it a prescription drug plan. They plainly spell this out in the fine print at the bottom of their website.
There is a list of nationwide providers that are involved with the program that you can choose from. It is kind of like having a coupon for a specific doctor, dentist, attorney, etc. You still pay just as if you had no insurance, up front, you just get a discount at the time of payment.
Here is a list of their Medically Related Plans:
AmeriPlan Dental Plus
$24.95 per month per household + $20 Registration Fee
Savings on Dental, Vision, Hearing, Prescriptions and Chiropractic
AmeriPlan Med Plus
$24.95 per month per household + $20 Registration Fee
Includes Telemedicine, savings on Prescriptions, and Ancillary services and Hospital Advocacy
AmeriPlan Deluxe Plus
$39.95 per month per household + $30 Registration Fee
This includes the two plans listed above- the Dental Plus and Med Plus- and additional non-medical discounts
Are AmeriPlan plans legit?
First of all I would like to say that the home page of their website has two tiny paragraphs about what they offer, and the third paragraph starts in with trying to get you to sell these plans for them. That does not make me feel like your health is their main focus.
Another red flag is that what their plans actually offer is pretty vague. And if you click on a particular plan hoping for a better description of the benefits it just takes you to an enrollment page.
Another thing that caught my attention was more small print on a different page listing 9 US states that do not have any providers for this program (Alaska, Montana, North Dakota, Rhode Island, South Dakota, Vermont, Washington, Wyoming, Utah, and also Guam, Puerto Rico, and the US Virgin Islands).
Why, you may ask, do these states not have any providers? Is it because this sort of “business” is illegal in those states?
I decided to look up providers available in my area. I live in Oregon. I was actually surprised to see they listed two dental offices. Of course these are dental clinics, not individual dentists. Also, these clinics regularly advertise low-cost visits and cleanings in my area as it is. However, with the AmeriPlan I would get 20% off bigger procedures like fillings, crowns, and root canals.
It also appears it only covers amalgam (mercury/silver) fillings, not any of the non-toxic options. And there are stipulations like 1 tooth , 1 surface, anterior only, etc.
In every other category, Physicians (all main and subcategories), Pharmacies, Vision, Urgent care, and Chiropractic there is not one single participating service provider within more than 200 miles of where I live. (I stopped checking at 200 miles. That runs through major cities, smaller towns and everything in between.)
So, to answer the question are AmeriPlan plans legit? Maybe, sort of. If you happen to be near a provider (that of course is taking new patients), and you need to have done exactly what they provide discounts on, then I guess so.
How To Make Money With AmeriPlan
What You Are Selling
After spending a lot of time researching AmeriPlan, it seems pretty obvious that their main focus is to recruit sales people. It is not clear, however, if they want me to sell plans to individuals or retain new service providers to expand their circuit.
It would make sense to me to have people trying to get new doctors, dentists, and pharmacies on board, because then it would be easier to sell plans to regular people. Because it isn’t clear on the website, I tried to use their chat feature, but you have to give all your personal information to utilize that. So, I decided to call the 800 number.
Some one answered very quickly. That was a nice surprise. I asked what I would be selling. She said it would be plans to individual people, not trying to gain more providers. I asked if there was an option to become that sort of salesman for them, she said no.
How You Sell It
In order to be able to sell these packages you first need to pay a $24.95 sign up fee. This gives you access to information. However, you cannot be a “BC” (Business Consultant-which means you can now earn commissions) unless you purchase a plan yourself or make a sale.
This is a bit confusing. How would I earn a commission if I hadn’t made a sale? And if I made a sale then I would be eligible for commission, right? Seems like it is worded this way for some scammy reason.
Assuming you get that all settled, then it just becomes your basic MLM (Multi-Level Marketing) scheme. I know that it is legal, and therefore it isn’t technically a “scheme”, but let’s be realistic here. Who makes money in MLM’s? Not me.
Just in case you aren’t familiar with MLM, it’s when you get a small commission off any sales you make. You will probably have to work your butt off to make 20 bucks with cold calls and house parties
They give you a basic outline of how to pursue these sales, a cloned website, and you’re off on your own. You have someone above you who pretends to care about you, and a bunch of people above them, who have no clue who you are, and they all make money off of you.
You quickly realize the only way to make any real money is to recruit other “salespeople”, so they can recruit more salespeople, and so on, until you have enough people under you (pyramid) that you are making some money. Then the higher up you go the more bonuses you win.
In the end, it isn’t about the product you are selling. It is about collecting registration fees of new consultants. That is where the money is coming from.
Is AmeriPlan a Scam?
To me, Yes, this is a scam. It is legal, but it still isn’t something I could stand behind. It’s not about the product of services they offer, it’s about recruitment.
I would not purchase one of their plans, nor would I want to sell them or talk other people into selling them.
AmeriPlan does not appear to exist to help citizens with their healthcare problems at all. It seems very clear this is a marketing ploy put in place to make a few people a lot of money by ripping off the little guy with empty promises.
If you are interested in an honest way to make money from home, I can make a recommendation. In today’s world whether you are trying to make money with something like AmeriPlan or any other work at home method, you are going to be working online.
If you are going to be working online, why not work for yourself. Many of the big websites you see and visit all the time started with an idea. I am sure you have lots of ideas. Wouldn’t it be great to spend your days doing something you enjoy, something that can become very profitable?
I know it sounds impossible, but it isn’t. I am doing it, and so can you. If you would like to find out more about how to start your own website, and how to make money doing it, check out my How To Start My Own Website article.
I promise you it is a way better method to make money from home, and a million times higher on the moral scale than schemes like AmeriPlan.
I hope you found this review helpful, and if you have any questions, comments, or suggestions please leave them in the comment section below. I look forward to hearing from you.