Is Ameriplan USA A Work At Home Scam?

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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.

How To Make Money With Ameriplan?

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. 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.

Ameriplan Complaints

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 young (loud) children and 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. But if you're not and have young kids, you may be better of with my #1 Free Recommendation instead.

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. It's also one of the reasons I decided to focus on my other work at home opportunity. Fortunately they have provided another option to address this issue. So it's no longer a major issue to be concerned with.

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?

That's why I ended up loving my #1 Free Recommendation! It was like night and day. First of all, the tools are all free. The training is easy to follow step by step instructions, included videos and they provided live chat with other successful business owners to get help! All for free, the way it should be!

Ameriplan Alternatives

Ultimately I don't think AmeriPlan is a scam. They've definitely have some bumps in the road and quite frankly I think the whole concept of paying to save on health expenses is going to be a hard sell. So with that said I want to give you some other options that you may want to consider. First you may want to consider Finding a traditional work at home job that doesn't involve selling if that's something that gives you pause about Ameriplan. Or if you want to stick with the home business route because you like the idea of the freedom and the income it can provide then consider the following companies:

Both are legitimate opportunities that I've personally made money with and make be something that can work for you. Either way, I just want you to know you have other choices at your disposal. It's really up to you to decide which make sense for your situation.

So is AmeriPlan really a Scam?

Not in my humble opinion. But the complaints listed above were my main issues with the Ameriplan Business Opportunity. The Ameriplan dental & health discount 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? Hell 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.

But for me, I prefer creating a business on something I'm really passionate about. Honestly I'm not really passionate about health care and discounts. I don't like being on the phone so I want something that can be done totally online. I'm also a big believer in being able to test something out before fully jumping in. So I like opportunities that can be started for free! If you're like me and feel the same way, you might consider the #1 free opportunity I'm part of by clicking here.

Ultimately can you make some real 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. But if you still want to get involved in some sort of home business then look into my #1 Free Recommendation. Good luck either way. It's important that you pursue something that is right for you and fits your comfort level and not what someone is trying to push you into. You'll do way better in any opportunity if it was something you felt good going into from the start.

Please be sure to read the comments below. There is a lot of great feedback from some current and former Ameriplan members that can help you make the best decision for you. That being said I would ask you ignore and excuse the small number of the childish and immature comments from some of the unprofessional individuals that don't know how to communicate effectively without resorting to elementary school antics. Cheers!

Until next time,

Eddy with a Y!

597 thoughts on “Is Ameriplan USA A Work At Home Scam?”

  1. As with any work at home, network marketing, independent contractor position (it doesn’t matter what business), you get out of it what you put into it. Knowledge, effort and persistence are what make any business opportunity a success. Not everyone is suited to be a business owner, so they shouldn’t BASH the company, if they didn’t do the work. (In my opinion)

    • Hey Keith,

      I agree that any business requires a level of effort and commitment that most people don’t have which is why they tend to be employees. I also agree people shouldn’t just go around saying a company is bad because they couldn’t make it work for them. But that said people do have the right to point out short comings of a company that may make it difficult for them to succeed. Because no company is perfect and we do have to acknowledge some of those weaknesses so you can decide if you can work through them or not. So that’s my two cents on it. But I agree with your message to a certain degree.

    • That wasn’t bashing. They shared their views and experiences. You should not be so sensitive.

  2. I am a current representative with AmeriPlan and I love it. People love it! There are so many people out there that we are helping because they are not being able to spend hundreds of dollars a month on an insurance premium and have thousands of dollars on the co-pay… our as you know have no deductibles or waiting periods.

    • Hey Lori,

      That’s great that you love it. And I agree given the high cost of health insurance Ameriplan can definitely be a useful product. As long as you feel comfortable calling people and doing face to face sales, I think it can be a great way to make money. Or at the very least you need to be good at recruiting others. Thanks for chiming in.

  3. I was thinking about the work at homes and I looked several websites to find a real one in order to avoid the scam because I am so scared to lose my money.Today I got a phone call and also advertisement mail in my email and I need to search this AmeriPlan really work or not.After reading from top to bottom of your explanation,I got my final decision.I won ´t participate in that Ameriplan group.I am also kind of people who really want to start with free membership or sign up or whatever.And also I have some language problems to be happy to stay on the phone line.Anyway,thank you for your website 🙂

    • Hey May,

      I’m happy I was able to help you make a decision regarding this company. Ameriplan isn’t bad. But it’s not necessarily right for everyone. Fortunately there are other options out there to explore.

  4. The company is a scam and has scammed my son who was sold a good line to work there. However I will have the so called office located on Eastern in Las Vegas closed in a short few days. Watch me. You robbed my son out of his personal information and you did not pay him and he is under age.

    • Umm,

      Ameriplan pays by commission so I’m not sure how your son was able to join. Are you sure this is the right company?
      And I believe you have to be 18. Maybe a rep recruited your son? But you should find out who the rep was, how your sound found them and speak to them about this. Keep us posted.

  5. STAY AWAY FROM AMERIPLAN !!!!! It sounds like a real good deal as a client, but as an IBO … NO GO !!! ( If it sounds too good to be true,,,,,) They do not keep their word. They will tell you one thing to get up to sign up, then the office says different. I was just SCREWED out of $40 because the Lady who convinced me to sign up LIED !!! ………..

    KATHLEEN FIMOGNARI … – personal info removed by admin – You are a liar. AmeriPlan has stolen $40 of my tuition money. You swore to me a 30 day money back guarantee. You KNEW I would end up screwed in the long run. HOW DARE YOU TELL ME THAT YOU ARE DISSAPOINTED WITH ME !!!!!!!!!! At least I am true to my word. I promise you this, I will tell the world, in every way I can, what your true colors are. Disappointed in me ??? How do you look at yourself in the mirror daily knowing what you do to people???

    • Hey Tamara,

      You sound pissed. I’m sorry to hear you were mislead by this rep. Please keep in mind that like in every situation you’ll always find some bad people. But just because you run into one bad person, it doesn’t mean the whole human race is bad now does it? The same applies for this company. Just because one rep wasn’t honest with you doesn’t necessarily mean the whole company is like that. So keep that in mind. I get you want to be vent and I’m happy to let you do so.

      I’m not a rep of Ameriplan but it always troubles me when people are quick to make blanket comments because of one bad experience. It’s like the folks that run around claiming every work at home opportunity is a scam because of their one bad experience. In any event, I hope this rep does right by you.

  6. if , legally, ameriplan is considered insurance and licensed as such, nowhere in the united states it cannot hire salespeople who are not licensed to sell insurance in that particular state. it’s illegal, and its recruiters should not be promising this.

  7. I have been with AmeriPlan for over a month now and so far I have not made one dime. And I am trying to decide if this is for me. Yes I did the scripts and put in the ads and I even purchased couple of domain names. I was thought for sure I would have made something. Eddie may I ask you why you stopped doing AmeriPlan?

    • Hey Sandra,

      Giving a business a month is really a drop in the bucket. It can literally take months before you earn your first dime. It’s not like a job where the amount of time and effort will translate into income right away.

      So you have to keep that in mind about any business. I don’t think think what you’re experiencing is unique to Ameriplan. It’s just the way any business is when you’re first starting out.

      That’s why I’m always recommending people start business on passions they have. Because you’re less inclined to give up when you don’t see the sales because you’re working on a business you already have a love for.

      In terms of why I left Ameriplan, it’s part of the complaints I listed in the article above. The biggest was not being a phone person which seemed to be the only way people were succeeding. So that didn’t work for me. The other reason is I’m not passionate about the product or business itself. I’m all for helping people but not in the capacity that Ameriplan offers.

      That all said, I don’t think it’s a bad company. It’s just not right for me. And why I stuck with my free recommendation. Ultimately though it’s going to take time to see money with any business. A month is nothing in the grand scheme of things. But again, it’s harder to suck that up if you’re not passionate about the company or business.

      Either way, I hope this helps.

      Eddy with a Y not ie. LOL

    • Hi Sandra,
      Just like Eddie said, with any business you start one month is really nothing to get it off the ground. While there are some people that come in and really knock the ball out of the park, not everyone will see the same success in the same amount of time. It isn’t because the opportunity doesn’t work it is just that we all bring different experiences, fears, coachability, conviction, drive, etc. to the table. The first few months in the business (and for some longer) is really a learning curve period, you are learning about the company, the plans, how to talk to prospects, how to overcome your own personal obstacles, and so on. I recommend you take a good hard look at yourself and your business and ask yourself WHY did you join in the first place? WHY do you want to build up a monthly residual, passive income? For me, I was a new mom when I joined (6 years ago) and I was driven by the reality of having to maybe put her in daycare and choose a paycheck over my child So, my point have to first have the commitment within yourself…commit to YOU and stick with yourself if you want it bad enough!!
      I have also been able to support my (now 2) children as a single mom and leave an unhealthy and unacceptable marriage…AmeriPlan truly changed my life..but trust me I worked my tail off to get where I am..but will be forever grateful!!! Jayme

  8. I don’t think it is a scam, per se, but I will say that it was NOT a good opportunity for me. The only “support” you will get comes from recruiting and signing up other IBOs. It somewhat bothered me that I am supposed to use “sizzle scripts” to tell prospects what a “blessing” Ameriplan is and how much money can be made when I am not making any money because I am spending my time on prospect leads. And as far as those leads, emailing them poorly written canned emails is not impressive.

    I personally think the health programs are good for those who are uninsured or underinsured, which is why I signed on. However, there is incessant pressure from your upline to recruit more, buy leads, get into lead co-ops, etc, and never-ending “training calls” (which are repetitive and more “rah-rah” sessions than actual training). When you do have time to market the health plans, you then have to buy brochures and marketing materials (which are not cheap and shipping is way overpriced). My area of interest was in marketing to small businesses who can’t afford traditional health care coverage for their employees and was getting a reasonably good response. I signed up one business with 18 employees and another with 9, as well as having a couple of other businesses schedule presentations, one with 30 employees. Now as to why I left. I get a call from one of the business owners and he is telling me that he received a call from corporate stating that someone else would be handling his business, as I am not “group certified”. Well, per the RSD, that policy of being group certified had been off the table for several years. However, apparently it IS still in the IBO Policy Manual, so either the RSD was wrong or corporate never updated their manual and the person processing these applications went by the manual. Either way, the business owner who notified me canceled and I immediately terminated my IBO. I am not sure if the other business continued or not.

    • Sherri,
      Thanks for sharing your experience with us. I agree it’s not the right opportunity for everyone. But clearly some folks are doing well and do make money with it.

      But some of the things you considered a con turned me off too. However I think if you can get past some of that stuff it’s good for some people.

      Thanks for sharing an objective and balanced opinion. It’s refreshing to see!

    • Thank you! Did you find some of the scripts and emails coming across as a bit, well, I guess that the word is “insincere”? I also thought there was a bit of too many and too often in the emails as well. And I do think that marketing the IBOs on job boards is borderlining on deceptive, because it isn’t really a job inasmuch a business opportunity. I especially found it a bit distasteful that emails would go out to prospects for “interviews” and the IBO would be represented as a “Corporate Recruiter” in the email campaign. To me, giving a person who may have been unemployed long-term “an interview” for something that is not a steady job is cruel, especially if the initial investment of getting a business started is not something they can afford. Now for someone looking to supplement income or doesn’t rely on AmeriPlan as sole income (at least in the beginning), I think AmeriPlan CAN work. If there had not been the confusion regarding whether or not I had to be “group-certified”, I actually feel I could have done well in the area I chose to focus on, especially being that so many people lost their coverage or found their options under the “Affordable” Care Act, unaffordable.

    • Honestly I don’t remember the marketing material. It was a long time ago when I was with Ameriplan. But I do remember the whole job board tactic.

      It’s not good because it recruits the wrong type of people. You can’t really have the employee mindset for Ameriplan or any home based business. So I don’t think it was a good way to recruit quality folks. But it was working for some folks.

      I agree with you in that Ameriplan or any home based business is a bad idea if your goal is a immediate money or to stop some financial bleeding. It’s rare for anyone to get a business thriving quickly. So anytime people ask me about the business opportunity I recommend as a way to solve some financial crisis, I let them know that this isn’t for them at the moment.

      But some reps will say anything to sign you up. I prefer to recruit people that I know will be a good fit and don’t need the business to produce income right away.

      In any event, thanks for chiming in again!

  9. I read many of the comments below and I’m disapointed and very suspsious about AmeriPlan. They charge fees based on your tier, charge for programs that wull help you improve your leads, terminate what looks like very tenure employees. This is worse that working for a company for many years and they tell you that your job has been replaced by an outsourcing company outside the US. This continues to give work at home jobs a bad name. I have not been able to find a legit work at home company yet that is not deceptive.

    • Hi, I just wanted to clarify that we do not have ANY fees that we pay out based on “tiers”. There is alot of information online that is just not valid, so I would consider your source when reviewing information on ANY company! I personally have been with AmeriPlan for five years and do very well but I do know it isn’t for everyone and that is OK! I am sorry to hear you have such a negative view on AmeriPlan even though you never were even involved with the company or the real people in it! Good luck in finding something that fits you better!

    • I was sent a link with a voicemail recording this morning explaining working for AmeriPlan. The voicemail indeed says individuals joining AmeriPlan as a benefits specialist pay a different fee per tier. A lower fee to receive 40% commission on plans sold and a much higher fee for 80% commissions. Although this also included benefits for oneself and family the company does tie your income opportunity to these monthly fees. I am currently reading various reviews before making a decision to join or pass this opportunity up. I also noticed they are not accredited by the BBB as indicated in the email I was sent by the person wishing to recruit me. This sounds like an awesome opportunity but the negative comments have definitely made me want to do some serious thinking and further research.

    • Hey Ginger,

      I’m glad you’re doing your research. There are definitely people making money with Ameriplan and it can be very profitable. But like every company it has it’s cons and complaints. So you’re right to do your due diligence. Unfortunately that may very difficult because so many of the reviews out there are clearly biased. But I think being here and reading this review and the comments we have listed will give you a truer picture.

      In terms of the BBB they do have an A+ rating here and no they’re not accredited but BBB ratings should be taken with a grain of salt for the reasons I listed in this article.

      Ultimately any business you join is going to require a lot of thought on your part because there is a lot of work that needs to be done. And honestly you won’t see profits right away. So you want to make sure you’re joining or starting a business you’re really passionate about not because someone recruited and you want to make money. When you do the latter you’re more inclined to give up when the going gets tough and it will. So to set yourself up for success, I always recommend that people build businesses around their passion and it can be totally done with the proper training support and tools.

      I hope this helps.

  10. … Do you have to be enrolled in the plan and pay a minimum fee of $50 a month to be employed with Ameriiplan or is that a scam that will take the money out of your bank account and never pay you.

  11. Ameriplan talked me into signing up as a contractor. After I received the info, I cancelled. In April, they charged me 20.00 for dental. In May, they charged me 50.00. When I complained, I was told I would not give a refund on the 50.00 since I did not cancel within the 30 days. They scammed me out of 50.00. Buyer be ware. Now I am contacting the BBB in Texas.

  12. Welcome to business 101. You need money to run it. How much would it be to run a McDonald’s or Subways franchise? Guess what it’s a zillion times more than what you would pay for a home based business like Ameriplan.

    Investments are part of running a business. And if that makes you feel uncomfortable then you shouldn’t be looking into a business. Focus on a job. Everyone isn’t meant to deal with the risk of running a business. That’s fine. Stay in your lane and focus on what you do feel comfortable with.

    Fees come with running a business, it’s normal. And you may not get that make money back. That’s normal too. That’s why it’s called business and not a job. Let it marinate.

  13. Is there any additional cost to run this home-based business besides the $50.00 monthly fee. Also, how long is it before you see any income coming in, as well as is there a set limit to cash in so to speak( e.x. $500 before you can receive a paycheck). I need more details about this in  a truthful sense. Not that Oh  I worked  for  this home-business  for such amount of time. I am serious about starting my home-based business but there are so many scams out here!!!

  14. Jayme,
    You already know my personality and how I like telling it like it is. Folks need to have “real talk” because they’re either getting misinformation or delusional about what to expect from this industry. So any chance I get to clear that stuff up, I’m in there. lol

    I totally agree with your points. All we can do is educate people and let them make the proper decisions for themselves.

    But I think a big part of the responsibility goes on the home business reps that recruit the people. They have to make it very clear upfront that if you have an employee mentality and 9-5 work ethic, you’re not going to succeed with our business. So it’s not worth joining our company. I think the problem is because so many reps get paid for recruiting people, they’re short sighted and just want that quick referral cash even if they know this person isn’t right for the business and will quit soon after. So I think that’s part of the problem as well. Not every rep for any company has the best interest of others in mind. So it’s important to find reps that keep it real with you. You’ll know if they do if they answer your hard questions and lay out the good and bad. Anytime someone just paints a sweet picture, I run for the hills. lol

  15. As I’ve said many times, because something requires a fee doesn’t make it a scam. People don’t seem to understand the difference between a business and a job. Any business will require an investment. After all can you start a McDonald’s without money? Obviously not, well a home business is the same deal except the costs are significantly lower than starting an offline business.

    And yes busting your ass is a requirement to make any business work and yes there is a chance that you won’t see a dime for your efforts or not relatively quickly. It’s a risk of running a business.

    That all being said, it’s good that you recognize that you’re not built for a business. Because not everyone is and that’s fine. Most people have employee mentalities and again that’s fine.

    I agree with you in that I don’t encourage anyone to give up their day jobs when trying to start a business. You have bills to pay and your business may take quite some time before it can do that for you. So work your business part time while you still collect checks from your job. Quitting your job before any real sustained and consistent success is crazy. But some people work better under pressure or can’t manage both. To each their own.

    But please let’s not perpetuate this lie that anything requiring a fee is a scam. Like any work at home opportunity do your research first before making any assumptions go or bad.

    Thanks for chiming in.

    • A scam like this isn’t a business or a job, it’s just a scam. If you could start a business for $50 a month then everyone would be running their own business and they wouldn’t be tethered to ameriplan. Why are you so desperate to convince the masses that ameriplan is so amazing? What’s in it for you?

    • I love how people call things scams and can’t explain why except they just feel it’s a scam. There are many HOME based businesses that don’t require a huge investment to start because they’re based at home. And no not everyone would start a business because most people aren’t cut out to be business owners because of the inherent risks and other aspects of running a business that scares most people away. So your argument is totally flawed.

      I’m not a member of Ameriplan so I have no financial gain with this company. Ameriplan like any company has flaws. And what we try to do on this blog is allow for both sides of the story to be shared about any company. We don’t just want to hear from people that are biased either way or folks that just run around calling everything a scam because they feel it’s their God given right to do so. But to each their own. If you benefit from doing so, then by all means.

  16. Thanks for sharing your fictitious breakdown. I’m sure some of the other brokers will chime in. How any business is promoted by reps will vary. Unfortunately some will be pushy sales people while others will take the approach of presenting you the information and allowing you to make an informed decision. The best sales people do the latter. But in any company you’ll have some greasy types that tarnish the image of a company. That’s just a fact across the board with all companies.

    The whole company making money so people on top earn the most. Welcome to the corporate america structure. That’s how all companies are set up. You think Steve Jobs was earning the same as his sales people? Hell no, it doesn’t make sense given his responsibility vs theirs. Now it can be argued that without the sales people a company doesn’t make money. I agree. But no major corporation works any other way. It’s all “pyramid” but not considered a scam in corporate america because there are real products and services being involved. So the argument that the folks at the bottom are making the folks at the top rich means little because damn near every company we buy from works like this. It doesn’t mean it’s right or wrong. But that’s just how it is.

    Thanks for chiming in though!

  17. You’re welcome LittleGem. I have to agree with you. People go into business as if it’s a job. It’s not. You’re not guaranteed anything in a business. You have to bust your ass to make it work and that involves a lot of unpaid hours initially. And you’re right, you have to invest money that you may not get back. It’s part of the risk.

    So I agree with you. I also blame some of the people that recruit others into their given businesses. Too often they paint a one sided sweet picture of what their business will be like. So people go into it blindly. Then later they find out that rep left out all the hard stuff. This obviously jades people and they want to blame someone so they wrath is usually taken out on the company that recruited them.

    If the recruiting reps are more upfront about what to expect then it would help avoid a lot of confusion and this type of backlash. So it’s definitely a multi-faceted issue.

    • Hey Eddy!   I alwasy love your straight to the point no bs attitude 🙂   I agree with you, that most people that want to “work at home” think it will be easy.   So they go out and join an “opportunity” with a “job” in mind.   They think if they work x amount of hours they will receive x amount of dollars.  And if they don’t recieve pay within a week or two they “failed”.   I always try to be upfront with people, whether they are interested in AmeriPlan or not, that when they are starting a business they need to commit to a good year, if they are just going to “try” it they might as well quit or not join!   What a home business can give an individual doesn’t even compare to job (time freedom, financial freedom, boss free, debt free, fullfillment, etc), but it has to worth it to that person to fight for it!  

      I feel there are alot of legitimate home businesses that are very low to start and that can truly bring in a significant amount of income over time.   To pay less than $100 to start a business is really nothing in comparison of what  a restaurant or a Subway franchise costs!   Most home business and Network Marketing opportunities are backed by a very large company that helps cut your costs as well!

  18. That’s part of doing business. There are costs involved where you may not see a return on your investment right away or at all. That’s the risk you take when you decided to go into a business. If that is something that makes you uncomfortable, then running a business isn’t a good option. You should focus on a job and that’s fine too.

