Is Ameriplan USA A Work At Home Scam?
Ameriplan USA® is a nationwide company that provides discount plans on various medical services such as vision, dental and prescription care. The company is able to negotiate these savings because of its large membership base.
Unfortunately in order to receive these discounts you have to pay a membership fee. Now in the past I think this was probably a great business model. I don’t think most people would mind paying a membership fee if it meant the savings you would receive during the course of a year on your health care needs would outweigh the cost of the membership. The problem is nowadays there are so many stores including pharmacies that give you their own savings cards for free when shopping. I personally love my stop and shop saving card and save boat loads of money on my grocery shopping every year. And I’ve seen some medical discount cards that are free of cost. So is this really a sustainable business model? I think that’s why they started adding all these other services to justify the cost of the plan.
In either case Ameriplan’s discount plan may be appealing to those who don’t have health insurance. And this is where their business opportunity comes into play.
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Ameripan USA recruits "brokers" to sell these health care discount memberships to others as well as recruiting other people to become brokers. I was a broker twice. But eventually decided that the opportunity was not for me and some of the following reasons may be a turn off to you as well.
1. You really need to be a telephone person to do well with the Ameriplan Work At Home opportunity. For me this wasn’t very feasible. I have a full time job furthermore I had to run my websites and lastly I hate being on the phone. But I tried as much as possible to make it a totally online based business but it just wasn’t feasible. If you’re a telephone person then you may be able to do well with this opportunity.
2. Second issue was their daily pay policy. In theory this was great to me. Most companies make you wait a month or more for you pay. The problem here is that if someone you enrolled decided to cancel after they paid you, they would deduct that money on your future earnings. This always burned me. And honestly I’m not sure if this is still the case. Nonetheless it sucked big time. It’s also one of the reasons I went to Procard International (A very similar company but better policy on your referral commissions!)
3. And finally their training and broker website was just too overwhelming and not user friendly. I always felt very lost with the information and maybe it’s because I’m an idiot. My up-line did help me a lot but even with that I always felt overwhelmed. Furthermore I also felt Ameriplan was always trying to upsell you tools and services that were suppose to help you make more money. But shouldn’t that stuff be free? Doesn’t it make sense to provide these tools to me for free so I can make the company and myself more money? Maybe I’m asking for too much? Granted they do have a very impressive training support system but why offer so many up-sell options?
So those were my main issues with the Ameriplan Business Opportunity. The Ameriplan dental & health discount plan or program really did work. So that part was not a scam. I was able to save on some of my vision care needs. But in terms of the Ameriplan work at home opportunity it just wasn’t right for me. It was way too expensive and time consuming for my taste. Does this mean that Ameriplan USA is a scam? No. But would I recommend it to others? I would if you like being on the phone and know a lot of people that don’t have health insurance or don’t mind hunting these type of people down.
Can you make some big money with Ameriplan? Yes you can because my up-line sure did! But she loved to be on the phone and most of her money was coming from recruiting other brokers. So keep that in mind. As I said earlier I joined Ameriplan USA twice and dropped it twice. Need I say more?
Don’t get me wrong, I’m not the angry work at home cynic guy here writing a review to get back at Ameriplan USA. I personally just didn’t find the opportunity all that attractive after several tries. So my recommendation is to pass on this opportunity if some of the issues I mentioned above would make you feel uneasy.
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February 27th, 2008 at 4:50 am |
You are a moron! I’ve been using AmeriPlan for almost a year. I’ve had nothing but good experiences with this program. You are just mad because you are too stupid to make money on the program!
February 27th, 2008 at 9:57 am |
Wow, “them there are fighting words” lol.
Sharon, thanks for your comment, they’re still appreciated even though it was very rude.
I’ll say this like I said it above, Ameriplan wasn’t for me. I did make some money with it. But not like the money I make now in affiliate marketing which by the way is in the thousands per month. So I do “ok”.
In terms of me being a “moron”, maybe I was when it came to Ameriplan. Honestly I did feel that way because strangely enough I was able to make every other program I did work including Procard www.workathomenoscams.com/2007/08/18/is-procard-international-a-scam/
which is pretty much the same as Ameriplan but much more affordable to get started.