    And look not everyone is going to make 6 figures running their business. There are always going to be a small percentage of people that do better than others. Every company is like that. At the end of the day, it’s great you found a company that works for you. That’s the key. But because you can’t make it work with a given company doesn’t imply it’s bad. It may just mean that you were bad at it. So it’s a matter of finding what you’re good at. Everyone has to take responsibility for their own success and failures in life.

    • Thank you, Eddy!   Being in business for a long time, both brick and mortar stores and online, including some MLM types, people are just not realistic when it comes to business.   You really have to spend money to make money.   It IS the cost of business.   Sometimes its a lot, sometimes a little.   The common denominator with all of it is that you have to work consistantly, and usually ALOT upfront.   Good luck finding any business where there is no investment of money.. or time.   Everything is not for everybody, myself included.

  19. I worked for Ameriplan as an IBO last year. I quit because it was overwhelming and time consuming. You have to post ads, and chase down prospects. A lot of the things that ans IBO can use to advertise was not free. There is a charge once you run out of what is given to you in the initial packet. I was spending money that I was not making trying to advertise myself. You have to get on the phone with prospects and speak with them with the help of scripts that didn’t really work. It was too much. Ameriplan has been out for a while with only a few people making 6 figures. I am with a company no that will give me the opportunity to make 6 figures within a year or two.

    • I am sorry to hear you quit Kelly and I do truly wish you the best in your new venture!   I have been with AmeriPlan for 4.5 years and never chase down prospects.  I never spent any of my own money on advertising, it was always reinvested. When I talk to people it is because they CALL ME!   I am able to generate  lots of high quality leads through the marketing system we have on the freedom at home team and those that are interested CALL or  EMAIL ME!   I don’t do presentations,  all of my information is through overview calls and in the emails provided.

       I know people think the grass is “greener” when they are promised to make “six figures in 6 months” with another company, but there is still work involved, you still have to generate prospects. I am not saying you should stay with AmeriPlan of course, but I see so many people company and opportunity hop that they never really go anywhere, they  just follow  what people tell them is the “next best thing”

       AmeriPlan has alot of people making six figures and multiple six figures and I know alot of them personally. I know people talk about me from other companies…  that I “only make x amount” but I feel very blessed to be making over $50,000 a year with AmeriPlan working part time as a stay at home mom and to be able to  drive a brand new  Cadillac paid for by AmeriPlan.

      Again best of luck to you!

      Jayme Boyles
      JBoyles@ameriplan:disqus  .net

    • Congrats on describing running a business. If you want a paycheck just for showing up get a job. Time consuming? Having to speak with customers? Paying for ads? That’s called running a business.

  20. I am also reading these comments in order to get more info on this company. I’m sure that was frustrating Debbie, as I was in real estate and my brokers would hold those “get rich” meetings where everyone would stand to their feet and yell and pretty much act like idiots, but I did want to maybe try to help you understand how these plans can actually help people, as before real estate I too worked at a hospital in insurance billing. Discount plans are beneficial to those who otherwise cannot afford or do not qualify because of medical reasons for medical insurance. They can also be used as a secondary to your own private insurance for those with high deductibles (like myself and many others).   Should people replace their current insurance coverage with it? Probably not a good idea. With the number of folks who are unemployed, this sometimes is the only viable solution for them to have some type of coverage when they also do not qualify for state insurance (such as Medicaid). I’m not sure if this is something I want to do now that I have read Eddy’s review because I don’t like being on the phone either and I too am looking for more of an internet based business. Thanks for your help Eddy!

  21. Well, I just received a call from Ms. Rappa today and I’m excited to start. But after reviewing comments about the company, I have my doubts. I am looking for an at home business but cannot afford to pay to do so..Any suggestions

    • Hi,

      Most home business require an investment of money. By definition that’s why they are a business and not a job. So you might want to focus on a job if you don’t have funds to invest in a home based business.
      We list new ones daily here:

      Not everyone is meant to run a business and that’s okay.

    • Just wanted to add my 2 cents…Maria is my enroller and I have been with the company for 4 1/2 years.   She is an awesome leader and you will be in good hands if you do join with her 🙂   And like Eddy said, it is a business so there is an initial investment to get started, luckily you can get started with AmeriPlan for under $70!

    • They are asking for $169.95 to start and $150.00 per month to stay in. That’s over $2000.00 for the year.

    • And if this was a LEGITIMATE COMPANY, you would NOT be paying the company to start working for them!! This is just another scam. There are lots of listings of complaints against this company for charging when they shouldn’t and new employees being forced to put more and more money into this money pit. If it sounds too good to be true people, then IT IS!!!

    • Sigh… I hate when people make that blanket comment about an opportunity! If you pay doesn’t make it a scam. There is a difference between a business opportunity and a job.

      You couldn’t just start a Mc Donald’s without investing tons of money. Well a home based business is the same but the cost is significantly less.

      A job you shouldn’t have to pay for.. Let’s stop with the blanket statements. Ameriplan may not be right for you for a number of reasons. But to call it a scam because you’re expected to make an investment as a business owner is totally off base.

  22. Well said Robbie! These days it’s so hard to believe anything! I worked at a place for 14 years and I got that “no cause termination” as well. In so many words, they made my position exempt, and said they couldn’t afford me anymore! Been out of work three months. When you work so hard, for so many years, then something like that happens, you just don’t know who to trust. Take care.  

    • I think that’s what the problem is. People are trusting companies to do the right thing by them. Companies are about the bottom line. They could care less about you, it’s nothing personal but more business than anything.

      So with that in mind you always have to look out for yourself. You can’t depend on a company to always do the right thing by you. But you can depend on yourself and make decisions that put you in a position of power instead of a company.

      This applies to Ameriplan or if you’re an employee at a company. Companies don’t feel like they owe you jack diddly regardless of how many good years you have given them.

      So take matters into your own hands. Start your own business! That way the buck starts and ends with you. Complaining and blaming the companies that have wrong us doesn’t help improve our situations. Taking action and focusing on what we can control does.

      That’s just my two cents.

  23. Thanks for sharing your experience. Unfortunately not every Rep is going to represent their company the way they are suppose to. Some will use tactics that the company may not necessarily endorse, appreciate or are even aware of.

    Let’s take your own family for instance, there are probably certain family members that act a little wild or in appropriate. If someone was to meet that family member would it really be fair to judge your whole family based on that one person and experience?

    So that’s something to think about it. There are always bad apples in the bunch of any group of people.

    Either way I appreciate that you shared this.

  24. iIlove reading these comments from all the high powered business men and women who can not SPELL!! The word is vulture NOT vulchers, unless you habitually spell phonetically??

  25. I have been researching AmeriPlan also.  I have not yet had my first ‘phone interview’.  Here’s the scoop.  I came across this opportunity from , read the information on AmeriPlan’s website.  I requested an interview, and the best time to contact me was early morning.  I received an email ( computer generated?) that I would be called within 1-2 days.  That was one week ago today.  Friday evening (Good Friday), as I was on my way to church for Good Friday evening services, I received a phone call, and I basically explained that it was ‘Good Friday’, to which the representative on the phone seemed confused by what I said.  Finally I said.. “Its Good Friday, you know, Sunday is Easter”, to which she said ” I know that”.  LOL  OK, now instead of apologizing for calling me at a bad time, she went on about  (7:40pm) having the interview. Again, I told her I couldn’t do it ‘right now’, I also reminded her that I had also stated in my information, that the best time to call was early mornings.  She then said “We have had a huge response to our ads, and people are jumping in to sign up, that’s why we are running behind, but you can call me back if you decide this is what you want to do.  … WHAT?  okay, I asked her what time they started taking calls, and she said 8:00am.  So, I told her I would call her Monday morning.  I then received an email from her on Saturday afternoon… didn’t confirm or deny our conversation, just basically a link to their web site, then this morning I noticed an email from her sent at approx 3am, again with a link to their website.  So, this morning at approx 8:45am I called her, left a voice mail, and then around 10:45, I hit ‘reply’ to one of her emails, confirming our conversation from Friday evening, and my voice mail at 8:45am today.  I wonder when she will call back.  Probably tomorrow afternoon, as I’m at church participating in a Grief Share Group.  

    • Hi Jo, thanks for your comments. I feel that they are honest and sincere. I’ve read through all of the post, It appears that on this site there are comments posted of personal experiences +  1-2 people who are cheerleaders for Ameriplan.   I’ve worked as a healthcare professional for 24 years. I’ve worked with indigent clients who cannot afford insurance and sit for hours at the county hospitals and clinics to get an opportunity to see a physician.   What I absolutely cannot tolerate is a pyramid scheme that takes advantage of people of lower socioeconomic sector.   My PERSONAL experience: My sister invited me to an Ameriplan “training”.   She had asked me to attend the meeting with her which was her 3rd.   When I inquired about the company or what it was involved she was very limited on what she would tell me. This was my FIRST FLAG.   I asked of the name of the company and she gave another nameSuccession Group then Ameriplan.   SECOND FLAG.   She was extremely vague.   I had told her that I was looking to make extra income but was going in very skeptical because as our mother and father had taught us anything that appears and sounds “too good to be true” usually is too good to be true. We went to the meeting tonight 4/17 in Ft.Worth,TX. She was wisked away to her “3rd training” and I was left in a room of “first time visitors” which I soon realized we were “the new hires”.   The speaker began reading our names and what we did for a living.   Over 85% of the people in the room were unemployed and were looking “to become rich”.   The speaker focued on how rich he was which he repeated at least 20-30 times during his lecture.   He said at the onset he encouraged open dialouge however whenever someone had a question he appeared extremely agitated. One gentleman asked him about 20 minutes into his long story about coming from rags to riches and the receptionist who purchased a car last Saturday with her first check – just what was involved, “are we selling anything”.   The speaker lied stating “nothing at all”. he continued to ask the same thing over how many want to be rich and show of hands etc.   The gentleman again asked could you tell us what exactly is involved.   The speaker told him he had to be patient and suggested he leave if he could not and the man became angry and left. As he descriged this excellent insruance covering everything from dental to plastic surgery, cancer and acceptance of precondition illness’ I asked is this an “insurance” certified under the state of texas insurance commision or a beneft /discount card/plan?   His face became red and he spoke rapidly as he rushed his words saying something to the effect that it was the same benefits as your major insurance but no it’s not an insurance.   So in essence it’s a discount card that you pay monthly membership fee is what I can best understand.   Then the clipboards with the agreements were handed out and explained basically to sign this if you want to become rich.   Many people hurried and signed but I held mine and a wanted to read the service agreement on the back which NO one did nor did he offer to go over. He hurried and began to give away round trip airflights and hotel accommodation drawings which everyone in the room including myself received.   He said these were for anywhere in the USA at any time, any date or any place.   When you read the certificate it has multiple limitations and only 4 places you can visit which are Los Angeles CA, Orlando FL, New Orleans LA, Las Vegas and Reno NV. I walked way not feeling comfortable with the presentation. My sister who is sold on this “get rich quick idea” was somewhat angry that I did not jump on the bandwagon.   As we were leaving she made the statement that in her training they keep telling them that there will be people who are so “suckered into paying $3,000 deductibles that they will try and discourage you, but just keep brining in more folks and you will reap the rewards”.for her sake, I pray that is true.   This is a woman who has worked hard all her life, was laid off and lost her husband to cancer and looking toward her future.One of the things I’ve taken pride is being an advocate for others and my personal morals and ethics when it comes to helping others.   Do I really want to encourage folks who have to decide to pay their light bill or get their medications to pay $19.99 0 $150.00 month depending on their “bundle” and they are NOT getting dental and medical insurance but a discount card?

    •  Hi there,

      Sorry to hear of your experience.   I have always heard great things about the meetings but as Eddy said not everyone presents an opportunity in the same way nor are they always upfront about everything.   I know I am always upfront with my prospects about exactly what it is we do and that is basically helping people save money on their Medical or Dental needs (and yes the savings are very good) or we help others start their own home business with AmeriPlan.

      If your sister is truly wanting a positive change in her life, trust me it can happen with AmeriPlan. I have been with the company for four years and have built my business to a full time residual income in four years as a stay at home mom.   It might not be a business for you but I truly hope she succeeds! 🙂

    • thanks, that’s just what I thought. I was recruited by someone I definitely did not know but appeared to be legit. I asked her how long she had been with the company, she stated 1 month (not long enough) Then she went on to say the costs were $50-$150/month depending on the tier. A month, are you serious? I don’t have that kind of money being on a fixed income. Then I asked her and told her it sounded like a pyramid scheme, in which she told me she had no idea what that was. I explained it to her as much as I could and the told her to research the term on Google. I implored this woman not to quit her job before she really found out what Ameriplan was all about. I have been researching other online opportunities and tell them as I told her, if it requires me to pay money up front, don’t go any further in the presentation. I am basically looking to work online legitimately, not so much as to own my own business, to supplement my SS. income. I have no intention having paying those kind of fees monthly and then busting my butt. I know every company has complaints and the ones I’ve researched including this one is no exception. I just know that this one is not for me. Good luck everybody and God bless.

  26. I am not sure how you could call a 20 year old Company a scam.   I personally have a very large member base and they do keep the plans and use them and save money.   I have been with AmeriPlan for four years and have only experienced a true honest company that is always offering new incentives and ways to help their representatives grow their business.
    The government doesn’t “pay you back” what you spend on your business but rather allows you to have home office tax deductions.   You are able to deduct your investment, overhead, internet, of your taxable income   (I am not a tax professional of course).   I would advise you to seek professional tax advice about your deductions.

    •  You have that right.   I’ve been with Ameriplan for several years and have experienced only good and I plan to stay right here.   I’ve also used the programs   and saved money.   Love it Love it!!!!

  27. Hi,

    My name keeps coming up because I run this site. So I try to make it a habit of responding and chiming in when possible.

    I’ve been an active work at home seeker and researcher since 2000 and actually a little before that. I was merely a man looking to find a way to make money at home legitimately. I got scammed, and decided I didn’t want anyone else going through this and started my sites.

    So my knowledge is based on real world experience. I don’t just write about this stuff, I actually live it. I make a full time living running this site. So that’s where my experience comes from.

    If you read my other material, you’ll get a better feel of what I do and how I have helped others:

  28. Eddy-I was researching AmeriPlan with my son that is considering joining AmeriPlan-I see your name &  remarks numerous times offering advice/answering questions, etc., and I got real curious about something: Exactly what is your background or what are your qualifications to offer the advice you extend to others? I’m not questioning you or your integrity at all, just kinda of curious. I used to do pretty much the same thing (not on the internet, but face to face) in a completely different line of work altogether. I spent 27 years in that  industry & had reached the talked about “glass ceiling.” I had an excellent reputation & ended up being sought after for advice by some of the largest employers in the area in  my particular industry. I have always had the utmost respect for people that have gained a vast knowledge simply by working their butt off & ending up being sought after for advice/direction from their peers. It is a  very rewarding feeling to know you may have offered positive influence to another individual. You know they say:  “Success is to  know even one life has  breathed easier because you lived.”  

  29. Cyndi – I don’t understand your complaint – Ameriplan offers you a discounted price. but you’re saying that it cost you more with the discount than it would cost  if you paid  the regular price ?
    Please excuse me if that makes no sense to me at all !! That’s almost like saying the regular price is $6.00 but with a discount, the price is $7.00 – Duh !! By the way, what is a “tax income ?” I am familiar with an “income tax” but I’ve not heard of a “tax income.”

  30. I worked with Ameriplan USA and lost alot of money because you pay 50.00 a month and buy all supplies in order to  sign people up for it.But every time someone would sign up they would drop it after the first time they used it and when i used mine i could see why my drug store even told me it was just a scam because It was going to cost more to use it then just pay out right for it.And they say you can get your money back on your tax income sorry but thats a lie they said i could get nothing back …Sorry but It is a SCAM…

    • I don’t have as much experience as most of the people here, I only used my RX card once, but I did save $22. Many pharmacists are not friendly about discount cards. I had one before Ameriplan and the pharmacist argued with me about running it. He eventually did and I got almost half off my prescriptions. Because the pharmacist is arrogant doesn’t make it a scam. I do save $30 a month on my T Mobile bill which was a nice surprise! I didn’t even know that when I joined. And my friend paid $15 for her dental plan, and saved $490 on her root canal. I think that is more than worth the $15. And my CPA told me I could expect $1500-$3000 extra on my tax return based on my income vs deductions and credits. She also told me I could deduct about 20% of my utilities and rent because I use 1 room in a 5 room house for my office. She is a certified professional so I ‘m not sure who you spoke with….sorry they misinformed you.

    • in your case, you willingly paid and got what you bought. if people exercise caution, ameriplan will confine itself as to what is realistic. not a scam.

  31. Hello Everyone,

    Today I sat in on one of the “recruitment conference calls” with a (Sally) who was the presenter and spoke literally a mile a minute on the call I smartphone app recorded her saying your residuals can be willed and paid for as long as the client doesn’t cancel.. Now I am learning how the company circumvents paying the residuals from their “90% retention rate” is by firing people and having it written into a contract they can “terminate you with no cause” so all your hard earned residual money is gone. SCAM if I EVER HEARD OF ONE. As some of the former IBO have a class action lawsuit because of this clear lie and deception.

    I actually thought hard about coughing up the $169.00 to start but thought better of it and glad I did my due diligence.


    • Howard – I don’t know what state you’re talking about when you say they were fired without notice. If you are talking about the state of Texas, the complaint is invalid because Texas is an “at will state.” What that means is simply this: In the state of Texas, when an employer hires an employee, the employer or the employee can terminate the  employment at any time (at will)  with or without reason.
      ( The reason can be a good reason for either, a bad reason for either, or, neither one requires a reason.) If you are currently employed in Texas, you could tell your employer tomorrow that you quit & you are not required to offer a reason or excuse, and the same goes for the employer. That doesn’t make you a bad risk as an employee for a future company, nor does it mean your former employer is a scam or a crook. It just happens to be a matter of “law” in the state of Texas & it has been tried many times in court and the employer has always retained the right of terminating an employee “at the will of the employer..” Nor can the former employer take you to court & require you to justify why you quit. What goes around, can also come around.

    • I can understand how these figures would scare you, terminating all of these people with no “good reason”. I learned of this way before I joined Ameriplan, and I also steered clear of it. Until I came to Eddy’s site, and read his honest opinion of it. Not for him, but not a scam. Then I did more research…..any company that has been around for 20 years and has an A rating with the BBB without being a member of it….just saying. But anyway, those people were “terminated” because of unethical practices. I am proud to say the company I work with has such a high ethical standard that they would be willing to let go thousands of dollars of their own revenue to get rid of the garbage. Think about it, you were about to pay $150…all of those people who were let go, were paying every month too. Do you think they would have willingly given up that income had they not had a good reason? And don’t say they saved in residuals because our residuals are only a percentage of what is paid, so the actual payments from these people are a lot higher. Doesn’t that make sense? Maybe not, all I know is I am a mother of 2 small kids, and I was so sick of working my behind off, barely paying the bills, struggling thru college, and never seeing my kids. Now, only 6 months later, I am a work at home mom, I never miss any of my kids events, and I have people emailing and calling me regularly thanking me for saving them so much money or changing their lives. I am not wealthy by any means, I still have to rent my home for probably another 2 years before I am out of debt. But I have replaced my income and I see a light at the end of the tunnel. Most importantly, I see my kids. I raise my kids, not someone else. I read their bedtime story, and tuck them in. Not a babysitter. I agree the opportunity is not right for everyone, I completely agreee with that! But I bet your favorite restaurant has had it’s share of complaints, and you still eat there. If you talked to those people who complained on the restaurant, they would tell you it’s the most awful place in the world LOL.

  32. Hello Everyone,
    I wanted to share a “behind the scenes” utube click of AmeriPlan’s first Cadillac Club winners. (hope that is ok Eddy 😉   The video shows the corporate office, staff, and some freedom at home team members cruising in their caddy.   I hope it helps anyone looking at the AmeriPlan opportunity to know that we are real, the people at corporate are real, and we have a real – amazing opportunity!
    Have a great weekend

    • So I am trying to become apart of Ameriplan. The young lady that I am dealing with keeps sending me emails with no link on how to get started. I sent her another email explaining this to her and she resends me the intro email and tells me to ask for an interview. So confused and frustrated to were I am not for sure I want to do this anymore….Do I have to buy a plan to get started working?

    •  I just saw this comment, I apologize for the delayed response.   If you have her phone number I would call her, it seems a bit odd that you say you are ready but she doesn’t give you her enrollment link.   Hopefully you have already gotten started by the time you read this 😉

  33. Okay, I recently got an offer from Amerscam (Ameriplan) sorry had to be a little sarcastic, anyways it sounded awesome because I as a stay at home dad, could not work at a “REAL” job anymore due to the hectic schedule and going back to school, my wife being a nurse makes wayyy more money than me at the moment, so me and this lady were talking about the IBO option which I felt would be right for me to be the sales consultant or whatever they called it, anywhom it was an hour on the phone and she had me hooked with all the benefits and exciting opportunity to build a business with no boss up my a hole the whole time i work lol, so i did some research, come to find out they are no longer “accredited” by the BBB which they lied in the automated call i had to listen to before the so called interview which i did most the interviewing in lol, then i accessed the list of providers and come to find out none of them take Ameriplan nor do they take any discount plans for that fact, wanna know why? because the providers do not profit off this plan, they make no money, no denero! so no wonder they dont accept it, i wouldnt and i used to be a medical professional and worked with alot of doctors and they make alot of money, wanna know how? BECAUSE THEY TAKE INSURANCE NOT “DISCOUNT PLANS” if these doctors just took discount plans then theyd go out of business, only the crappy ones would take it just to get that extra advertisement, yea they get put on a list big whoop!, so to cut it short i emailed her back and stated in a very nice way that i was not interested and good luck on her recruitment, well later on she emailed me back trying to con me or bribe me to go forward with it by offering me a lousy $25 gift card if i signed up before sunday which was a few days away lol, wow! $25 dollars! holy crap i thought i’d be rich i could go buy me a happy meal!, lol well i declined respectfully and nicely, so she emailed back a few hours later and in the title is said “Spouse wont let you work at home?” and in the email it said something about a guy who didnt want his wife working at home and blah blah blah he made it big with ameriscam, well i took that as an insult because before my wife became a successful nurse making 40k+ a year just as an LVN, i was the one who paid for who school i was the one who made the big bucks, i was a very respectful firefighter paramedic, which said earlier the hours are hectic and for any of you who were are know of that kind of profession you can back me up, so i got mad yes because even though she works while i sit at home and care for our 4 year old son, “I” still manage the bills “I” still take care of everything and not only do i cook clean and take care of our son i am still the man of the house, my wife looks to me for advice and expects me to be the man of the house even though she works, so a little insulted? yes, maybe because this so called recruiter had told me she was divorced and needed income and she was happy with ameriplan, well lady i can see why your divorced because your husband could see your bs just like i did lol and you probably drawin child support off him too so thats a big plus, my wife puts you to shame lady because shes an independent woman who not only provides for our family but still she has the respect to still call me the man of the house, shes stronger than me and i respect all women like her, so take your poor divorced ass and scam someone else! and i will definitely warn everyone else and the job posting web site i found you on, scam scam scam. On the flipside i think aflac does work at home opportunities which i will check into that because its actually a well known company, but always do research and find out the details before signing up, and dont be bribed into it with gift cards or whatever crap theyre offering, any company you gotta pay for is a scam because your paying for their top dogs to stay wealthy while your busting your tail trying to sell benefits that do not exist.

    • This business definitely isn’t for everyone and that is a good thing!   I personally have been with AmeriPlan for four years and make more than I ever did working outside the home at a good paying job.   I am a mother and wife and it is too bad you felt the way you did about the woman you talked to about joining.   I started as a new business owner, as all new people do and built my business to truly be successful.   I believe that anyone that starts a home business and truly goes for their goals and dreams of financial freedom and of being their own boss should be praised, not made fun of, no matter what business they are in or if you are interested or not.   There are so many people struggling to make ends meet or relying on the government….praise should go to America’s entrepreneurs and small business owners, they are the backbone of America!!!

      This business structure is about giving everyone an opportunity to be successful, to bring everyone to the top, not keep them at the bottom like corporate America.   I suggest anyone who isn’t familiar with the true leverage of residual income and network marketing check out Robert Kiyosaki’s site:

      This company is REAL, the services are REAL.   Doctors and Dentists accept discount plans because they receive clients from our network of over 2 million for one, and for two, they already give discounts to insurance companies, then they have paperwork filing overhead and a waiting period to get paid.   They also receive benefits for being in our network for themselves and their staff.   Why would someone want to pay $1500 for a crown when they can join a dental plan and pay $550 with no waiting period!  

      I have many satisfied members and use the plan myself personally.   I personally love my members and they stay with me a long time, that says alot!   So in all due respect, I think before you bash a company and their service/product you should use it personally or speak to someone that has used it and has benefited from it 😉   I just spoke with a lady 2 days ago that save $35k on her hospital bill with our plan and was left with only $2,500 to pay on her husband’s bill.   That is not chump change !   On a personal note, my own mother has had AmeriPlan dental for 14 years (way before I was in business) and because she is on a disability, she only emergency coverage (extractions).   She has saved thousands of dollars on her dental work and I know it has truly helped her.

      I wish you all of the best in your search of finding something that fits you!

    • Doctors and Dentists definitely do not give discounts to insurance companies. They charge insurance companies more than they would a person because they know they can get away with it.  
      I will give a hypothetical example of a person with the plan. The plan obviously targets low income people. Now it is obvious this person cannot afford to pay for their own healthcare. Let’s put this hypothetical person on a regular dental insurance plan of $50 that covers everything. Now lets say Ameriplan offers 80% coverage at $20. Regardless of which plan this person is using they will have to pay in a fee. If they aren’t using the service then that money is just going to waste. Now say a person on Ameriplan Dental needs some sort of service that would be $1500 (to use your example) they would still have to pay quite a bit even though savings would be good. they will still end up paying $550 (your example) plus a $240 annual fee. That same person on the insurance plan would have a higher annual fee  of $600 but would pay none of the dental costs. With just one use a real insurance company sounds better.  
      On whatever type of plan you use if you don’t use the service you will be losing money. As I already said though this hypothetical person is very likely in the lower end of income distribution. Say they need some sort of procedure but can’t pay for the left over cost, then they lose the money that they have payed in for membership and do’t get their procedure. At least on an insurance plan they will get what they need. But over a long period of time if it is actually used insurance works out better. If you don’t have any plans on actually using it though then Ameriplan can be more cost efficient.

      That was all consumer side. As a “potential” seller myself I went to one of the recruiting meetings. There was a presentation where the guy went on for about an hour talking about nothing, and then finally got into what the product was. He worked harder trying to sell the product to us than trying to get us to want to sell it. It was obvious that they were going to make money for everyone who signed up. They pressed it too hard. They are so obviously concerned with their own profits and try to pretend that they were concerned with “our” profits. The only reason they would want us to be in it is so that they would be paid more.

      Now yeah this does seem to be a perfectly legitimate company. But it is nothing more than that. It is just another company concerned with getting the higher ups rich while all the rest do the work.

  34. No nothing is making $0.00 with your work at home efforts and that’s what a lot of people are earning with their efforts. So $120.00 is something. That’s gas money, groceries,dinner, an internet bill, etc. It’s definitely something. A business takes time to build up where it gets to the point where you can replace a job and pay all your bills. But $120 per month is nothing to sneeze at especially when it comes to this industry.

  35. Hello Everyone!   I just wanted to share some awesome information for those looking at the AmeriPlan opportunity.   There are some really great recent announcemtns.
    We have an amazing updated website with blog, you can go to:   🙂  

    Also, we now have a Cadillac Club, as well as additional bonus money available for new ibos!   The club requirements can be found here:

    Have a great week everyone!

  36. hello again. it’s Victoria Sanderson IBO 🙂 I just wanted to clear somethings up around here!! I have been w/AP for 8 weeks and have signed 8 people (not bad for a welder who has never done this line of work before!) ok let’s set the record straight..b/c I had a prospect ask me about this mess the other day and I didn’t know what to say, NOW I DO!
    1. It was NOT 900 it was 200-400
    2. If you had not put anything on the books in 18 months then…well..that’s just lazy. Another job wouldn’t have waited as long to fire you.. I promise!
    3. If you are unethically trying to do 2 jobs at the same time….then guess what? You’re going to get fired!!!
    4. Some of the people I have met have stressed to me how ashamed they are of the way you are behaving on here! Some of our NVP have even referenced you as a friend!
    5. If AP is so horrible why are some of the employees that were let go…..coming back?!?!?!

    God Bless you for telling what I guess you think is the truth,
    Victoria Sanderson
    Independent Business Owner
    Ameriplan Corporate

    P.S. I don’t mind anyone knowing my name up here….it’s a free country 🙂 God bless!

    • Victoria you are caught in your leaders trap…. so were we…..   I read you # 1 -5 and that is what the leaders are saying to you…..   first of all it was approx 900     not that 200 – 400 wouldn’t be wrong too.     WE WERE TERMINATED UNDER A “NO CAUSE TERMINATION”   THAT MEANS WE DID NOTHING WRONG….   NO CAUSE….. DO YOU GET THAT…..   THEY DIDN’T HAVE A REASON TO  TERMINATE US….   AGAIN “A NO CAUSE TERMINATION?”      When you make enough money and worked hard for many years like us you WILL BE TERMINATED TOO….    they don’t want to pay the residuals….   Most of us terminated wrote business up to the day we were let go…..   me and my team ONLY   worked Ameriplan….   but your leaders work several jobs under different names….   Janie has 3 businesses …..diff. names… so does Kelly Kristie ….   and your leaders are upset about this getting out cause its effecting business sign ups…….   MOST OF ALL….   THE BIGGEST LIE…… NO ONE WOULD OR HAS RETURNED TO AMERIPLAN…. WHY WOULD ANYONE RETURN AFTER WE BUILT A BUSINESS AND THEY STOLE OUR MONEY…     you would have to be a fool to believe this….           here is what you need to know…. 

      Anthonly Anderson won his law suit  for wrongful termination


    • @5ccd6cad3780dbd93a49c111982fcca8:disqus     I am SO glad to hear you are loving your business!!   Our commission is BETTER than ever right now, my income has literally tripled this year with the new 40% commission.   I wish you all the best in your business!   2012 will be an EPIC year!!!

  37. I don’t think it’s a scam but if I understood correctly the information I read (the pay grid), most people, it seemed, made less than 1,000 a year. Correct me if I’m wrong ANYBODY.

    I spent time within a three day period going over everything on their website reading almost all the information and viewing the few videos that worked, was in frequent contact with a woman by name of M Rappa, who was one of the recruiters, I decided not to purchase their website (with its monthly fees), which is necessary for being able to do what is required in order to work the business. Besides, I have no desire at this point in time to go back on the phones to do anything in the sales/customer service venue.

    • depends what you believe a scam is…..   can you make money yes….. but then they terminate you when they have to pay you a high residual …… ask 900 of us who where terminated under a NO CAUSE …I was there 5 years…   I think building a residual and building a business for a company then thaking it away from you  for NO CAUSE and keeping all your customers and ibos and just cutting you out when you did the work…..     IS A DEFINITE SCAM….   A PLAN FOR THE COMPANY.   Its been going on for years at AP

    • There is always a reason people get terminated (valid or not). Robbie, how much research have you done to truly back what you’re saying? If you were one that was let go, then you know why. Besides,  the news is reporting daily of major, “legitimate” corporations trimming the fat so they can  stay within their projections. Are they scams too?  

    • You’re wrong. Sorry but it’s true. I’ve only been with the company 8 weeks and I’m already making 120.00 a month and that’s with 2 people in on a promotion 🙂 sooo it’s a great company!! Some people just got busted moonlighting and getting greedy and they got caught!

    • No need to apologize or to be sorry if I’m wrong. No loss to me that I was wrong. If you read my comments you may have seen that I asked for anybody to correct me if I were wrong. I also implied that I may not have understood the information correctly, and that I didn’t think it was a scam.

      I have no idea of people getting busted for moonlighting as that was not included in any of the information that I found at their website.  

      Thank you for correcting my error because the main reason for the article was to gather any information that may benefit anyone who may have been considering this as an opportunity for them to get involved and make some money. Congratulations on your apparent success with Ameriplan and my sincere wishes for the best of success in the future.


    • Thank you, Eddy. As you know, I, along with (at the very least), 99.99% of us who visit workathomenoscams, very highly respect you, trust your judgment, and your very sage advice, and we are also VERY grateful for all that you do to bring us valid and trustworthy information on scams and legitimate opportunities. This is what it’s all about. You’re our own personal PI (private investigator), doing all the “leg-work,” all the investigations, then bringing back and sharing with us the pros and the cons of various opportunities. This gives us a   definite edge–not only saving us tons of time, but saving us much of our hard-earned money on SCAMS that, without your investigations, we were not aware of prior to your very thorough and diligent reports displayed here on this website. Once you provide the information you’ve gathered, then share with us here, we are empowered, as a result, should we chose to do so, to make informed, intelligent decisions–no muss, no fuss.
      I visited the Ameriplans website only after you’d investigated and reported on it becaus I TRUST you totally. As I said in my initial post, I felt that it was possible that I didn’t understand some of the information that was made available at the Ameriplans website. I thought that I’d made it plain that ANYBODY with personal knowledge and/or better understanding to feel free to correct me. Ameriplans was not for me, but I still wish the very best for anyone blessed to find success there.  

      As for you, Eddy:

      Thanks for all that YOU are doing DAILY to help those of us who will listen, then heed your advice, which allows us to keep more of our money in our own pockets and away from these predatory, greedy, scammers. I’ve lost thousands of dollars to scams and I’d never wish on anyone the heartache and losses I suffered as a result of “flying blind.”

  38. Xpress Healthcare has been a Godsend for me (former RSD) and a terminated ESD in my upline.   Not only do they NOT terminate you without cause, but we earn more in 3 months with Xpress the 2 and 5 years put in at Ameriplan!   Look up Team Gold Rush on google to find out more about us!

    • you only get paid as long as you are making less then you pay them for the membership…   once you are making a good residual they terminate you and take your residual money away.     I worked for them for 5 years…   900 of us were terminated for under a NO CAUSE termination… meaning for no reason…. they just didn’t want to pay any longer….. company is in trouble be smart..

    • When working with AmeriPlan, you get paid daily on commission (40-80%) for the applications you submitted the day before.   You also receive 20-40% (depending on which Level you start as a Representative) Residual Commission on a monthly basis.

  39. Bobbie is still around – spoke to her a couple of weeks ago. Not sure if she is still enrolling though.

  40. I think that’s definitely the case because I still see her on my facebook fanpage. Wish this system would have automatically kept the email subscriptions from the previous system. I really do believe that’s why we haven’t heard from the previous members that always chime in.

  41. Is BobbI Prim still in Ameriplan or is she still around.   I know she has a website but I dont see Ameriplan I really like her she is a great person!

    • Bobbi is still with AmeriPlan as far as I know, I like her alot too!   I don’t think she has subscribed to this blog since it has been updated, so she might not see your comment 🙂

  42. Wow…I have been with AmeriPlan for about nine months now and I absolutely love it. I have never seen so many negative comments about AmeriPlan before. It kinda makes me wonder if those comments were posted by the same person. If you are gonna criticize, be brave enough to show your face. Like others have said, AmeriPlan is not for everyone but it is definitely a legitimate opportunity to make money from home IF you don’t have a problem with being on the phone for at least 2 hours a day. This is something I really struggled with in the beginning because I was not a phone person at all but I knew that if I wanted it to work, I had to develop my phone skills so that’s what I did. The problem is that AmeriPlan is a business and MOST PEOPLE have no business being business owners. If you are not willing to commit to Personal Development, then you should never even think about building a home based business. As far as them letting 200 or 900 people go, I knew nothing about that so I can’t speak on it but all I know is that if they take my check after me busting my a** to build it…I’m taking a trip to Plano, TX…I’m just saying!! I am not a top producer yet but well on my way so I guess I’ll have to wait and see…until then…AmeriPlan is the best place to be if you would like to get paid well for HELPING OTHERS!!

    • Glad you are loving your biz Reese!!!   I have been with AmeriPlan for almost 4 years and am busier than ever…just keep going with passion and commitment and you will be a Top Producer!!   Good Luck to you, see you at the Top!!!
      And What
      an Extraordinary Feeling it is to Truly help people!!   I wanted to share this with everyone…I got a call from one of my Dental Clients yesterday telling me
      how much she loves her Plan and her AmeriPlan Dentist and thanking me
      for all I have done to help her…it was a tear jerker I tell ya! I was
      actually blown away by her savings for her extractions and partial, she
      was quoted over $6k… her insurance capped at $1k…after her insurance and AmeriPlan she only had
      to pay $480 for everything..LOVE THAT !!!

      Eddy…I have not been receiving any emails for blog posts…that is probably why no one is chiming in?   I know we are all still here, seems since you updated I get no email notices 🙂

      And just wanted to share…We have a VERY exciting new compensation plan!!   I hope I am not too winded Eddy…but it is detailed, hope you don’t mind 😉
      Here’s how it all breaks down: When
      you enroll someone to work with the company or someone into one of our
      benefit packages, you will receive either 20%, 30% or 40% daily upfront
      and monthly residual commissions depending on which level you are. – As a Level One Rep, you will receive 20% double upfront commission
      and monthly residual income on each piece of business you put on the
      books. The upfront commission will be between $6-$60 and the monthly
      residual will be between $3-$30 for the same membership you enrolled
      once.  – Level 1 (Platinum Plus) ~ $50.00/mo
      Includes Dental Plus, ID Securenet Plus, Savings on Dining Out,
      Automotive, Entertainment, Shopping and more.
      – As a Level Two Rep, you will receive 30% double upfront commission
      on each piece of business. The upfront commission will be between
      $9-$90 and the monthly residual will be between $5-$45 for the same
      membership you enrolled once.
      – Level 2 (Total Platinum) ~ $75.00/mo
      Includes Dental Plus, ID SecureNet Plus, Total Health, Savings on Dining Out,
      Automotive, Entertainment, Shopping and more.
      – As a Level Three Rep, you will receive 40% double upfront commission
      on each new piece of business. The upfront commission will be between
      $12-$120 and the monthly residual will be between $6-$60 for the same
      membership you enrolled once.
        – Level 3 (Platinum FreedomPass)~ $150/mo Includes Dental Plus, ID SecureNet Plus, Total Health, Savings on Dining Out, Automotive,
      Recreation, Shopping, Cruise, Car Rental, Condo & Resorts, Golf,
      Home & Garden, Hotel, Movies, Grocery Coupons, AmeriDoc,
      Telemedicine and so much more!

      Hope this helps anyone out there doing their research!Jayme

    • Jayme.,
      Thanks for chiming in. I was wondering what was happening to the supporters.
      We did update our commenting system. You can subscribe using the subscribe by email link towards the top of the comment box.

    • Well Reese we loved it too….. me for 5 years….. until they terminated 900 of us under a NO CAUSE SO THAT THEY NO LONGER HAVE TO PAY US….     once you have a high residual   YOU TOO WILL BE CANNED… they have been doing it for years….       you need to do your homework on this company….     read this:           these were all people who thought ameriplan was a great company…       NO CAUSE means you get terminated for NOTHING…..     they just don’t want to pay you…   sadly you will find out..     oh and people don’t post their names cause we are in the middle of a law suit….   we are advised not to.

    • I was with them 10 years. I had one of the biggest AmeriPlan organizations in my State. They terminated me for no cause, except that they wanted to steal my vested residual income and keep it for themselves. Dennis and Daniel Bloom are liars and crooks. Do yourself a favor and find an honest business so you won’t have to start over again like the 900 of us have to. If you don’t believe us, ask why almost all of the top 10 producers in the history of the company are gone. Ask how many full time employees they have in their home office. They used to have 240. Ask what they mean about lifetime residual income, and ask why the 900 of us who were promised lifetime residual income are not getting it any more. Then ask yourself, “How will I feel when they take it away from me?”

  43. I’m so glad I got out of this company, while I could. I was generating a lot of leads but due to a few personal issues, I stopped following up/contacting them. I got out because I believe in promoting a product that I like (I’m paying $50/month so I better use it!) But, I couldn’t find a single place in my area that accepted Ameriplan! And I do not live out in the boonies either! I live and work out of the greater Phoenix, AZ area, but I called my top 4 dental choices for braces and NONE even heard of Ameriplan. Yea, I couldn’t in good sell that anymore.

    I’m now working with Team BeachBody as a coach and I’m finding that really fun. I’ve been using the products for years and am very glad that they have a opp put together.

    • You could’ve referred the dental and doctor offices to Ameriplan and they might have become members and you would have had somewhere to go to use your benefits. Most dentists and doctors will accept Ameriplan.

    • I have noticed the supporters are very quiet of late. I don’t know if that’s because they feel that no matter what they argue the folks that got burned will over power anything they have to say. I don’t know I do find it weird that folks still with the company aren’t speaking up and they tended to be very vocal on this article before.

    • honestly it must be harder and harder to recruit and to promote a company that screwed so many people over and over for years… How do you stare people in the face on even on a call and defend these actions. (although many have) The active people I know arent doing much and DO NOT FEEL SAFE THERE… however they are tied into a residual check and can’t really leave.. Its only a matter of time…

    • I have noticed the supporters are very quiet of late. I don’t know if that’s because they feel that no matter what they argue the folks that got burned will over power anything they have to say. I don’t know I do find it weird that folks still with the company aren’t speaking up and they tended to be very vocal on this article before.

    • They are probably busy looking for another company or just working hard until the end comes who knows.   I am not knocking them though they are good people most of them especially Bobbi Prim I wish her all of the best.

    • I’d heard about Ameriplan some time ago, but just, very recently (this month) looked into the ins and outs of the opportunity a few weeks ago “” received a prompt E-mail reply from a courteous lady by the name of “M. Rappa” who immediately sent information as well as a link to the web site where there was old as well as sort of new information there. Many links and videos were out-dated and inaccessible, but I still got the gist of how the program supposedly worked; however, my income is limited so I decided not to participate because of the monthly fees associated with being an associate. Should I commit any kind of monthly fees to anyone, I must feel more confident in getting some kind of returns on my investment before I go broke trying to pay fees. Call me “Cheap” if you like, and I will not be offended. LOL!

    • I don’t think you’re cheap. Ameriplan is a business (maybe one that isn’t in the best spot light right now.) but with any business there is an inherent risk of not making money or even losing it. That’s not something everyone feels comfortable with which is why I tell people then you should focus on a job. So it’s not a matter of being cheap, it’s a matter of being honest with yourself and situation which is what you’re doing.

    • Not at all.   Just going to lunch with the kids, then back into my home office to help others who need to save money.

  44. The one question that you should ask when entering a home bus. is ….”how many high residuals can a company withstand without going under or having to terminate” answer is … not as many as they have after about 8 years. When a company offers really high residuals is a recipe for disaster down the road and will either start terminating high resid. people or closing or opening under another name in order to not pay the old people that worked hard or as we have seen keep raising enrollment fees. I could name many in 10 years that did this but I am interested in trashing others, just want you to think about this before getting into a bus.