So maybe you’re right. I may be a moron when it comes to this particular opportunity. But overall I think I’m doing ok. Afterall I was able to quit a full time corporate career making nearly 6 figures a year to do affiliate marketing at home, full-time. www.workathomenoscams.com/freedom So some would argue I can’t be that stupid. But hey what do they know?
In any event, I’m happy you’re one of the many geniuses that have been able to make money with Ameriplan. At the end of the day, we’re always happy to see people have succeeded and are working at home. That’s pretty much what this blog is about.
So folks, I’ll say it again. Just because I was a “moron” and couldn’t make Ameriplan work, doesn’t mean you can’t.
Maybe Sharon can sponsor one of you guys and help you succeed like she’s been doing if you’re interested in joining Ameriplan.
Thanks again for the comment Sharon.
Cheers,
Eddy
April 7th, 2008 at 10:36 am |
WOW, this was helpful.I was just reading the ’start up’ e-mail from Ameriplan and I was unsure of the promises that were being made. It seemed a little steep. I do have the time to dedicate but I’m ceratinly not one to want to sit on the phone and hunt people down….
Thanks to you both for the ups and downs of the company.
Sharon.. CHILL OUT honey. I think he was just stating the facts and isnt talking crap about the company…
April 7th, 2008 at 10:44 am |
Hi Donna,
Thanks for your feedback. I’m glad you found my opinion useful. It was just my opinion of the company based on my experience. But you’ll also read many others that have different experiences that could be better than my own. So keep that in mind.
I think Sharon’s reaction was so strong because she’s doing well with the company so she may have felt I was attacking it. But I was just sharing my experience.
But to each their own.
Thanks again Donna.
Eddy
May 29th, 2008 at 5:55 pm |
Eddy you’re not a moron everyone has a different learning curve & thanks for the info on Ameriplan.
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May 29th, 2008 at 6:03 pm |
Thanks MzInfinity,
That was kind of you. lol
Honestly Ameriplan was one of the few opportunities that I couldn’t really make work as well as I like. But I think it was more because you need to be a phone person which I’m not. So maybe I’m a phone moron. lol
But I know there are people doing well with it.
So go figure.
Eddy
July 13th, 2008 at 11:23 pm |
Hello,
I just had my second child and I’m really wanting to work at home. I plan on still sending my children to daycare while working at home so I can dedicate the time but I’ve been having trouble finding a legitimate at home job. Any suggestions? I would like to do something that doesn’t require any start up $$. I’m currently in sales and I’m just really frustrated with working crazy hours. I looked into Ameriplan but it just looked like a pyramid scam to me. I would really appreciate any help.
Thank you!
July 14th, 2008 at 5:21 pm |
Hi Jessica,
I wouldn’t call Ameriplan a pyramid scam at all. That word is thrown around too loosely. Ameriplan does actually have real products to sell where as a pyramid scam is more about just recruiting people with no real product or service to offer. So I just wanted to clarify that. I didn’t personally like or do well with Ameriplan but I would never just call it a scam because of that as so many people do in this field.
In any event, I’m not sure if you’ve had time to look through our site completely but many of your questions have been addressed in the following areas:
www.workathomenoscams.com/companies
www.workathomenoscams.com/articles
www.workathomenoscams.com/ask
Since you have a sales background I would strongly encourage you to look into Wealthy Affiliate since you were considering Ameriplan: www.workathomenoscams.com/aff
or just telemarketing since there are so many available jobs in that field.
I hope this helps. By the way, if you really want to determine if a company is a scam visit our scam section and watch our video:
www.workathomenoscams.com/scams
Eddy
July 19th, 2008 at 9:22 pm |
Jennifer-
I recently had my second child too. Second boy…homebirth…amazing. I was looking for an at-home job opportunity and I literally couldn’t sleep because I was so stressed out about having to pick up the slack while my husband’s job is in its downtime. Ameriplan has been my saving grace.
Email me for more info on how to get the most out of your relationship with this company. I also recently applied for at-home customer service work with several companies and i’d be able to tell you which ones are a waste of time (and money).
I look forward to hearing from you, or anyone interested in learning more about ameriplan. Email me at elie.ameriplan@gmail.com