    So when looking into a bus…. look for more money upfront, less expense to sign up and lower withstanding residuals that won’t bankrupt a bus. or is such a hit to you if they go under….

    High upfront pay and reasonable residuals along with no or low sign ups have higher volume of sign ups and stay longer due to little cost and more pay in your pocket up front… what you lose PER PERSON YOU GAIN ALOT IN VOLUME OF SIGNUPS…… making your income more and upfront and MOST IMPORTANT IN YOUR BANK ACCOUNT..

    When looking into business you need to remember….. there are 2 reasons you see them on the internet…
    1 – people recruiting and 2 – complaints… so look long standing companies that you don’t see alot on the internet… you will find that they offer you the contacts therefor you don’t see them on the internet recruiting and there are very little complaints therefore you don’t see them on the internet…

    After careful review… I do believe Procard has it right… Long standing, no fees, provide company leads, advertises for the reps, and good upfront pay and longstanding residuals that don’t bankrup the company. What does the other companies do for you….. do they advertise YOUR business ? no

    Remember, if a company is offering THE HIGHEST RESIDUALS… THEY WILL CLOSE OR TERMINATE EVENTUALLY…. the simple mathmatics don’t work…. you can’t bring in what is going out as the years go forward.

    Join who you want but think about all of this first….we often look for high comm. but its not withstanding… best to all of you !

    • Robbie, that was a well stated argument. You can tell it wasn’t motivated by emotions. It does seem to make some sense. It would be nice to hear from of the folks who are still with Ameriplan to chime in. Lately all I’ve been hearing from is disgruntle former brokers which makes sense considering the latest events. But the folks that are still on seem very quiet. Hope to hear their side.

    • well in full disclosure its not totally without emotion my girl was a terminated ibo after 5 years. And I helped her review over 30 businesses in business and out and articles looking for a good home bus … I am in the financial field and what I posted above are my findings … high residuals go out, rename or raise fees often … she is now with Procard and seems to be a very good choice…. I think she had her link here but its been removed.. there is much to consider other than the “highest paid comm”.. most important…. put the money in you hands upfront…

    • Eddy, I live in San Antonio, Tx., & considering joining AmeriPlan-I keep reading about 900 people that were laid off for “No Cause.” Can you tell if that occurred in the state of Texas? As you may or may not know, Texas is an “At Will State.” That simply means that when an employer in Texas  hires an employee, either of the two can terminate the employment arrangement at any time  without any  reason at all-could be a good reason, a bad reason, or for no reason at all. Any employee in Texas can go to work tomorow, tell the employer they quit & they are not required to give a reason or excuse-Same option applies to the employer also. The “at will” employment arrangement in Texas has gone to court many times & the employer has always retained the right to terminate without being required to offer the employee a reason for the termination – I can only guess that most employers have told former employees why they are being terminated, slow down in business, reduction in work force, corporate downsizing, poor performance, too many times being tardy to work, failure to pass a drug test, using alcohol on duty or coming etc. etc.

    • Hi,
      I have no idea. All I heard was that a few months ago a massive number of brokers were let go. I’m assuming some of those folks were from Texas. I’m also not an expert in Texas employment law so I can’t really confirm or deny what you’re saying.

      That being said the stuff regarding the justified or unjustified laying off of their brokers seems to have died down. Well at least here it has. Just continue to dig around and do your research. Balance out the pros and cons and feedback from both points of view. Then make a decision based on that.

    • AmeriPlan has a very high profit margin on dental plans. An insurance executive told me that he can buy dental discount plans like AmeriPlan wholesale for about $1 a month from dental plan companies, and the dental plan companies make money on the sales – enough money to prosper and thrive. Therefore, it has to cost AmeriPlan, as a dental plan company much less than $1 a month for the plans they sell for $19.95.

      AmeriPlan MAKES MONEY on the prescription plans, because HealthTrans pays them a commission each time someone fills a prescription with their card. Now that I am out of AmeriPlan, HealthTrans pays me a commission when people fill their prescriptions. Really. AmeriPlan was pocketing the commissions on the prescriptions. I’m not sure if the vision plan cost AmeriPlan anything to add, but I suspect it is only pennies a month if anything.

      Bottom line… When a company has a product that costs 50 to 75 cents, that generates a side income from prescription commissions, and sells it for $19.95, they’ve got a huge profit margin, even after paying commissions and overrides.

      In addition to that, they are not paying commissions or overrides any more to many of the people who put on millions of dollars of business, and they fired all the top earning corporate employees – except Cecil Mathis their lawyer. Of course they’re going to keep him. He’ll be their most important employee for the rest of their company’s life.

  45. yes I am one of them …. after working for 5 years they terminated hundreds that had built a good residual… doesn’t matter 200 or 900…. I would have NEVER expected this…none of us would… like the others on this site I believe in this company… over time they changed our contract… blocking us from our work sites UNTIL WE SIGNED IT…. yes unlegal of course, however they added in a NO CAUSE FOR TERMINATION… AND THATS WHAT THEY USED… obviously if they had a real reason they wouldn’t have to do it under a NO CAUSE…. the only thing we can guess is that after you build they don’t want to pay you…. to combat what the people on this site are saying. I had new business coming in monthly until the end…none of the things I have heard people say that are currently still working ameriplan has been the truth about us terminated ibo’s.. but even if that was the truth…. this company tells you that you are building a retirement WELL GUESS WHAT PEOPLE DON’T WORK ON RETIREMENT… so even if that was true and people weren’t still working therefore were terminated…. then that would be a scam… most of us thought we would retire on our residuals BECAUSE THAT IS WHAT THE COMPANY TOLD US. Be smart….. do not truest what the people making money on you tell you….. sure hope you listen or you will be spending years building a bus only to have it taken…

    • I am totally with you MSG! I “WAS” a National Sales Director with Ameriplan and was also terminated after 14 years! I trained that it was lifetime, residual income: assignable, willable, sellable and you can retire with lifetime income! Boy, were we sold out! Yes, I do know it was 900 and I also heard 400 more letters will be going out soon! For those that are left, they are hanging on for dear life! They have lost all their Nationals, what could their income be now? We were always running scared of even looking into anything else for fear of termination! It was like being in a Jewish concentration camp in Germany at the firing range! There was no rhyme or reason as to who was shot down. They even terminated a widow in Las Vegas. Her husband worked the business and then died of cancer. They shot her down! They were at every meeting and every National convention without fail on his retirement money! NOT FAIR! The Bloom’s should be ashamed of themselves! We were so faithful! I was dedicated to helping people have financial freedom and this is what I got for all my hard work and helping to sell the dream. I was good at it and loved Ameriplan and yes, shame on them!

  46. I know all of you posting here well…. and let me ask you Bobbi, Jayme etc… Is 200 terminated ibos OK? Whether its 5 or 500,000 … we all built a bus.. ME for 5 years,many top producers with good residuals were terminated UNDER A NO CAUSE TERMINATION THAT THEY SLIPPED INTO OUR CONTRACTS …. WAS NOT IN ORIGINAL CONTRACT WE SIGNED…. SO IF THEY ARE TERMINATING UNDER A NO CAUSE DON’T YOU THINK THATS A PROBLEM YOU BUILD A RESIDUAL…. you are not safe…. and you will see someday…. they have done this for years…. so soak up the money now but save….. You and I know you all know people that over the years have been terminated after building a residual for NO CAUSE….. you won’t admit this becuase it is effecting ameriplan business and yours. We have law suit started and just Like Anothy Anderson who won 5.5 million for wrongful termination we will win too.. and when the money gets tight they will start elimanating the rest of you. Stop lying to people ….. we all have to meet our makers in the end…..

  47. Hey All!!
    There really are LOTS of Rumors going around…It is unfortunate that ‘bad’ news and ‘gossip” travel so much faster than any ‘good’ news!! 90% of what you read out there about the terminations and ‘why’ they happened is not true. I can say firsthand…from my upline who was in direct contact with corporate when these events were taking place: The terminations were 200 and it was a VERY difficult decision for Ameriplan and the Bloom Brothers to make. The decisions were made based on the consistency of the RSD or above’s business for the past 18 months. Also: ALOT, (not all) of the ibos terminated were building other network marketing businesses and cross recruiting, which is cause for termination in itself. The vulchers will always be there, they are definitely all over these rumors now and creating their own it seems!!

    I can understand from a ‘business’ point of view why this happened. Major companies all over the U.S. are laying off thousands and thousands of people due to the economy…AmeriPlan had to let 200 go.

    I, personally, am busier than ever with AmeriPlan. People NEED affordable Dental and Medical and I am able to help people daily save money with our Programs and I am proud to offer AmeriPlan’s services!! It is a true service based opportunity than none other can compare too and AmeriPlan is definitely not going anywhere!!
    I am also extremely proud of our team and the Freedom at Home Team for standing strong during these times!!


    • BS Jayme we have well over 200 hundred contacted and I was one of them after working 5 years to build my business….. it is a scam in the fact that after you make alot of money they terminate as to not to pay your residuals…… DO NOT WORK FOR THIS COMPANY…. you can ask 900 of us and many more before us … they have been doing this for years

    • Did those major companies who laid people off promise them an income the rest of their lives?

      I believe that Ameriplan’s discount plans are still good and beneficial to those who need them. The way they treat their IBO’s, however, is shameful. It wasn’t just the fact that they terminated so many people – whether it be 100 or 1000, it was the WAY they did it that was despicable. If those terminated had some kind of notice, at least they could have prepared for the financial loss they suffered.

      I am no longer with Ameriplan, and I’m so glad I’m “out.” Nearly all my personal friends have quit. None of us wants to work with a company who treats their field staff the way they do.

      I’m glad for you Jayme, I truly am, that you are having continued success. I do hope, however, that you have Plan “B” in place. You are not safe either. Maybe not this week or this month, but it will happen again.

  48. Hi Jj!

    Yes there are TONS of rumors going around and it’s really a shame because that’s what most of them are … rumors. The fact of the matter is that 200 IBOs’ contracts (RSD and above) were terminated – I was NOT one of them, although even THAT rumor is going around – LOL! The fact of the matter is that these IBO’s have not brought any business into the company (personally) for the past 18 months or more – my enroller was one of them. Laura and Jayme (who also frequent this blog with helpful answers) are also still with the company 🙂

    Hope this helps! As always, if you have any questions, don’t hesitate to ask 🙂

    Have a Great Weekend!


    • That is simply NOT true. I personally know several terminated IBOs who HAD put business on the books. One was about a week prior to being terminated, a couple others the previous month or two.

      From what I’ve learned – from terminated IBOs, yes, all the terminated IBO’ businesses were down from previous years, but NOWHERE NEAR 18 months of NO business. Ameriplan was having to pay those terminated more than they were ADDING to the books each month, because they had worked hard and had good, or at least decent residual checks. That was the criteria.

      That 18 month BS is coming from those at the top to try to pacify those who remain and keep them motivated. It is a flat out lie. You didn’t start it Bobbi, but it appears you are perpetuating it.

    • Not to mention it doesn’t matter…. we were told that we would get paid our residual money forever and that this WAS a retirement…. WELL GUESS WHAT !!! YOU DON’T WORK WHEN YOU RETIRE…. so if we truly weren’t working then we still should get our residual that we earned….. THATS WHAT THEY SOLD US…. a bunch of BS….. the people posting here that are trying to recruit will someday be saying the same thing….. all of us terminated thought we would be there forever……



      I was terminated. I put on a number of pieces of business last year. I sold a health membership about a week before they terminated me. I built a team that put millions of dollars of annual business on the books for the Blooms. I was in the process of putting together an advertising campaign for selling memberships, and they knew it. I submitted my advertising material to the company a week before they terminated me. They approved my advertising on Thursday. Then on Monday they terminated me.

      It’s true that some of the people terminated were not producing business, but not all of them. They made millions off the business my team put on the books for them. Now they are making my part of the money too.


      Dennis and Daniel are 68 years old. They are proud of their rich lifestyle, and they’ll do anything – good or evil – to keep it. When their daughters worked for them a couple years ago, they took a lot of verbal abuse and quit. They don’t want to work for them any more. Now they don’t have anybody to take over the company, and it’s not worth much any more with all the lawsuits against it and the big class action lawsuit that is coming. They want to take all the money they can, exit at the most opportune time and retire rich while they are still young enough to do so.


      As a President’s Club NSD, I had been on the top producer trips, and I had gotten to know most of the NVPs and the top NSDs in the company personally. Almost all of them lost faith in the company and stopped believing Dennis and Daniel after the fateful announcement at Champion’s weekend a few years ago – I believe it was 2007.

      I used to go to all the Conventions and almost all of the other national events. I was there one night after one of the meetings when one of the corporate officers got a little drunk and began to spill the beans about some of the things the Blooms were doing. It confirmed all of my doubts and fears about my “Lifetime Residual Income” and their willingness to continue “Delivering on the Promise.”

      The AmeriPlan Titanic hit the iceberg at that meeting when Dennis and Daniel smugly announced that National Sales Directors would have to write $250 in new business every month in order to get paid the Builders Bonus overrides we had earned over the years. When they went back on the promise they were supposedly delivering on, many of us knew we were on a sinking ship.

      Just like the other Titanic, most people didn’t realize the ship was sinking after it hit the iceberg. Only a few knew the real peril. They were the people who were in a position to see and understand the actual damage that had been done. Things appeared normal on the ship for a while. Then, near the end, the ship began sinking rapidly. Watch the progression of events below (I’ve been in the company since the late ’90’s, so my downline and I saw it all happen):


      1. A few years ago, I believe it was around 2006, they created the “one piece of business rule” that we had to comply with, or they wouldn’t keep their promise of lifetime residual income.

      2. Then they upped the ante with the $250 a month personal business requirement for National Sales Directors (a little less for people with lower pin levels). We had to produce it every month or suffer their broken promise and lose our income.

      3. When they had a bona fide offer to buy the company for $80 million, they wanted $100 million.

      4. Mark Jarvis, the top income earner, left to found another company. Many of AmeriPlan’s top producers went with him.

      5. Then they fired all the Provider Service reps. It became very obvious at that point, that their goals were very short term. You can’t expand a dental plan company – or even maintain it – without people to service the providers. The owners were aging, and they had lost the opportunity to sell the company at a good price. They had no more long term goals. Only short term, so they didn’t need provider reps any more.

      6. During that period they also cut their employee base way down. The customer service department went down to a handful of people, and it became harder and harder to get anyone to answer the phone. Try it. Their customer service number is (469) 229-4501. See if anybody answers the phone or you just get voice mail. If by chance someone does answer the phone, see how long it takes to get them.

      7. Like a desperate fighter about to go down, they tried a lot of extra programs to bring in fast cash to the company. These schemes included the TOP bonus program, a second identity theft program and then the program that IBOs would pay $150 a month for. The first two programs failed. The third one will probably line their pockets with a little more cash for a while.

      8. Then last year they fired Jim Hardin, Mark Dixon, Julia Baker and Barry Friedman, their highest paid employees. They only highly paid person left is their lawyer, and they’re really going to need him now.

      9. A few months ago they found a way to terminate Dale Brooks, the remaining top income earner, and Mike McDonald, one of the top earners.

      10. After that came the “Valentine’s Day Massacre,” when they threw 900 of us under the bus. The letter was sent out on Valentine’s Day. It told us where to look in the Policies and Procedures Manual for the details:

      a. We were terminated for no cause, as the new Policies and Procedures allowed.
      b. We could not sue them, but would have to go to binding arbitration..
      c. We would have to put up $25,000 cash before we could go to arbitration with them.
      d. They could sue us if we would dare to recruit any AmeriPlan IBOs to another business.
      e. It was signed: “Cordially, Cecil Mathis,” their corporate attorney.

      Actually they gave us a lot of warning that we would be terminated. We could see by the progression of events that it would be our turn soon. And so it happened.


      IBOs pay $50 a month to $150 a month to AmeriPlan, depending on which program they want to be in. If you always make sure that your total residual income is less than the money you pay to AmeriPlan each month, you will probably be safe as long as AmeriPlan remains in business.

      The very safest position is to be paying AmeriPlan $150 per month and taking zero residual income. Of course, that’s probably not the reason you’re in the business, but it’s the safest path to take if you don’t want to get terminated like the rest of us.

      I hear that people are taking bets as to how long AmeriPlan will still be around. A number of former leaders don’t think it will go out of business before this years advertised Convention. A number of others think it might last a few months after Convention. For all we know, they could terminate everybody and try to keep it going until they die and go to Hell.

    • Well written! Here’s some additional news:
      I had a close friend who was with Ameriplan for 13 years. His residual was over $7,000 a month is all I will say. He didn’t personally enroll members or brokers direct to him in the last year or so, but passed the contact lead to his down line – to people who needed that one more member or one more broker. Very stand up guy. He went to all the conventions and had personal calls with the Blooms on a regular basis.
      We was terminated.

      Here’s a news flash – top producing brokers are STILL being terminated. Just wait and see.

      About a year ago I got a call from someone who worked at Ameriplan corporate warning me that once in awhile, the Bloom’s went into their computer room, flicked a switch, and all the members who enrolled through a brokers web site ( any broker) went directly to Corporate and NOT to the enrolling brokers web site. Rumor? Maybe. Easy to do though.

      When a company starts coming out with changes to an existing business model, i.e. $150 a month for a freaking “coupon store” ( or Freedom Pass as they call it) that anyone can get for free online, then you should know it’s the beginning of the end. Their fishing for ways to make more money.

      Ameriplan lost it’s roots that made their business plan viable. They started with a discount dental plan. They should have stayed in that niche market. I always thought that they should offer an ala carte choice anyway rather than package 4 “discounts” together, but what do I know?

      My dentist no longer accepts Ameriplan because he can’t afford to give the discounts on the fee schedule. The fees haven’t been revised since 2006 and they are too low according to 3 OTHER dentists I talked to. So dentists are dropping out of Ameriplan like flies right now as well.

      Ameriplan would do well to sell the Corporate head quarters and get a small building somewhere to reduce over head. And how much DOES it cost for them to MAIL out checks on a daily basis? That’s just stupid now days. Ever hear of direct deposit? Yikes. I give them maybe to the end of 2011….

  49. I’ve been hearing the same thing. Although I believe the number was exaggerated. Either way the reason behind the cancellations seem to be weak. But I’m trying to get more details from various sources before jumping to conclusions. However I’m going to find it very hard to swallow the justification of letting go so many people that have been with the company for years who have produced a lot of business directly or indirectly via their downline.

    Hopefully Bobbi or some of the other prominent AP brokers will chime in with the real deal.

  50. There seems like there is alot going on with ameriplan lately. I have heard a rumor that they cancelled over 900 IBO’s recently. I don’t think this is much in comparison to their broker numbers. However, does anyone know the reason why this was the case. I don’t believe this is an ameriplan scam. However, I would like to know details if any.

  51. This company just cancled 900 reps for no reason at all. I personally am loosing hundreds per month. Others tens of thousands. Don’t sign up. They say you can will your business to your family. Well my family won’t see this in my will now.

  52. Hello everyone!

    For those of you who have tried to reach me via email, we have changed Internet Service Providers … my new email is:

    Although if you click on my name in any of these postings, you will also get my Ameriplan email … as some of you have done 🙂

    Also … thank you everyone for your patience, understanding and prayers to our family for our recent loss – they were greatly appreciated!

    It’s great to be back and I look forward to chatting with you all again!

    Have a very Safe and Happy Thanksgiving!


  53. @dee cee:
    Hi DeeCee!
    That is awesome that you are a network marketing fan. I can honestly say that the opportunity with AmeriPlan is really the best out there in the network marketing world!! There are alot of great leaders on this blog…if you are wanting to get in touch with one of us, just click on our name, it will direct to our website for our contact information. If you want to email me directly, my email is: Let us know if you have any questions!!
    Jayme Boyles, SESD

  54. I have enjoyed all the posts on this site. Thank you for the information. I am a network marketing fan and looking for a ameriplan IBO to talk to…

  55. @Vernon:
    Hi Vernon,

    Sorry to hear of your situation. Keep your head high…things ALWAYS work out for the best!!

    There is an option to start with the company for just the annual $19.95 fee. However, you would still need to activate your membership ($50) in order to become commission qualified. Even though it sounds great to have your own home business, the reality is that there is an investment, no matter what business, sometimes the investment is nominal, sometimes it is thousands of dollars. There is just no such thing as having your own business for free…no matter what business you are in…there is always a startup and ‘overhead’. If you are really serious about starting, the right time will come about, just stay positive and optomistic!! Jayme Boyles

  56. @Bobbi Prim:

    I really would like start my own business with Ameriplan but I can’t afford the fees. I have no income, no money stashed, no bank account and no one I can borrow from. Is there any way to join if you’re flat broke like me?

  57. To piggyback on whay Jayme said there are people who have titles and some of the ones who dont make more than some of the ones who do. There are IBO’s who make more than RSD’s! In this kind of business the more prospects you sign up your income is related to THAT not necessarily the title. You have to keep working though because until you get to a certain level where you have EARNED the right to just train and do other things you really need to have a strong foundation.
    There are a lot of NSD;s who dont have to work and they just keep doing it because they like it or want to make sure they keep their strong foundation. I have found that in any sales business those who keep working and didnt forget where they came from are the true leaders. I am not saying anyone is doing this but in another direct sales company you will find people who reach a certain level and then they think they dont have to work anymore and recruits will just come to them and that is not the case. Depending on how strong someones business is (Ameriplan in this case) if they have 600 people direct to them they can make quite a chunk of change and just concentrate on finding new IBO’s but the ones who sell the memberships and get new IBO’s seem to have a good foundation. If all you do is sign up IBO’s and have no product knowledge you are in for a rude awakening. Bobby I am so sorry to hear about your loss i will be praying for you and your family.

  58. @Urvella:
    Hi Urvella … I sent your email earlier today which I’m sure will answer many of your questions, including about compensation.

    Everyone … thank you so much for your patience – as most of you know, we had a death in the family over the weekend.

    Bobbi Prim

  59. @Urvella:
    Hi Urvella!

    Well, the answer to your question, is it varies! The pay scale for a Senior Regional Sales Director is the same as an IBO only they receive an additional 15% off of what their team is doing. This can double/triple someone’s income overnight. Some SRSD’s can make 25k a year, some make a few hundred a month. Everyone is different, just because you have a title doesn’t mean you are making the ‘big’ bucks. It does however give you the opportunity to earn a significant amount more when you hit new promotions!!

  60. @Bobbi Prim:
    Hello Bobbie

    I’ve been reading the whole blog for the past few days. 80% of me want to join in AmeriPlan however, I need to make sure this opportunity is the best fit for me. I truly believe, some people can be successful in this business……I am interested in getting more information of this opportunity. My email address is

  61. @Sandy:
    Good Morning Sandy (and to everyone 🙂
    I am glad to hear that you did get started with AmeriPlan!! I am sorry that you left after only working your business a month though. I want to give a little personal background on myself and where I started out and how long it took me to start making money (hope I don’t bore anyone!)
    I started with AmeriPlan and the Freedom at Home Team almost three years ago, our first child was just 4 weeks old. I had a newborn and a huge learning curve when I started. I had phone fears, a skeptical husband, and ALOT on my plate! I did manage to enroll a family member into the benefit plans in my first month. However, it took me 6 weeks to enroll my first person from prospecting, and this was talking to people every single day, I got a small check my first month, as well as my second, but I didn’t care how much it was. I knew if I could make one check or $80, I could make $800 or $8,000. I hit so many obstacles and felt that I wasn’t moving forward at all in my business, then it hit me at about month 2, I hadn’t made a commitment to myself and my business. I was ‘trying’ it out and not committed to making it work. I had ‘quit’ in the back of my mind if things didn’t go as I wanted, well guess what? They weren’t going the way I truly wanted!! So, I decided to make a 1 year commitment no matter what, no matter how ‘slow’ it seemed to be going, I wasn’t going anywhere!! This changed my mentality which was reflected in my business, I made my first promotion after 3 1/2 months, then my second at 5 months in the business. I became a top recruiter and have won 2 top producer trips to date, one which I just recently got home from, and it was absolutely stunning and amazing!!

    So many people truly want a home based business that pays them well 😉 The idea of being at home and earning a fabulous income is appealing to just about everyone!! And who wouldn’t want a passive monthly income coming in??!!! However, I see people all too often get started with AmeriPlan with a “job” mentality. They seem to think ‘if I put in “x” amount of hours, I will receive “y” dollars” This is just not the case when you have your own business. Everyone has to put in the effort and time in the beginning to reap the benefits in a few years, everyone!! We all want to be where the six or seven figure income earners are, but it didn’t happen overnight for them, most took years to get there, some almost 10 years! But, to me, it just makes sense to build a business that pays you passively, what job pays you six figures passively after 10 years (worst case scenerio)??
    Some people can of course get started and earn thousands in their first month, some earn very little. The key is to always remember you are working for yourself and investing in your future, not someone else’s. It is sad to see so many people work so hard for an employer that will lay them off on a whim, but won’t put in the same effort for something for themselves. I see so many people come in and only work a couple of weeks and then quit when they aren’t seeing results right away… well, with ANY business you have to learn the ropes, if you open a restaurant, are there people there training you on how to make money? No! We have something so special and so easily duplicated, so much training and mentorship, but some still don’t get it and just don’t want to invest into themselves. I know the business isn’t for everyone, but it truly is a business that works if you work at it and make a commitment to yourself 🙂

    I hope when you got started Sandy that you didn’t think you were coming into a job-I see by your post you say you worked ‘for’ Ameriplan, and I am not sure what appointment setting refers too, as we schedule our own interview appointments and membership lead appointments. Thanks for the post, I hope you can see a bit of the ‘longterm’ and ‘big’ picture now after my comment.

    Jayme Boyles

  62. I worked for Ameriplan for about a month and made NO money. I was doing the appointment setting. I was kinda disappointed because I was told so much about the company so I tried it out and it ended up being a waste of time for me. But others may have better luck…

  63. @Mark Scott:
    Hi Mark!

    I agree with Eddy – don’t worry about Sharon’s comment … as you can tell by all the other postings in this blog Eddy is a fair and honest person – whereby you will notice that Sharon hasn’t been back here since her comment – lol! And it’s true – every company has pros and cons – no company is perfect, which is why we appreciate the fact that Eddy lets us post answers to questions and help people make an educated decision about joining Ameriplan.

    So … you’re researching Ameriplan – GOOD! … are there any questions that we can help you with that maybe you haven’t found answers for yet?

    One thing I’d like to post here for everyone is the fact that we did start a new promotion today! I am very excited about this promotion because in all the years I’ve been with Ameriplan they have never had such an AWESOME sale! All of our health plans (this applies for new IBO’s starting, too!), payments are half-price for the first 3 months with NO registration fees.

    For IBO’s all you need is the annual $19.95 fee and your first month overhead fee of only $25 to start – that’s $44.95 (not $69.95) and you’re on your way! So, for your first 3 months, your fee is only $25!

    Like I said, this promotion started today and will last until October 31st …

    If there is anything else we can help you with, Mark, please do not hesitate to ask …

    Have a Great Day!

    Bobbi Prim

    • I guess I got scame’d because when I first started that’s what I got charged. $69.95 for the first month.The second month is going to be $50.00 hum! very disappointed to be reading that I got scamed.I’m glad GOD is alway’s on my side.With his wisdom & knowledge.

  64. @Mark Scott:
    Don’t worry too much about Sharon, there will always be those who are high strung about the reputation of their company being nothing less than perfect.

    Eddy’s done a fantastic job along with Bobbi, Laura, and the other contributors, in shedding non-biased light on the who, what, and how of Ameriplan. It’s a great company, but not for everyone. I could not personally use the services because I and my son qualify for state medical assistance and hardly ever have enough money to pay for a discounted service upfront, I’ve checked. It’s difficult to promote or back any service you haven’t personally used, so it was very difficult for me to make it happen. I also found it difficult and frustrating to get my work in with my son being around, since I’m a fan of having complete quiet while I’m on the phone and lose track of my thoughts easily.

    All in all, Ameriplan is a very legitimate, worthy company, offering services that many need. They offer daily pay, which is something I miss since moving on to a different company, the Freedom At Home Team is like no other team I’ve ever seen before, and I really think it’s all about who you pick to mentor and guide you along the way. I’ve seen both terrific and absolutely awful leadership on this team. There’s nothing more important than being FRIENDS with your sponsor before you actually start doing business together.

  65. @Sharon:

    I’m considering AmeriPLan, thus why I’m searching the net for infor on it. I found Eddys write up very informative and did not find it slamming AmeriPlan. In fact basically he’s saying it’s good for some but just not for him. Infact it steered me more towards joinging AmeriPlan simply cause according to his comments, I felt it was more for me.

    What turned me off more was you, an AmeriPlan broker, name calling & calling him a moron. There was nothing he said to call for name calling and to be effective in anything we can always use feedback from anyone.

    If anything, your responce is a negative in my column for joining AmeriPlan. Eddy’s comments were actually in the plus column.


    • Mark,
      Don’t worry about the negative comment directed towards me. There are always some people that will get annoyed when you don’t just praise every aspect of a company. But intelligent folks like yourself understand that just because a company has a few cons doesn’t mean it’s bad. Because let’s face it every company has cons which is what I try to point out in addition to the good. This way we all can make an informed decision based on all the facts not just the sweet stuff someone benefits from telling you. That being said, don’t let one person dissuade you. Process the body of information in my article and comments. Then just make your decision based on the weight of the total that you read. I wish you the best of luck with this opportunity. It sounds like you’re ready to take on the task at hand.

  66. @Eddy Salomon:
    Thank you Eddy, Bobbi and Laura for your response to my question’s
    you are right that if they were a scam they wouldn’t be in business for 19 yr’s or so. I’m just a skeptical person. I have decided to take that leap of faith and join. I will let yall know my progress!

    • Carolyn,

      You’re welcome. I’m glad you really absorbed the information presented by everyone here and have made a decision for yourself. It’s okay to be skeptical but not to the point where you become blinded to facts presented to you. Either way, just keep in mind everything we’ve all said. This is a business not a job. It’s a big difference and not easy. So expect to work harder and not see the fruits of your labor right away. The other thing I want to stress based on the years I’ve moderated this discussion, get the right enroller and team support. Aside from your own effort, having the right time will really determine your success. Like any company not every one in Ameriplan is great. So you want to find people that are good. If you’ve read the comments above, you’ll notice there a few people that are consistently here providing balanced and realistic feedback and expectations about this company. I’m sure you’ve read on other sites when someone is promoting something they just paint a rosey picture of how wonderful a company is and they’re magical, etc. But you’ll notice some real balanced feedback from people within the company. When I’m joining something I tend to join under people that are real because they don’t sell me a pipe dream which will later make you very disappointed. So choose your enroller and team wisely. I’m obviously partial to Bobbi. But there are other great people that chime in here as well. Feel them all out.

      Good luck to you and keep us posted.

  67. Hey Janelle!

    Awesome!!!! Congrats!! On both counts. Or should I say all 3 – almost to RSD – Fantastic – You Go Girl!!!!! 🙂

    I would be honored to be mentioned and if there’s anything I can do to help, don’t hesitate. And most definitely, don’t even worry about coming back a third time – 3rd times a charm, right?! 🙂 And the beauty of this business is we work it AROUND our family so even if some days all you have is 10 minutes because you have other things going on, you’re still moving it forward so just focus on long term (small actions done consistently over time…) and you’ll get there!!!!

  68. @Janelle Antonio:
    Congrats on the new addition, signing up again and being close to RSD again! Sometimes we have to leave and come back again -sometimes more than once or even twice- to figure out where we really fit, which is okay! You’ll do great, and I look forward to someone forwarding your RSD Promotion Announcement to me soon, I’d be honored to be part of your testimony. Someone will have to show it to me since I’m no longer with Ameriplan. Good luck and keep it rockin’ girl!

  69. @Janelle Antonio:
    Hi Janelle!


    AND … CONGRATULATIONS ON COMING BACK TO AMERIPLAN and the Freedom at Home Team. I know Pennie quite well – she’s an awesome lady!

    AND … CONGRATULATIONS IN ADVANCE FOR RSD, and in less than 2 months! I can’t wait to get the announcement! I am SO proud of you! YOU GO, GIRL!

    There is no reason whatsoever to be embarrassed … I’ve known many IBO’s that left to “try” something else and came back to Ameriplan. And you are so right … you just got to take that “leap of faith” and just DO IT! Well, girl, you certainly DID do it! No, I certainly don’t mind – I would be honored to be included in your testimony 🙂

    Keep up the great work – this time, you’re going all the way up the ladder!


  70. I mean Ameriplan is very much real. Why wouldn’t it be?? My dentist is part of the network and so is my vision (before joining Ameriplan that is)… Ameriplan was featured few weeks ago on a nationally known TV. show called Good Morning American and 60mins did a big special on the company few years back… There was never a doubt in my head that Ameriplan is legit, real, fake, scam etc… Once I knew my dentist was in the network that was all the confirmation I needed…

    By the way Thanks for your words of encouragements Bobbi, Jayme Boyles, Laura Paulson, and Ashleigh. I rejoined again (07/23/2010) one week before having my newborn (her birth date is 08/03/2010). So again, I jumped right in. Things were slow because I really had to focus on my newborn all through out the month of August. So now this month I have all my IBO’s on the books and I’m now 1 IBO short of reaching RSD (again) lol 3rd time. I should be RSD by this Friday (09/17/2010).. I know I said I was a little embarrassed on rejoining again for the 3rd time but because of all your kind words I said “what the heck, just DO IT!!!” So THANK YOU ALL for commenting back to me because I DID IT lol.. So I will be including you ladies in my testimony (hope you all don’t mind??)… My up line is Pennie Berk. She’s been my enroller since 2005. Again, Thank you 🙂

  71. Very well said Eddy and Bobbi. Carolyn, here’s to add to what Bobbi already provided (and for whomever else is researching). Whenever I talk to someone and they are unsure, I provide them with the following so they can do their due diligence and make their own, informed decision.

    And like Eddy stated, only you can decide if the company and owning your own business is right for you.

    When you click on D&B (Dun & Bradstreet), you’ll see our Corporate Headquarters’ name and address in the upper right corner. You’ll also see to the left of the page it has some of the criteria that our company has to meet to be affiliated with D&B.

    When you click on DSA (Direct Seller’s Association), the Code of Ethics comes up on their site. In the left margin, go to the bottom where it says Quick Links, and in that list, select Member Directory.

    Ameriplan has the highest standing possible with the United States Chamber of Commerce in Dallas, Texas. You may call them to confirm. (972) 818-4130

    Ameriplan is a member in good standing with the National Association of Dental Plans where our dental plan is one of their TOP RATED plans nationwide. You may call them to confirm our membership. (972) 458-6998

    The American Pregnancy Association recommends Ameriplan to pregnant women needing health care right on their website. Ameriplan is the ONLY non state funded discount health care program that the American Pregnancy Association recommends. to see for yourself.

    Parent Magazine stated in one of their issues in an article about the top 25 ways to save money on healthcare, that a discount health plan, like AMERIPLAN is the number 3 top way to save! see for yourself.

    Read the article and watch the video from Good Morning America

    One of the great ways to tell if a company is legitimate is to see how they pay you. Do they offer direct deposit? The reason is because no reputable financial institution will work with a scam nor does a scam company have the credit worthiness to partner with such an institution. Ameriplan offers direct deposit through Preston National Bank in Dallas, Texas. You can call them to confirm. (972) 716-6203.

    One of our plans, NATIONAL CHILD ID, is the largest Child ID program in United States History. We offer this plan to parents to help them keep their children safe and secure. This plan was created by AFCA. AFCA stands for American Football Coaches Association. They created this program in 1997. Also partnered with us on this program is the FBI, the Federal Bureau of Investigation. The FBI became a partner in 2001. learn about these associations and to learn more about NATIONAL CHILD ID.

    • Thanks Bobbi!
      I think these are always the type of things people need to ask themselves when starting a business. Because too often I see folks joining a home business with an employee mentality. If I put in x hours, how much will I make, etc. That type of mentality doesn’t cut it when you’re the boss. You’re only successful if you see your business through not just by the hours you put. Folks look to companies asking what can you do for me. When they should be asking themselves what can I do for myself if I do join this company and they give me the tools I need to succeed. So it’s all about the mindset.

      It’s great talking to like minded business people. lol Have a great one Bobbi!

    • Hi Bobbi: I wanted to talk to someone who actually sells Ameriplan. I have navigated through the website but still need some convincing. I have tried other programs, so ,maybe you could shed some light as to another website to look at or your own. I just want to gather more information, that’s all. Thanks for your help. I left my number on the website but no one contacted me. Thanks Miriam

  72. @Carolyn B:
    Hi Carolyn!

    GREAT Questions! First, if Ameriplan was not “legal” it would not be in business for almost 19 years AND they would not be able to get a business license either 🙂

    Yes, I – as well as other commentators on this blog – am legit AND part of the Ameriplan team, but if, in fact, you did read this entire blog, you will notice that I post both pros and cons about the company when answering questions. I’m not here to sway anyone one way or another, just trying to provide facts for those doing research about the company. If you have read this entire blog and still are not sure, then maybe Ameriplan is not for you 🙂 All in all, I will point out a few more facts below, not just for you, but for all readers:

    1. Just a few of Ameriplan’s provider base includes, but is not limited to, Walgreens, Target, Dominicks, Walmart, CVS Pharmacy, LensCrafters, Pearle Vision, J.C.Penney’s, Sears – I’m sure everyone knows that companies this large would not affiliate themselves with a company that was not reputable.

    2. Ameriplan is a member of the U.S. Chamber of Commerce and the Direct Sellers’ Association (among others, but these are the most important ones) – both of which hold companies to the strictest of standards!

    3. Ameriplan’s health plans were recommended by Mellody Hodgson, financial expert, on Good Morning America on August 4th … I’m sure in your research you’ve found the video of this taping. If not, email me direct and I’d be happy to send it to you.

    4. Last year, there was a news special on CNN regarding internet marketing – and what to look for in a home based business – Ameriplan was among the companies recommended.

    5. For the past two years, Parents’ Magazine has recommended Ameriplan’s health plans as the alternative healthcare solution – out of 3 companies, they recommended Ameriplan as #1.

    6. Morley Safer, the host of “60 Minutes”, did two television specials about Ameriplan … American Business Review and American Medical Review.

    7. If by chance you live near Dallas, call the corporate office – they provide tours of the facilities.

    Like I mentioned above – I’m not swaying you one way or another – these are just SOME of Ameriplan’s credentials. The length of time Ameriplan has been in business as well as their credentials speak for themselves.

    Finally … I agree with Eddy above – you’ve read the pros and cons here, so it’s up to you to either “take that leap of faith” or not. Joining ANY company – even in the corporate world! – is a risk. Buying a house or a car can be a risk in itself, too 🙂 There is no way anyone can – or should – convince, or even try to convince, you one way or another. YOU need to make that decision – no one is going to make it for you. Look at Eddy’s response and ask yourself those questions, and like I said earlier in this post … if you are still that “afraid”, after reading all of this, then Ameriplan is definitely not for you – nor is working at home period.

    Best of luck to you in your decision making and any future endeavors you choose 🙂

    Have a Great Evening!


  73. I have been trying to decide if Ameriplan is for me. and is it legal? I’ve read all of this blog and still am not sure. How do we know if the people here that are with Ameriplan are legit or just part fo the Ameriplan team. I am not a trusting person and don’t mean to insult anyone, I just need to know that’s it is for real.

    • Carolyn,

      Ameriplan’s legitimacy isn’t really in question. They’ve been around for over a decade, have good standings with various consumer protection agencies and have consistently paid out their brokers. Are they perfect? No. Like every single company on this planet, there are always some complaints and cons. But they have a working business that has stood the test of time. For the most part scams can’t survive long because bad publicity and complaints eventually weeds them out. So as someone that has been in this industry for over a decade their legitimacy isn’t really the matter to be even questioned. Keep in mind I’m don’t work for this company nor make any money with them directly or indirectly.

      What you really need to be asking yourself is if this is something you can see yourself doing? Are you really up to the task of running a home business? Are you able to have delayed gratification and work at this even if you don’t see a dime the first couple of months? That’s really the questions you need to ask yourself about this business or any business.

      You have a right to be skeptical of work at home opportunities because let’s face it, there are so many out there that are con artist. But when you’ve done the research and faced with such a balanced representation of opinions about a given opportunity as presented by the 300+ comments above, it’s really up to you to take that information and decide for yourself. You shouldn’t need someone to convince you to make the best decision for you. Only you can do that. All people can do is present you with their experiences and the facts I think over 300 comments has already done that above.

      At the end of the day, you’re going to need to get pass your fear and jump into the pool of this industry if you want to work at home. It’s much easier to do so when you’ve done your research which obviously you’ve been doing and brought you to this article. But if you just run around being afraid and not trusting you’ll continue to get more of whatever you’ve been getting. If that’s what you want, then don’t do anything different than you have.

      I think most people are just afraid to take risk. But without risk there are no rewards. As long as you do your research your risk is always mitigated. But you can’t sit on the sidelines and expect people to make the decisions you need to make. The company is real. You just need to figure out if you’re willing to risk joining despite the good and bad things you may have read above. It’s that simple.

      Hope this makes some sense.

  74. @Corleone:
    Hi Corleone:

    I have the same question Eddy does … did you read any of the other comments above. All of your questions are, in fact, answered, but I will give quick anwers here – for details, please look above so we aren’t repeating the same information, ok?

    The pay is commission – Ameriplan is your own home based business, not a J-O-B. We are paid both daily and residually: for each application we put through to the corporate office we get a check immediately, then we are paid every single month for each application (not just once!) as long as they remain with the company. I am still getting paid for people I signed up when I first started 4 years ago 🙂

    Yes, we train you how and where to market your business, but no you do not set up your own website – all of the websites are set up and maintained for you by the corporate office 🙂

    Like Eddy, I too recommend that you read this entire blog … many, many questions have been answered above. There are also tips and advice on various things, including how important it is to research the enroller and team you are looking to sign up under as well as the company – and this applies to any company you are looking at, not just Ameriplan.

    If you have any other questions we can help you with, please do not hesitate to ask – that’s what we’re here for 🙂

    Have a Great Weekend!

    Bobbi 🙂

  75. Working for AmeriPlan. The pay rate is base or commission? And do you have to be your own marketer. Would I have to then build a web site?

    • Corleone,
      I’m sure some folks will chime in but did you read any of the comments above? Because it addresses a lot of these questions already. Trust me it’s really of value to you to read it before considering this opportunity. A lot of people have learned a great deal. So my suggestion is to start reading the comments above, there is a wealth of information already there. Don’t miss out on it.

  76. @DOUG:
    Hi Doug!
    LOL! Well, I was born and raised here, friends, family, etc etc. Actually, I don’t live inside the city limits of Chicago, but in the suburbs which isn’t quite as bad. If I ever do move, though, it will definitely be out of Illinois altogether – LOL!

    And I’ll take my Home Based Business WITH me 🙂


  77. @Bobbi Prim:
    You’re very welcome, Bobbi. For most of my life I have been a communicator, both personally and professionally (salesman, teacher, consultant, writer, Pastor). Therefore, unintentional communicative slips have a tendency to “jump out” at me more readily than they might to others, especially when couched in well organized and clearly articulated writings such as those you have posted here. Let me assure you, however, that I make my share of oversights, as well…as evidenced by my typo in the last line of my original message to you (“tem” instead of “term”). Inaccurate proof-reading sometimes comes as a result of staring at a computer screen too long, or, as Laura wisely indicated, our “proofing” is careless because we already “know” what it says; after all, we wrote it. (:>)
    After reading all of your posts concerning Ameriplan, there is one thing that I don’t understand. That is why someone who has been extremely successful in a home based business to the extent that she has time and location freedom, would choose to live in Chicago! (:>)
    Again, thanks for all of your input.

  78. @Elliott:
    Hi Elliott!
    These are questions you really need to ask the person who contacted you … every person, every team does things differently so I really can’t answer for that person/team, but I can answer on behalf of the Freedom at Home Team and what I do.

    The Freedom at Home Team provides 250 postcard leads every single month – these are typically for people requesting information about working at home, although the postcards I mail out offer the plans as well as the business opportunity. 🙂

    Purchased leads that I provide to my team members – again – are typically those requesting information on the business opportunity, but I train my business partners on how to present both the business opportunity and the health plans. We HAVE enrolled some of these leads on the plans.

    Now … the BEST leads are self-generated leads, so another question you need to ask the person that contacted you is if they will train you on how to generate your own leads; whether it be for the plans or people working for the company (or both), be specific with them in what YOU want to do. Leads you generate yourself – through your marketing methods – will be exclusively Ameriplan-specific leads because they will be contacting YOU about Ameriplan – either the plans or business opportunity (or both), depending on which you are focusing on with your marketing.

    I hope this helps – if you have any other questions, please do not hesitate to ask 🙂

    Have a Great Day!


  79. I’ve read most of the comments here about Ameriplan. I was approached today about joining. My only question is what happens after I join. Are the lists that I receive just recycled or are they really from people who are interested in the plans?

  80. Yes, good catch, Doug – “Mr. Detail-Oriented” 🙂

    That is too funny! I can’t believe I didn’t pick up on that either. I guess I just knew what you were saying Bobbi that I didn’t read it close enough no matter how many times I read it LOL But that is what happens sometimes, we don’t find our typos because we know what it’s SUPPOSE to say so that’s what we see.

  81. @DOUG:


    “…you MUST research not only the company, but the team and enroller you are thinking of joining under. This alone is detrimental to your success – with any company.”

    This sentence SHOULD read:

    “…you MUST research not only the company, but the team and enroller you are thinking of joining under. This alone is CRUCIAL to your success – with any company.”

    I cannot stress this enough … YOU choose your enroller/mentor … They do NOT choose you 🙂

    Thanks again, Doug! 🙂


  82. @DOUG:
    Hi Doug!

    YOU ARE ABSOLUTELY CORRECT – LOL! Do you know that, not counting a very good friend of mine, you are the FIRST person to bring that to my attention … and considering how MANY times I’ve posted that sentence! KUDOS to you, Doug!

    Yes, I DO mean crucial or essential … in other words, one MUST stay in touch with their enroller to succeed with Ameriplan, or any other home based business. Although an enroller is not a boss, the more they know about what you’re doing – or want to do – the more they can help! 🙂 The more help they provide guiding you down the right track the better you will be 🙂 The enroller may have already tried doing what you want to do, and may have a better way to do it which will provide better results – and save you time, too!

    I’m glad the postings in this blog have helped you, Doug – I encourage everyone to read this entire thing before enrolling. In that way, you are making an educated decision to join … and have many questions answered, that people may not have even thought of 🙂

    Best of luck to you! Keep us all posted on your progress – we’d love to hear from you!

    Have a GREAT evening … and … thanks again!


  83. Bobbi,
    Last night, and for a while tonight, I have read most of the posts on this site with great interest. I expect to join Ameriplan shortly.

    The purpose of this post, however, is to suggest that you may have used a term several times, in your posts, that means exactly the opposite of what you intended to say. Several times you have said, “…you MUST research not only the company, but the team and enroller you are thinking of joining under. This alone is detrimental to your success – with any company.” I believe you meant to say that this research is “BENEFICIAL”, or, perhaps, “ESSENTIAL” to one’s success. The word “DETRIMENTAL” would indicate that the research would impede one’s progress. It is a decidedly negative term.

    Having said that, let me assure you that your posts, and others of the Ameriplan group, have tipped the scales toward convincing me that Ameriplan is a company worthy of my time and efforts. For that, I thank y’all. (A southern tem which means “all of you”. (:>) )

    @Bobbi Prim:

  84. @Laura paulson:
    I agree with your response as well as Bobbi’s and I do realize that some Reps for the company I’m with now advertise jobs to obtain leads; this does yield many leads and can be great – if you’re willing to go through the process of contacting each one and eventually break it to them that you’re not offering a j-o-b. That’s each person’s own choice, one that I chose for quite some time as well and have no problem admitting it, but am also glad I decided to walk away from that method as it can be a very time consuming process to keep up with changes these days.

    For every future MLM business builder, I truly hope that “the system” changes or at least the people “abusing” it do, because it’s a crying shame that so many are turned off from MLM because of ONE bad experience. Perhaps that’s a downfall of MLM being available to anyone who wants to invest in themselves and embrace an opportunity maybe not available without it – such as the dream of owning one’s own business. If it weren’t for it, I wouldn’t have ever thought I could own my own business, let alone work at home.

  85. Hey Guys, just wanted to add my 2 cents….

    First @Stephanie – A little late but my prayers are with you all the same as well and yes, take care of you first. And once you overcome this, you’ll be that much stronger and will definitely help you in your business. You’ll hit roadblocks and they’ll be a piece of cake in comparison. So, keep your spirits up, I know easier said than done but a positive mindset will get you well faster so you can get past this.

    @Stewart. Yes, this is very unfortunate and I absolutely hate it when I hear things like that because it hurts all of us. I certainly don’t work that way and don’t train my team to either. In fact, I am very upfront with everyone I talk to and that is to my benefit as well because I’m not just looking for warm bodies. Especially if someone needs money now, I make sure to give them worst case scenario. The only thing I can guarantee them is that if they don’t work, they won’t make any money.

    I also have absolutely no idea what they’re going to do either. However, if they are coachable/trainable and work closely with me, they will have success much quicker than someone who tries to do it all alone or re-invent the wheel. I will match the efforts of everyone I bring on board 100% BUT they have to want it. I don’t chase people to join my business so I’m certainly not going to chase someone to work their business. Besides it’s not fair to my team. That’s another reason I don’t want to fill my organization with warm bodies. I’m looking for quality and by that I mean individuals who have a strong desire to make a positive change in their life and are ready to put in the effort necessary to make it happen.

    Yes, it is doable to be earning $100 or more your first week; however, it’s not guaranteed and for most it takes longer. So that’s totally not cool telling anyone this. This business is a long-term solution and takes time to build. You get out of it what you put into it. The first couple months are the hardest and once you get past that point, it gets easier and easier and eventually takes on a life of its own. This business is just so simple. Unfortunately, too many just aren’t willing to make the sacrifices and go through that learning curve in order to make it to that point. And not that there’s anything wrong with that (or them), it just means it’s not the right time or having a business isn’t right for them.

    Yes, there are some IBO’s who choose just to do recruiting and that’s a personal decision. And some who do just the memberships. And others both. Personally, I work the memberships and the recruitment equally. Afterall, the memberships are the lifeblood of the company. At first I did focus solely on building a team because having an HR background with a lot of recruiting/training experience, it was like my thing. But then once I learned more about the programs, that changed. With that said, I do encourage building a team because it’s better to leverage the efforts of many rather than just your own. Not to mention that it’s so much more fun working together as a team and helping others reach their goals while you reach yours – Together Everyone Achieves More!

    2 of my RSD’s reached their promotion with memberships only and one RSD with mostly members. The resources I provide my team are equal for memberships and recruitment and they can chose however they want to work their business because it’s THEIRS and because there’s no one-size-fits-all.

    So, yes, it is very important to be selective in who you enroll with so it’s to your advantage to ask lots of questions BEFORE jumping in. And don’t just think of that person, ask about team resources because what happens if that person leaves? Is there a support system over and above your enroller, what tools and resources do they have in place, etc, etc. I LOVE it when people ask me lots of questions because the more informed and certain they are coming in, the faster they will have success.

    And if you’re being recruited in a way that’s not comfortable for you (you can’t see yourself doing what they just did), you’re probably better off looking elsewhere because chances are that’s how you’ll be trained.

    @Ashleigh, the company you just joined is the exact same way. Different company, different product but the work is basically the same and each rep is an independent contractor and chooses how they work. There is good and bad in every company. Unfortunately, it’s the bad that gets the most press.

    Okay, well sorry for writing a book LOL Stewart, since you paid the $19.95 you’re still in business so it’s entirely up to you if you wish to continue and NO you don’t have to follow what your NSD does. There’s corporate training, various team training sites, etc. etc. so there’s plenty of training and support regardless. Feel free to contact me and I would be more than happy to assist – you can either click on my name that takes you to my blog and fill out the contact form or send me an email

    I wish you all the best! Thanks, Laura

  86. I agree with you, Ashleigh, to an extent … yes, $100 the first week CAN be far-fetched – for some people. Everyone has different learning curves – how fast/slow they learn something. Some do take longer than others, too, depending on how much time they can put into their business; also how coachable a person is plays a key factor as well.

    I reached RSD in 17 days – enrolled 18 people in those 17 days – and never had a clue when I started about online marketing, talking to people, etc. I know a couple other people that made RSD in 11 days – enrolling 10 people to get there – all of which were both members and IBOs because at the time we had to have 6 member plans and 4 IBO’s. That has all changed now, of course, but I still have newbies starting – just this month – that are enrolling their first person in their first week.

    BUT … then again, not everyone can do this and it may take a little longer for them – and they need to be told this upfront. As for Ameriplan, I tell everyone – it is NOT a “get-rich-quick” scheme and you DO have to work your business to make any money … the more you put into it, the more you will get out of it – just like anything else. I’ve known people to take 9 months to 1-1/2 years just to make RSD – some were due to family obligations, childrens’ schedules, working full or part-time jobs, etc leaving them only 1 hour/night to work their business. This happens and it’s ok – as long as you are ok with it. Some people expect to make money just because they have websites, but they don’t realize that no one knows those websites are even on the internet unless they market them, register them with search engines, web directories, etc. This does take work.

    In my own personal experience – and watching that of my newbies – the hardest thing about this business is learning everything, finding things on the various sites, setting up a work schedule, implementing time management if you have children, getting your own system set up and getting organized … once all this is in place, it’s really a piece of cake – and can be fun 🙂

    As for those that take a little longer … just like with anything, practice makes perfect … and training/Personal Development does play a big part in it … but continuously! I’m in the business 4 years now, going into my 5th, and I STILL work on my Personal Development because I want to be better – I want to be a good trainer for my team – a good coach so THEY will do good and be successful. Heck, even when I was a secretary in the corporate world, I was attending seminars, etc, and I was a secretary for many, many years! There is nothing wrong with training – whether it be a lot or a little, but you WILL notice that the people that DO work on their Personal Development are the ones that are successful because they are constantly working to better themselves 🙂

    btw … I also get my newbies marketing their businesses and talking to people before they are fully trained – and it’s worked GREAT because they are generating checks that much quicker 🙂 I certainly haven’t had any complaints in this area – lol! And they all continue learning, listening to training calls/cd’s, practicing while they are doing this 🙂

    Unfortunately – and I don’t care WHAT company it is – there are going to be those enrollers that are misleading … and this is a real shame because those few make all of us look bad – like we all work the same way, when we don’t. And THIS is why I tell everyone to be SURE to research your enroller – interview them, ask them questions on HOW they work … can you sell product or is it just recruiting? etc etc etc I can provide a whole list of questions, but I don’t want to repeat what I’ve already posted above – lol! And even with selling a product, if it’s a product and not a service, do you have to keep an inventory? How do people order it and how is it delivered? Do YOU have to purchase the product? You can ask your enroller ANY question YOU want, and if they don’t like it – move on and find someone else.

    Always remember … unlike the corporate world where when you get hired, you get a boss and whether or not you like him/her you are stuck with him/her. In this business – with any company – YOU have the choice of choosing your enroller – be selective. Don’t enroll with someone just because they contacted you first – talk to 2-3 representatives of the company and THEN choose which one you’d like to work with – this is very, very important to everyone’s success in any business. I can’t stress this enough – I really can’t. I was lucky – I found a great enroller and a great team … so many people do not for various reasons.

    Well, here I go rambling again … sorry everyone … hope this helps everyone and please … if you have ANY questions at all, do not hesitate to ask. That’s what we’re all here for – to help each other … and get the FACTS straight 🙂

    Have a great evening everyone!


  87. @stewart:
    Hi Stewart,
    I’m sorry for your situation, unfortunately, a lot of IBOs do what your enroller does to get leads and it’s very misleading. It’s also misleading that he told you you could make “$100.00 per day or more; in the first week.” When I was an IBO, I spoke with a lot of others who were good a recruiting, but it took A LONG TIME and A LOT OF TRAINING to get to be able to enroll 1 a day or more. I think making $100 a day in the first week is pretty far fetched.

    I also know that a lot of IBOs focus on JUST recruiting, which is what started to turn me off from Ameriplan. That’s how people get the thought of Ameriplan and/or any other MLM being a pyramid scheme because a lot of the reps concentrate on just recruiting (which is what Pyramiding is) rather than getting the product out there.

    Ameriplan truly is a good company that offers services that can help lots of people. Hopefully you are able to see that and don’t discount the company over one ill-mannered team.

  88. @stewart:
    Hi Stewart!

    I’m really sorry to hear of your disappointment, but I DO have good news for you! No matter WHAT team you are on, you CAN sell the product! You don’t HAVE to recruit people to work for the company! It could be that your particular NSD and team are focusing on recruiting so that is how they are training their teams … I don’t know. I know who you are talking about, but don’t know him personally and don’t know what his “goals” are, but PLEASE be advised that you CAN sell the product if you prefer doing this. You can do one, the other, or both – it’s up to YOU – it is YOUR business and YOU make the final decisions.

    If you would like help in this area, email me direct at and I’d be more than happy to help you 🙂 I’ve had 2 men on my team make their RSD promotion by enrolling people on the health plans – ONLY! Neither one of them have any IBO’s under them and they prefer to do members only.

    btw … go into your backoffice and click on the gold Eagle Seal icon near the bottom … you will see a list of your points – click to see the ACE Council Top Achievers List – note the #2 person on the list – this couple has ALWAYS enrolled only members to the plans – the product. 🙂 And there are more just like them 🙂

    I hope this helps 🙂


  89. Hello all. Used this website to do some background on Ameriplan before signing up and the advise Bobbi gave is important. Know your sponsor! Unfortunately I failed to follow her advise. Signed up with a NSD here in Colorado Springs and after 1 week of being strung along, realized that this group isn’t selling a product. They are selling jobs/work. The only sale is to get unemployed or those looking for part time employment to sign up for the IBO program. The NSD posts “need a job, I’ve got work” ads on Craigslist and signs up as many as he can. $120.00 for people who were actually looking for job. (69.99 + the 2nd month of $50.00 before you can cancel, takes one month) I should have known better.

    I only signed the IBO agreement for 19.99. I thought “make money before you spend money”, but the only customers for this group was the unemployed. I see how this works for a lot of people, a legit product and company. But placing ads for work is wrong. He also promised people looking for work, $100.00 per day or more; in the first week. Of course this was just signing up other people looking for legitimate work.

    Like I said, I should have known better.


  90. Hi Ashleigh and Bobbi,
    Thank yall for the infornation. I really appriciate the response. Unfortionally, my plans to join Ameriplan have been put on hold for now. After writting yall I called the doctor for my test results of the leep procedure and they asked my husband and I to come in the the doctor wanted to talk to us. I have to decide to continue to have paps every 4 months with a 40% chance it will come back and if it does it can come back at any stage or have a hystorectomy and lose my chance to have antother child. I’m 28 years old. Anyway, this and bronchitis/sinus infection has taken all of my attention. I don’t feel like I could accomplish anything right now. When I get through all of this I hope to join Ameriplan at that time. Again I appriciate your response, both of you. I wish you both the best.


  91. @Stephanie Shelton:
    Hi Steph!

    I’m so happy you wrote on this blog for additional help … I am so sorry to hear about all your health issues, on the other hand, VERY glad that you’re on the road to recovery!

    Of course you can email me with any questions, Steph – my contact information can be found by clicking on my name at the top of any of my postings. Although I’m sure Jody will have all your answers, I’d be honored to help with anything at all. Feel free to email me at anytime.

    Actually, to start you need the annual fee of $19.95 and your first month’s overhead fee of $50 … if finances are an issue, you CAN enroll for $19.95 and pay the first month’s fee within 30 days, but your first month’s fee must be paid before you enroll anyone. Once you reach your first promotion and your residual check is over $50, the monthly fee will be deducted from your check 🙂 Also, you indicate you don’t need the discounts, etc., but if you utilize your Access Saver card in your day-to-day activities (discounts for shopping, car maintenance, dining, theaters, etc.), you will save MORE than $50 each month 🙂

    Being in a small town, or living somewhere where we don’t have many providers, is not a problem – just market your business nationwide – I market my business nationwide and I DO have a lot of providers in my area. Think about it – if you market nationwide, it increases your chances of enrollments because you have a much larger marketing area 🙂 In addition to this we also have the hospital advocacy – ALL hospitals are included – and the IDSecureNet Plus, our non-health program too, which is becoming VERY popular!

    Residual pay is where you get paid every single month for every single enrollment you do. For instance, I have dental and medical members that I enrolled 3-4 years ago and I’m still getting paid for them today!

    Ameriplan is not a pyramid – pyramids are illegal … you do not get paid for everyone’s business under you, but once you reach your second promotion (Senior Regional Sales Director – SRSD), you will receive a commission of your RSD’s and their sales group. After your reach SRSD, with every promotion after that, you will receive what we call a Builder’s Bonus for another level under you … it’s kind of hard to explain, but once you start, Jody will get you on the FAHT training site where there are videos, etc. that explain the entire compensation plan and how it works. I can tell you, though, that once you reach SRSD and start receiving the Builder’s Bonuses, you income literally doubles – and, of course, increases with every promotion you receive after that 🙂

    I hope this helps – I am glad that Eddy’s blog here has helped you with other questions you had! That is our mission – to help people make an informed and educated decision about Ameriplan BEFORE joining!

    Best of luck to you – I just KNOW you are going to do great with Ameriplan! Keep us posted here and let us know how you’re doing!

    Hope you’re having a great weekend!


  92. Hi Stephanie,
    I’m sorry to hear all you’ve been through – my mother was diagnosed with cervical dyslpasia and had to have a hysterectomy 9 months after having me and now I face a similar situation – I was unable to have a biopsy done though because at the time I was early in my pregnancy with my son. The though of the possibilities of what my mother went through frighten me enough to NOT go back and have a biopsy done, however I know that’s the only way they can tell if I have pre-cancerous cells or not. Very scary situation.

    I am no longer with Ameriplan – my heart isn’t in it anymore and I found a company that truthfully hit home with me. So, with that said, I wish you the best of luck and I would recommend speaking with Bobbi – she can explain how many levels you get paid on (though don’t confuse with pyramids, those are illegal and have no product or service involved!). What I can tell you is if you pay just the $19.95, you have the choice to either buy or sell a Platinum Plus membership – if you sell it, you won’t receive commissions until you sign another membership – it’s part of the new changes and I honestly don’t understand them fully.

    Generally speaking to Bobbi, Laura and Eddy – I left Ameriplan after realizing I didn’t have a true passion for it and my enroller and I were not on the same page. My true passion is working with The Wellness Company – I’m sure you know what company I’m talking about. I feel like I can help more people by showing them non-toxic and cheaper household products as my life has been touched by cancer and several other diseases that can be avoided/prevented or at least improved by detoxifying one’s household. I’ve also experienced much more success in this company. Ameriplan just wasn’t for me. I thank you ladies and Eddy for your words and encouragement to myself and other people looking into Ameriplan as a means of income.

    • Hi Ashley, I was reading your comments along with everyone else’s about AmeriPlan, I’m new to this business. I read on and noticed you mentioned dysplasia. I recently had this diagnosis and am baffled by what this means in the long term. Yes sort of scary, I would like to know if you and I could talk about it maybe exchange some info. Let me know, and I hope you are doing well, Thanks Dd

  93. Hello everyone,
    I have read 95% of this blog and I must say I feel like I know everyone like Bobbi, Eddy, and Laura. I found this blog researching Ameriplan. My sister in-law sent info to my mother in-law after she lost her job. My mother in-law was not interested but thought I might be since I was leasing/marketing Specialist for a larger apartment community before I lost my job March 2009.
    I recently took my son to a summer daycare program so that he could be around other children his age. it was only 2 days a week and 4 hrs. He enjoyed it so much that he continues to ask to go back even though the program is over for the summer. He is 2 years old. I told him I would have to get a job for him to go back since my husband and I are not financially able to send him without me working as well as my husband.
    The concern about me going back to work is that I lost my job the week I was in the hospital having brain surgery. While the surgery was a success my helth is still a concern. Since the surgery i have starting having back and leg problems for which i am constantly on pain meds. I am still a fully functioning 28 year old woman but can’t seem to move as quickly or do the same stair walking that I could without being in a lot of pain even with the meds. Also, the Doctor found precancerous cervical cells and they were removed this week and sent off to double check to make sure they haven’t become cancer. The doctor said it is sever dysphlasia and will need to be closely watched and possibly taken out again. So due to my health concerns and lack of funds I started looking at Ameriplan.
    I have done a lot of research and am ready to dive in. I was slightly concerned because I have never met this sister in-law (my husband has 6 brothers) and have just recently spoken with her because of Ameriplan. I thought about enrolling with Bobbi but my sister in-law is with the freedom at home team too. I am very good with sales and prefer the educational soft approach. I was happy that this is a company where I can be honest. My last company when they were having to cut cost would ask us to steal pens from the bank ect… With them I had a 55%-60-% closing ration and feel confident that I can do the job and have my business succeed. But I feel like I’ve felt every time I accepted a new job I start to doubt myself, the job, and the company. I always push forward though.
    Bobbi I was wondering if I have questions or concerns that my sister in-law Jody Smith my sister in-law cant answer would you mind me emailing you? I am also trying to decide which plan to go with the $20 plan which would help with cost or the $50 plan. I am in a extremely small town which no provider besides cvs and wal-mart. There are a few about an hour away. So i dont really need the discounts at the moment and could get them later when I start making money. I even have someone who might sign up for the discounts when I become an Ibo which will be when my husband gets paid.
    I also wanted to thank everyone for posting on this blog I got the answers to questions that my sister in-law didnt provide although I’m sure would have if I’d known what to ask.
    Bobbi I am curious about residuals and am not sure how to ask the question so forgive me if its not right. How far does the pyrimid go? I know that i get paid for every person I sign up but is that as far as it goes or do I make money on the people that are signed up by the people that I sign up?
    Thanks again for all the help and quite classy and intelligent conversation.

  94. Hey Judy!

    So glad you found the site and it was helpful. Eddy is Awesome, isn’t he?!!! 

    And that’s exactly the thing to do with your questions is to talk one-on-one because so much can get lost in just reading. It’s also important to get to know your future business partner because that relationship is key. So kudos to you on that! Like Bobbi said, let us know how it’s going and we’re all here to help.

    Make it a Great Day! Laura

  95. @Judy:
    Hi Judy!

    Thank you – so glad we were able to help! I just love when we can help someone make an informed and educated decision. Please be sure to keep us posted on how you’re doing … and don’t forget, if you ever have any questions don’t hesitate to ask – we’re all here to help each other 🙂

    Have a Great Weekend!


  96. Wow.
    Have I learned a lot in the last little while or what!!!! I am looking into joining Ameriplan as my home based business and stumbled upon this blog. Wow!!! It sure answered a lot of questions and hesitations that I had. Now I can call back with some informed questions. I am getting very excited about walking down this road. Thanks!!! I believe the questions I have left are ones that are more indepth and one on one questions. Keep up the good work!

  97. @Amanda:
    oops! Sorry … I hit the ‘tab’ key and it entered the comment before I was done … anyway to continue …

    2. Will you get free leads?
    3. Does the team have a training site and exactly what is on it? Just training? Or does the team provide materials and resources … and what type?
    4. What type of support does the team provide? (this question can also be asked of the enroller as well!)
    5. What does the enroller/team believe in as far as “teamwork”?

    After what you’ve been through, I’m sure you get the idea 🙂

    So … first, research and find an enroller … then whoever that is can help you get started 🙂 If there is anything we can help you with here – any additional questions, or if you need more information, please do not hesitate to ask! That is what we are here for!

    Best of luck … keep us posted!

    Bobbi Prim 🙂

  98. @Amanda:
    Hi Amanda!
    I’m so very sorry to hear you had such a hard time when you were with Ameriplan – how long ago was this?

    Your story here is exactly why I tell everyone – whether it be Ameriplan or some other company, doesn’t matter – you MUST research not only the company, but the team and enroller you are thinking of joining under. This alone is detrimental to your success – with any company. You want to make sure you find someone that you are compatible with, of course, but also that you feel comfortable knowing that your enroller/team will be there to help you! NO ONE should work this business on their own – especially the first couple of weeks because EVERYONE has TONS of questions and this is normal – this is how we learn! Later, you will “wean” yourself because you won’t have as many questions, but regardless of whether you are with the company two months or two years, your enroller should be there for you.

    Again, too, you also want to research the team you will be on … and don’t be afraid to ask what team! Each team provides different things for their members and you want to know what the team will be able to do for you … for instance:
    1. What type/how many training calls are available? Are they all live, or can you access recorded versions? Are these training calls corporate calls, or calls provided by the team themselves?

  99. @josefina Hart:
    Hi Josefina!

    Thank you very much – I’m SO glad we’ve helped you with the vast amount of information here … I also did receive your email and have responded 🙂 Looking forward to chatting with you!

    Hope you had a great weekend!

    Bobbi 🙂

  100. Hi Bobbie and Eddy,
    I worked with Ameriplan for less than two months and had a very hard time getting started. I was very discouraged when I didnt start bringing in money right away. What do I need to do to get started and start bringing in money. My counselor was not helpful. Please help me.

    • Hi Amanda,
      I don’t work for Ameriplan. But Bobbie would be a great person to talk to. I’m sure she will chime in when she can. I’m heading on vacation so it may take me a day or two to approve any additional comments. So keep that in mind. But I think if you look at earlier comments she provides her information.

  101. Thank you guys!!! I was looking for answers about working for Ameriplan i was not clear yet, but then this blog help me to clarified some of my concerns i had about working for Ameriplan.

    Thank you so much! Eddy and Everyone!!!

  102. @Bobbi Prim:
    Hey Bobbi,
    I’m definitely all for having a system in place that allows me to leverage my time so I’m not spending hours calling people back. I’d much rather have people calling me or at least have the information first before I spend time with them on the phone. My son is to the point where sitting at the computer for a couple hours at a time doing this and that and trying to be on the phone just isn’t an option – I really need to be on top of him as much as possible. I know there are people who use their overview calls to their advantage, but I haven’t been a lucky one to get the calls back and sometimes following up can take longer than it should. Would you be willing to share your boot camp (once you’ve got it finished) with a non-immediate team member? Currently I’m seeking mentoring and help from a few different people as my own up line is still doing things I’d like to move on from, and you’ve helped me in the past. I’d love your help again!

  103. Hey Janelle, just to add my 2 cents 🙂

    Don’t beat yourself up about the past. All that matters is today and forward. You have proof that you can do it!

    Take it from a mom you did work outside the home while her kids were growing up, do it NOW. I can’t tell you how happy you will be that you did because the time you miss (with your kids) you will NEVER, EVER get it back. I have A LOT of regret because I missed out on A LOT because I was trading time for money working for “the man” and although I was very fortunate to have a great career with the income to boot, that came with a HUGE, HUGE price (all I did was work). I didn’t take that leap (and wake up) until my oldest was almost graduating from high school so you’re way ahead of me :).

    And like Jayme said, there is a way to work the business without spending a lot of time. I don’t spend hours and hours on the phone (NO way!!!) and I show my team how to leverage their time as well and have the tools in place.

    And if “life gets in the way” while you’re working your business, that’s okay – just do what you can. One gentleman on my team had a similar situation. His hours increased significantly at his job so he wasn’t able to devote much time at all to his business. Nevertheless, I helped him streamline his activities so that even though time was extremely limited, he was still able to continue moving his business forward.

    Fortunately he did because just last week he got laid off from his job so luckily he had his business to fall back on and he’s “back at it”! full-force and, in time, he won’t need a job.

    So just do what you can, Janelle. You’ll get there!!! It won’t happen overnight but it WILL happen. You made it that far before so you KNOW you CAN do it!!!! Once you hit a certain point, all that effort will pay off because your business will “take on a life of it’s own”.

    WOOOHOOOO!!! Here’s to creating wealth WHILE having a life!!!! To Your Success! Laura

  104. @Janelle:
    Hi Janelle!

    YES! That is exactly how I raised my children – If you want something, put your all into it – set your heart and mind to it – and you will get it. Also … where there is a will, there is a way! And you know exactly about setting your goals and reaching for them … i.e., the Vegas trip! Wasn’t that awesome – I did the same thing when Janie announced it! My husband always wanted to go to Vegas and I told myself “this is our chance!” See? We can do anything we want to do, if we set our hearts and minds to it – make it a goal – and work TOWARDS that goal – WE CAN DO ANYTHING! Janelle, I remember talking to you in Vegas, so I KNOW you are going to do (HAVE done) GREAT! You made it all the way to SRSD the second time around, just IMAGINE where you will go this time! We’ll be watching YOU cross that stage at convention as an NSD! WOO HOO!

    True – “if it’s for them, it is – if it’s not, it’s not” … as Janie says, “some will, some won’t, so what” …

    CONGRATULATIONS in advance on your new bundle of joy! How exciting!

    Jayme is so right in there are ways to work the business now without spending so much time on the phone, which is truly awesome and will help with the little ones at home, etc. I’m in the process of implementing a boot camp for my team which is going to train them on an all new method I’m using now, so needless to say I’m quite excited too, because with this method, people don’t have to be on the phone as much 🙂

    As you can see, we all look for newer, better ways to help our teams – and when you come back, you too, will do the same thing. You will have an advantage of already knowing what worked for you before, so you will have a headstart! I am SO excited for you – new baby – new beginnings ….

    Keep us posted on everything, ok? We’d love to hear how/what you’re doing!


  105. @Janelle:
    Your welcome Janelle! Congrats on the upcoming birth!! You are going to be one BUSY Mama Now!! I can imagine you are kicking yourself a little over quitting twice..but you are being honest with yourself NOW in knowing that you can truly be successful with AmeriPlan….and that you actually did enjoy it…and third times a charm, right?! Also, winning a Top Producer’s Trip is a BIG Deal!! And while you may of not been making alot of money when you went to Vegas…you were there with the Top Producers in the Company!! You were doing what they did to get to 6 figures. And if you got to RSD and SRSD once, you can do it again, you already know that ;)!!

    Childcare has never been an option for me either…I hear so many moms saying they are just ‘working to work’ which is SO true! Why spin your wheels and miss out on your kids precious moments when there IS a better way-whether it is AmeriPlan or not, there are options!!

    And just a note; there are actually ways you can build your business and spend less time on the phone, since that WILL be an issue with a toddler and a newborn! Though I do not know your previous sponsor or the team you were on, there is training on how to use ‘overview methods’ by making sure prospects have the info first before you spend time on the phone with them by using overview calls and emails 🙂 This helps me from being ‘overwhelmed’ by the phone calls and ‘interviews’…because I really have no quiet phone time in my house!

    Good Luck To You!!

    Jayme Boyles

  106. @Bobbi Prim:
    Hi Bobbi,

    Thanks… Making SRSD was NOT easy as we all know. I’m a strong believer in “If I really want it I can put my mind to anything I want and get it”… When Janie Jones made the announcement about the contest for the Vegas trip I challenged myself. I told myself I’m going to do it and I did it LOL… The trip was great!

    Right around the time making the SRSD promo I picked up a full time job, so I was not working the business on a consistent schedule like I did prior to getting the full time job. I honestly believe taking that JOB was a big mistake! I’m still working on that very same job till this day and I’m so NOT happy! Ameriplan truly delivers and not everyone can understand that. If it’s for them it is, if not it’s not… Now that I’m expecting another bundle of joy in 2weeks I’m really giving this a lot of thought to jump back in. It honestly worked for me

  107. @Jayme Boyles:
    Jayme, thank you so much for your response. That’s exactly what my problem was in the past thinking the “grass is greener on the other side” knowing well what Ameriplan delivered. Shame on me!! I really enjoyed the business. I believed in it and it’s product which is why I was successful in it. I decided to pick up a full time job which is another reason the business became to overwhelming working full time, I also have a daugther (at the time she was one year) she’ll be 3 September 01, and I have another daughter on the way (due in 2weeks Aug 03rd). I wouldn’t beable to work full time anymore as well. Child care is extremely expensive and not worth putting 2 kids both under the age of 5 in daycare. NOT an option! I’m a little embrassed to come back for the 3rd time LOL.. starting all over again, but I know I can do it.

  108. @Janelle:
    Hi Janelle! It’s great to see you here! I am so proud of you for making SRSD – that IS a great accomplishment! I was surprised to see that you left Ameriplan a month after your SRSD Promotion … although I am not making six figures either (usually NSDs and above are making the six figure income), my income did double when I reached SRSD, then tripled when I became ESD due to our Builders Bonus Overrides. That alone was exciting for me 🙂 And even though I’m not making six figures, I CAN pay our bills and actually have some left over for “fun”, and that means a lot to me because any other company I tried before Ameriplan, I never even came close to paying my bills let alone having “fun” money.

    You are correct in saying that this business isn’t for everyone – and, like you said … NO business – NO job – NO company – at home or in the corporate world – is for everyone. But you certainly seemed to do well if you made SRSD AND won the Vegas trip – that is so AWESOME!

    Remember … Ameriplan is a lot of things, but it is not a get-rich-quick scheme so yes, you do have to have patience.

    Best of luck to you, Janelle, in whatever you choose to do … if we can help with anything, let us know …


  109. @Janelle:
    Hi Janelle,

    I think sometimes we all (no matter what occupation or business we are in) feel that the grass might be greener on the otherside. I have had team members quit and come back or take a ‘break’ to go get a job and come running back! Sometimes realizing through one’s own personal experience what they truly want is the only teacher there is! So, that isn’t a bad thing that you quit, you now know that AmeriPlan is truly a great opportunity, and like you said, the only one that actually paid you!
    That is great and a BIG accomplishment that you made it to SRSD!! I just wanted to say that although I am not making 6 figures, I am making decent money after 2 1/2 years with AmeriPlan and I do work part time. I have two kids, ages 2 and 10 months, and cannot work full time, that is why I wanted a home business to begin with, so I didn’t have to work full time 🙂 I am sure it is easy to feel overwhelmed, and sometimes a home business can seem to consume you. However, I think a major key to success in any home business is sticking to some form of schedule, and not letting your personal life flow over into your business, and visa versa. Good Luck if you do decide to come back!! Jayme

  110. I too was with Ameriplan twice. I’m actually really thinking about joining it again. I can honestly say Ameriplan was the only company I made money with. Some little and sometimes not much. To actually see something coming in the mail box was good enough proff for me. I droped out because I wanted to find other ways of making bigger money. Guess I was impatient. I to won that very same trip to Vegas. When I returned back home from the trip, 2weeks later I made Senior Regional Sales Director (with my up line help). Then one month later after making that promotion I droped out. I figured it out. The top earners making $100k / yr because they’re working full time. I was only working part time. It became to overwhelming for me. I agree it’s not for everyone. No job is. No business is. No company is.

  111. @Colleen:
    Hi Colleen …
    Actually, yes Craigs List is ONE of them that I use – but I use many, many sites that I advertise on (all the free ones!) and many methods of marketing my business. I train my team members the same way I work and tweak along the way. I – as well as my team members – use a MINIMUM of 5 different marketing methods each week, which could be any of the above that Ashleigh mentioned … BUT I certainly do not START a newbie on social networking, blogging, etc until they are ready for it – unless of course, they are already involved in any of these things, which a good 99% of them are not. I feel it’s senseless to start someone on attraction marketing or similar until they actually become familiar with our plans, recruiting, the company, etc. You cannot “attract” someone to you, or discuss something in a blog or on a social network, until you know at least something of what you are talking about 🙂

    As you can tell, I take “baby steps” with my newbies until I know what their learning skills are – everyone learns things differently and at different paces. I don’t want to go too fast and overwhelm them, nor do I want to go too slow either.

    In summary, I literally expose myself all over the internet and locally – and train my team how to do the same.

    Keep in mind … to “get traffic moving with your website” you MUST market your website or no one will know it’s there 🙂 I say this (and I’m not referring to YOU when I say this – lol) because believe it or not, there are many people out there that think because they have websites they don’t have to do anything – the websites will do all the work for them. This is not true – people don’t know the websites are there unless you tell them – via marketing – and we train people how to do this. For instance, you want to sell your house – well, no one KNOWS your house is for sale unless you market it … telling people, hire a real estate agent, advertising in your local newspaper, putting a sign in your front lawn, etc. The same goes true for your websites – marketing your sites tells people “I’m open for business – here I am – check it out!”

    Colleen – I could be wrong, but I get the impression that you are currently an IBO .. or currently working at home. If you need any help/advice with your marketing, email me direct ( and I would be more than happy to help you out. We all work as a team – whether you’re on my personal team or not, doesn’t matter to me.

    Well, here I go rambling again about more than you even asked – I do apologize, but hopefully this helps 🙂

    Have a Great Day!


  112. @Colleen:
    Hi Colleen,
    I know I’m not Bobbi but I didn’t think it’d hurt to reply anyways – hope you don’t mind.

    A lot of us DO use craigslist for getting our leads, however, many of us have encountered some obstacles with them, myself included. With the Freedom At Home Team you get 250 free postcard leads every month which when using them properly (as outlined in our training) yield some very good results. Other means of driving traffic to our websites include social networking, traffic exchanges, free classifieds, paid advertising of all sorts, blogging, article marketing, and my favorite – attraction marketing also known as magnetic sponsoring. We can also get free leads from several sources which make very good presentation practice and purchased leads. The list truly does not stop there and Bobbi of course would help you tremendously on choosing your desired methods.

    Hope this helps!

  113. @sharon:
    Hi Sharon! I do apologize, I didn’t see your message posted earlier …

    No, the healthcare reform bill will not effect our business. Ameriplan was actually started over 18 years ago with the Dental Plan because 70% of the U.S.A. had no dental coverage whatsoever. This Dental Plan also includes Vision, Prescription and Chiropractic care – none of which is covered by the healthcare reform bill 🙂

    We also have IDSecureNet Plus, our non-healthcare plan which covers the #1 crime in the nation, Identity Theft, as well as Child ID (the ONLY Child ID program in the nation sponsored by the FBI), Financial Services, Legal Services, Roadside Assistance and Access Saver which provides discounts in your everyday living – shopping, movie theatres, car repair/maintenance, dining, etc. I won’t go into the details here of each and every one of these, but I’m sure you get the idea 🙂

    BTW … anyone joining Ameriplan now gets ALL of the above benefits – we didn’t “several years ago” 🙂

    As for the healthcare reform bill … hmmm … amazing we haven’t heard too much about this since the states started filing their lawsuits against the government. Even IF this bill was to go into effect, it certainly will not happen overnight – we’re talking a MAJOR “overhaul” here. I have an IBO on my team who joined Ameriplan because she lives in the State of Washington where they have the same thing already in effect in that state – it costs them an arm and a leg to pay for their healthcare (so many people think this is going to be FREE healthcare – sorry to disappoint those that believe this, but NOT!); in fact, it’s costing them more than their original insurance did. Canada, too, already has this in effect for their residents – I’ve heard many horror stories about it. In summary, I do not see this happening for a couple of years – IF it goes into effect.

    As for the start-up fee – you are correct … when the economy took a turn and so many people were losing their jobs (not even counting their benefits!), Dennis and Daniel, the founders of Ameriplan, eliminated the $95 startup fee to help those that were out of work. By popular demand, they made the Start-up Kit an OPTION vs. a requirement 🙂 In this way, all anyone needed was the first month’s overhead fee of $50 to start. This has just recently changed AGAIN, but I don’t want this to appear as a salesy type posting, so if you decide you want to come back to Ameriplan, email me and we can go over this in private 🙂

    Hope this helps! If you have any other questions, please don’t hesitate to ask – that’s what we’re here for 🙂

    Have a Great Day!


  114. @Eddy Salomon:
    Hi Eddy!

    Well, thank you so very much – it’s really a pleasure being on this blog with you all too! I love the way you manage this blog/site too – not allowing arguing, politics, etc. Questions asked, questions answered – both pros and cons – and all postings very professionally written by everyone.

    Knowing how I “took time to dig deeper” – and all that took only a day. IMAGINE how much research I did on Ameriplan the entire WEEK before I started – LOL!

    Thank you again, Eddy for having this blog and letting us all be here 🙂

    Colleen …. well, thank you so VERY much!

  115. Hey Eddy!

    I just want to say that I too was an Ameriplan IBO several years ago, and even though I didn’t do too well with it at that time, I still think it could be a very profitable and legitimate business for anyone who has the time to put into it. I came to this blog because I was thinking of trying it again ( I didn’t even know that they had dropped the sign-up fee, which makes it even more attractive), but I was wondering if the recent health care reform bill would have any effect on the business. I believe Bobbi would be perfect for answering this question for me. Thank you both in advance.

  116. @Dennis:
    Hi Dennis!

    What a nice posting! I love your story – only because I’ve “been there, done that” – lol! One of the keys to success in any business is you have to have a passion – or enjoy – doing what you’re doing. If you don’t enjoy talking on the phone, then don’t … we do have other methods of working Ameriplan, but in all reality it really doesn’t sound like it would be a good fit for you. I, too, recommend you talk to Eddy about Wealthy Affiliate or some of the other companies on his site here. Like Ashleigh, I think most of us do some affiliate marketing (not like Eddy does – full time) just through the resources that we use. Eddy has been very successful with WA and this site and I’m sure he will advise and guide you in the right direction.

    Best of luck to you in your future endeavors – be sure to keep us posted on how you’re doing, ok?


    • Dennis,

      I’m glad you spent the time to read this article and have come to the correct conclusion that Ameriplan isn’t a scam. Like any company it may have some flaws and may not be right for everyone but it’s definitely not a scam. So I’m happy you were able to get that from the article. As you can see there are a lot of great reps here that try to give a balanced view of the company and are willing to address allegations and the cons in a professional manor. So at the very least you can see how professional some of these folks are.

      In any event, I can only imagine what you went through as tech support rep. People are terrified of technology which makes them inept at it. Ironically many of these folks have fancy degrees and have managed to learn other more complicated things in their lives. But because of their irrational fear of the word technology their brain shuts down. I’m only speaking from experience because I have a lot of family members and friends that I am the designated tech support for. lol With that said I can see why you definitely don’t want to be involved in any more type of phone work.

      There are some folks at Ameriplan that have managed to make it work with little phone work but most people will be honest with you and readily admit you do need to be a phone person to make it work. Obviously like you working for the man has always been a habit I wanted to shake off. Fortunately for me I have and have been working full time at it for the last 3 years and doing very well.

      The path I and a lot of folks have chosen is affiliate marketing. I’ve already mentioned this at the start of the article and that’s actually my recommendation for folks willing to put in the work of running their business. At the end of the day like Ameriplan this involves a certain mindset (which you seem to already have.), work ethic and unwavering resolve to push forward even when running into obstacles. Any business owner that is honest will tell you the road to success is rough. It usually means running into a lot of failures and let downs. But if you adjust along the way and push forward you’ll one day be home like me getting paid to yammer on on a blog like this in your boxers. lol

      The biggest advice I can give you is to ensure you get the right guidance via a training program, mentor, etc. Don’t go it alone! This is where people make huge unnecessary mistakes because they’re afraid of investing in themselves or in some cases can’t afford to. There is absolutely no reason to repeat the mistakes others have made when you can learn from them. So get the proper guidance. Learn from people that have proven success and mimic them. Don’t look for advice or guidance from people that haven’t achieved what you want.

      Although affiliate marketing has worked wonderful for me and many others, it doesn’t mean it will be the right thing for you. So be sure you explore all the legitimate business options out there. Always do your research as you’ve done here. Don’t fall for anything that sounds too good to be true because it usually is. There is absolutely no such thing as fast easy money that you can totally live off. If it were that easy, we’d all do it. So always keep that in mind. In any event, I would encourage you to read the following articles that will provide you some options to consider:

      I hope this has helped you. Obviously some of the Ameriplan folks have given you some great advice as well. So take heed of it. Whatever you do, just make sure it’s right for you. Don’t let anyone pressure you just so they can make their commissions. Take Care.

      P.S. Thanks Ashleigh & Bobbi!

      That’s what I really like about you. You literally took time to dig deeper regarding the allegations and came back here to address them one by one and waited at least a day to ensure you have the right information. Gotta love it! Thanks for the additional information and always being the professional that you are. Every time you chime in, it’s a reminder to me why you’re so successful with Ameriplan and probably everything that you do in business. It’s a pleasure to have someone like you here chiming in on these discussions. So thank you!

  117. Hi Everyone!

    Sorry it has taken me this long to post something in reference to Anonymous’ posting above, but I took the day – or most of it anyway – doing some research of my own :). Being a former Provider Rep, I am glad to see that Laura responded as well! Laura is considered one of the “experts” on our team in this area 🙂

    First, I would like to say that I was flabbergasted to see an NSD (if in fact this person is an NSD) would post something of this nature – and as Eddy noted above – without any backing to verify the alleged claims.

    Secondly, in response to “MEMBERS will save money by using the plan and BROKERS will definately make money by recruiting other individuals” … as a reminder, Brokers ALSO make money by enrolling MEMBERS, not just recruiting others. I know of many IBO’s who have made their RSD promotions enrolling ONLY dental and health members – 3 of which are on my team! None of them have recruited anyone – nor have they even tried because they choose not to – this is one of the choices we are allowed to make – we can do one, the other, or both. As for Anon’s residuals drastically reducing “in the past 10 years” – this could be due to various things which I won’t go into because that is really irrelevant, so let’s get on to the “problem”.

    “AP let go of over 100+ Provider Relation Reps over a year ago” – yes, over a year ago … and old news! I think Laura did an excellent job of covering this so I will move on to “left our providers … dangling and at odds with what is actually going on in the company.” I took the time today – seeing as I had to call my doctor anyway – to call ALL of my doctors, dentists, chiropractor, surgeons, allergists, optomotrists … all of which are providers with Ameriplan. Now mind you, I did not call ALL the providers in the entire nation … but regardless, not a single one of them have any problems with Ameriplan. Each one of them indicated that when they call the Provider Relations Dept with questions or needing help with something, the responses they receive are very “helpful, courteous, and promptly answer questions or help”. I also personally know the former Provider Rep for this area, so I also asked everyone about him – just to see what they would say. The response was the same “gee … he used to call us every so often, but we haven’t heard from him in a long time” – no one seemed concerned seeing as they were happy with the help provided by the PR Dept. So – my question is – WHY would providers be cancelling? Because their patients give them grief?? Heck, even PAYING patients or those covered under insurance give providers grief – lol!

    Moving on … I have not seen AP “steering members into other products.” Like any other company in any industry, Ameriplan came out with a new product – there is nothing wrong with this, especially since there is a NEED for it – that is the IDSecureNet Plus. Ameriplan has NOT done away with their Dental Plan “what made them big to begin with”. As a matter of fact, when all these postings were being made, I was enrolling a Dental Member! I have another one scheduled to be enrolled tomorrow! The only plan that was discontinued was the Basic Wellness – because no one enrolled in that plan, so obviously there was not a NEED for it. As for Total Health – yes, we still have that … AND I am also enrolling a member in that plan by week’s end! If any of these plans were done away with I – and others – would not be enrolling people in them 🙂

    Brochures? Funny … I just received my order of brochures last week – for both the Health and Dental plans AND the new brochures for IDSecureNet …

    Lawsuits … what company doesn’t have lawsuits against them? Does Ameriplan – who knows? “Too many to mention” but they’re like “finding a needle in a haystack.” They have so many lawsuits, they can’t be found? Anyone ever see the commercials on TV for attorneys? They’re a joke – they advertise bankruptcy, divorce and every disease imaginable. Like Laura said above, attorneys will do anything to make money – take any case, and if it’s not a case – find a way to make a case out of it – lol! HELLO! Look at McDonald’s – got sued because someone got burnt from their coffee! Be careful everyone – if someone looks cross-eyed at someone else, an attorney will find a way to make a good case out of it!

    “some of you are looking to do something legitimate and lasting and need a REAL job, I would look elsewhere” – GO FOR IT, ANON! Personally, I will stay with Ameriplan – thank you. I’ve been in the corporate “rat race” – there’s no guarantees out there either! My son-in-law had a “REAL job” – he’s been out of work for over a year now and can’t find another job; my son lost his job – he’s training to be an OTR truck driver because that’s all there is out there. With Ameriplan, I have CONTROL over my income, my work hours, my family time – my BUSINESS. I have watched small businesses nationwide shut down, layoff, merge, etc due to lack of business in this economy. My Ameriplan is a small business – but I’m still making money because I work my business – I still have income … Personally, I do not want a JOB (Just Over Broke) – I want my Ameriplan business. I’m in my 5th year with this company right now and just as happy – no, happier – as the day I started!

    Have A Great Day Everyone!


  118. @Ashleigh:
    Thanks for the nice comments Ashleigh! I am on the internet alot, so I would really like to make some money somehow. I havent had time to look at much else yet here yet. I am still trying to find a job from the man, as it has been put here. I would love ot build something like eddy has done here, but I know it takes time. Most days I am on the internet all day. I recently signed up with an online college to get a bachelors degree since most “jobs” require it. So right now I am blogging with you, and on a couple other forums I frequent, as well as skimming my school text online and filling out an online job app. I would like to adjust some of that time into doing online activities that make money.

  119. @Dennis:
    Hi Dennis, I’m sure Eddy would agree with me here when I say I’d recommend affiliate marketing. I’m an affiliate for a few programs and my advertising mediums are what send the traffic to my site and the rest is in the bag. I’m very much a phone person ONLY when it comes to talking to people I know already, I have to go through a motivation routine to get on the phone and make my Ameriplan calls but I love the company nonetheless. Prior to finding Ameriplan, I was involved in a few other MLMs but at the wrong time in my life, otherwise I could have really made something huge of myself – I still can! I’m sure Eddy will have some great recommendations for you and I wish you luck on finding what’s right for you!

  120. Hello Eddy!

    And hello to everyone else. I just read through this entire blog .Whew! I came to this site by searching Google for “ameriplan scam” After spending the last couple hours reading this blog, I am convinced that Ameriplan is not a scam, but I am like you eddy, I prefer to not talk on the phone. I can talk on the phone and have before, but I do not enjoy it. I am a computer tech and my first computer job (for the man) was working in a large tech support call center for Sprint. It was a pretty horrible job dealing with people that barely even knew they had a computer in the house,let alone knew how to turn it on. But I am rambling here. I want to thank everyone for all the great info here, but I still dont think Ameriplan is for me. I will be checking out more of your site eddy. I would really like to start some businesses where I can support my family. I have been unemployed for way to long and my focus has been getting a job from “the man” But I really dont want that. I never have. I hate working for other people. I am not a materialistic person, I really only want enough of the pie to support my family and buy my own house someday. (Rent is such a waste of money) If you have any specific suggestions for me I would love the advise. I have tried MLM plans years ago and got burned a few times. None of the internet based programs I tried lasted long and were just all pie in the sky claims. I want to do something that has a good product that I can believe in. I worked for a telemarketing company once that had an iffy product , but I came into the office and spent all day on the phones taking peoples money for weeks and then one day showed up for work and the office was gone. That was fun! SO I have been scammed by some of the best and have learned to be wary. Actually paranoid! I would love to check out some of your recommendations and see if any of them are for me. Your site seems honest and balanced as you said of some people here. Thanks for a great site.

  121. @Eddy Most definitely Eddy, I agree. Failing to divulge your identity isn’t proof in of itself. It just makes me suspect. While I believe it’s a good thing to get all sides, when ambiguous comments/allegations are made, it’s easy for people (without firsthand knowledge) to rely on them as fact and not see them for what they are – subjective opinions. I saw A LOT of these ‘subjective opinions” when I was first researching the company. However, when I dug deeper and got the facts surrounding what REALLY happened…

    Trust me, as an IBO with Ameriplan, I do NOT look at the company with “rose-colored glasses” – to the contrary, I ALWAYS question EVERYTHING and am ALWAYS looking objectively because that’s in my best interest as well as the best interest of those I bring on board. “Blind trust” has never been a trait of mine LOL

    • Laura,

      I totally hear you about people jumping to conclusions based on a few subjective opinions! It actually speaks to a larger problem in our society where folks have become mentally lazy and don’t want to do the additional reading and digging that you and I will do. So I can totally understand the need to chime in strongly when ambiguous comments and allegations are made. That’s why we give folks like you this platform. Hopefully people that visit this blog are the type to read between the lines and dig further.

      I also appreciate your perspective about Bling trust. I feel the same way. Thanks again for chiming in. This is the type of conversation I was expecting.
      It’s a beautiful thing to see when adults can use their words in a constructive way without resorting to the childish behavior we often see in politics and other forums. What a wonderful world this would be if we could practice this more often. Well let me get off my soap box and walk my dog. lol

  122. @Ashleigh:
    Hi Ashleigh, I for sure wasn’t causing trouble….lol… And I did state my opinion, probably a little too bluntly at first ;). No worries, Eddy handles everyone’s comments here with great fairness, even if they don’t identify themselves. I greatly respect him for the honest, fair, respectful and open blog(s) he has created! Jayme Boyles

    • Jayme,

      I really appreciate the comment and where I was coming from here. You totally understand the type of platform I’m trying to have here. Thanks again.

  123. Hi ‘Anonymous’ With all due respect, in my experience, if someone has an honest motive for their comments/advice or what have you, they will have no problem identifying themselves. So not doing so, to me, is Very suspect and normally indicates an ulterior motive. Not that I’m saying this is the case here, but that’s just been my experience.

    I was one of those 100+ provider reps that were “let go” so I too have an “inside track”. I did stay on as a volunteer (as have others) to help out in our respective areas. We just don’t get paid for it anymore. However, it made sense for me to ‘stay on” because my focus was always on “bigger picture” (the direct correlation to our long-term RESIDUAL income potential) and not just the “Immediate Gratification” of that immediate cash for the activities (there was A LOT of money to be made). Yes that was nice too but because it helps my business (residual pay), that LONG TERM FOCUS carried more weight TO ME.

    While I do not like the fact that there are no longer reps in the field, I do understand why AND let me just say knowing what I know, if I was the owners of the company, I would have done the same or similar (or at minimum revamped everything) because A LOT of money was going out the door – much more than should have.

    Yes, there are disadvantages to not having them but really it’s no different than any “insurance company” – THEY don’t have field reps that visit the offices on a regular basis either. Having the field reps was a “nice to have”, not a “need to have”. AND there is still a corporate staff that providers can go to and whenever I’ve had to get something resolved or a question from a provider…WHATEVER, Provider Relations has always responded/followed up promptly. AND whenever I send in a referral request to get a new provider added, they handle those as well. So, our providers DO continue to be serviced just not to the extent they were before.

    Making difficult “business decisions” is no different than any other company especially in this economy. When I worked in “corporate america”, we were ALWAYS having to do more with less due to constant budget and staff cuts. Difficult decisions are necessary if a company wishes to stay in business. That’s just a fact of doing business so you can ‘spin’ it anyway you like.

    Dental and Total Health brochures ARE still available. I just received a shipment of them and they’re available. So, contrary to your comment, the Dental and Total Health products are ALIVE and WELL.

    Lawsuits? Let me just say this – ANYONE can file a lawsuit or make a claim and there are attorneys out there who will take ANYTHING regardless if it has merit or can be substantiated or not. In other words, per your reference “throwing spaghetti against the wall, in hopes that something will stick.” They do this because, oftentimes, a company will instead choose to just “pay them off” rather than fighting it because it’s cheaper in the long run (for the company) even though the company was in the right. In fact, I was just invited to participate in a class action suit. The basis for this suit is a total joke but there you go – “throwing spaghetti against the wall, in hopes that something will stick.” The ‘lure’ of the almighty buck does strange things…
    Bottom line – NO company, NO job, NO business – NOTHING is guaranteed. The ONLY things that can be 100% guaranteed are change, taxes and death.

    Free speech is awesome BUT the downside is anyone can ‘spin’ anything, any way they want. A person can choose to see the negative or they can choose to see the positive. It’s all about perception. Some people will find fault in EVERYTHING.

    • Laura,

      Thanks for chiming in with some facts. That goes a long way in addressing concerns like this. I have to agree with you regarding folks staying anonymous when making accusations like this. You can’t help but question the credibility or motives of a person when they do this. But there are also instances when this is done to protect one’s self from consequences that may or may not be fair. Whistle blowers are often the first to get fired. And when they don’t say something you get disasters like you see with the gulf oil spill. But I digress.

      In any event you’ve made some great points here which is what I was hoping to hear. As long as we just address the alleged claims I’m all for the discussions that are being had here. Thanks again.

  124. Hi Eddy,
    I can’t really say much here because like you said, Anon is making claims with no proof to back them and I certainly don’t want to say anything to offend anyone. I believe Jayme is just stating her opinion, not trying to cause trouble by any means. What I DO know is that Dennis and Daniel have created an outstanding company and given us IBOs a chance we couldn’t get anywhere else. IF Anon’s claims are in fact true, I wholeheartedly believe that the Blooms will do everything in their power to keep this company afloat.

  125. @Eddy Salomon:
    Of course you are right Eddy, I have no intention of making assumptions of anyone on here, everyone has their own personal experience in life and business, and I am not trying to point fingers, sorry if I came across that way. I just have to say that AmeriPlan is constantly working on improving the benefits for their members and ibos….we now receive more benefits than ever being brokers with the company…and our members receive additional benefits and savings as well! The brochures for Dental/Medical are also readily available in the back office, as they always have been.

    If a company is not making changes to adjust to the market/economy/needs of consumers/healthcare reform, etc, whether one person views it as good and another as bad, then they will most likely go under…no matter what type of business they are in. Change is a good thing, and if AmeriPlan were not adjusting to the changes in our country right now, I would personally be concerned, my opinion of course 😉

    As for the lawsuits, I am sure lots of multi – million dollar companies have lawsuits against them, anyone can file a lawsuit, but of course I don’t have any input on those.

    I could be wrong, and I don’t know much about this topic, but I didn’t think Provider Reps had anything to do with ‘regulating’ the providers. From what I know, their job was to give presentations and sign up providers and they were paid accordingly. I do know there is still a provider relations department at corporate that handles the referrals, questions, provider contracts, etc.

    • Jayme,

      This was more along the lines of a response I was looking for. 😉
      You addressed the concerns head on which is what I think people who visit this blog want to read about. So thanks for doing that. I totally agree with you about companies needing to adapt and change with the times. It’s when companies fail to do this or do so too late is where issues arise. I also have to agree with your point about lawsuits. Any company that makes millions or billions of dollars receives a large number of lawsuits some are frivolous and some are with merit. So with that said you and Anon are right here. Because for all we know there may be some valid lawsuits in the works. But from my 7 years of corporate experience, those lawsuits tend to go away with a private settlement and the company working behind the scenes to address the issue. Either way, you’ve made some great points to address some of the alleged claims and that’s what I think some folks wanted to read about. Thanks again for being the professional you are. =)

  126. Maybe anon is a little annoyed that he made money being a Provider Rep…understandable, and they let that go as they don’t need more Provider Reps and maybe he just didn’t keep working his biz for the whole 10 yrs…of course your residual will go down if you just work a few years and stop, just sayin 😉

    • Jayme,
      I don’t want to make assumptions about anon and he or she’s work ethic. Otherwise this becomes watered down to personal attacks which you already know this blog isn’t about. So let’s all focus on some of the alleged claims and addressing why they’re misguided if in fact that is the case. I know you and many of the reps that frequently post here are professionals and I don’t expect that will change. Thanks.

  127. Hello Everyone…….I have been reading these “blogs” for hours and really don’t have that much more time but wanted to share a few things with all of you that some of you may or may not be aware of.

    I have been with AmeriPlan for over 10 years now, rose to the top as an NSD, still receive residuals, which have drastically been reduced in the past 10 years, have known the owners of the company personally, have actually driven them around in my car. Having said all of this, MEMBERS will save money by using the plan and BROKERS will definately make money by recruiting other individuals by throwing spaghetti against the wall, in hopes that something will stick.

    The problem is this…..AP let go of over 100+ Provider Relation Reps over a year ago, which left our providers, both Dental & Medical, along with Chiropractic dangling and at odds with what is actually going on within the company. This was done in an attempt to save money, however, without providers, you have NO product. Eventually, these providers will be cancelling, as many of them do not see patients anyway and the ones they do see, give them grief.

    Ever since this has happened, AP has shifted geers a little in an effort to steer members into other products. As you can see, there are no longer medical or dental brochures available. This should be a RED flag to all of you flag-waving AP brokers. Instead of going back to the “Dental Plan”, something that put them on the map, they’ve decided to do away with what made them big to begin with. However, in order to have medical and dental providers, you have to monitor those offices to make sure they are following guidelines, for the safety and concern of their paying members…..without this, it will just be a matter of time until every state is receiving complaints against them and they become a statistic.

    There are many lawsuits pending against them right now, too many to mention as it’s like finding a needle in a haystack. So just know, for all of you making good money right now, enjoy it while it lasts…..I will be doing the same thing, but as far as the company goes, they have buried themselves in many people’s estimation. The brokers did what they were told to do and followed all the rules, Corporate is who failed us!!

    For many of you, what I have said in this blog appears to be hearsay……just know, I continue to have my sources which communicate with me daily, so I have a little inside track. If you don’t believe what I am telling you, just stay tuned because you will. I have tried to remain neutral in this remarks as there are both “pros and cons”, but when I hear that some of you are looking to do something legitimate and lasting and need a REAL job, I would look elsewhere!! For many of you, you are blinded by those monthly residual checks and don’t want to see them come to an end……trust me, I know how that feels but you haven’t had a taste of what’s on the other side of the fence…..I HAVE!!

    • Anonmyous,

      Thanks for chiming in. I can see there is probably some truth to what you’re saying. But the problem is there is no real way to verify your claims. So it has to be taken with a grain of salt. That being said I don’t get a maclious tone in your comment so I don’t think there is mal intent. Either way it would be great if you can back up some of your claims. I’m sure other brokers will chime in to discuss these claims. But thanks for sharing.

  128. Excellent stuff guys/gals. It just boils down to that you have to understand the dynamics of the industry and the business model to really be able to appreciate it and much of the skeptism in the mainstream comes down to a lack of education/understanding.

    Just to touch on a couple of your questions Sean…

    Federal EIN:

    With Ameriplan, you’re an IBO (Independent Business Owner) which basically means “Independent Contractor”. So, you operate under your social security number for tax purposes or you can choose to get an EIN.


    Yes, technically, this is “Sales”. However, when we say “no selling” what we mean is how business is conducted.

    Most of us are not out there trying to convince/sell people on the business or services. What we are doing is educating people on what we have to offer and if it’s a good fit for them and their families, great and if not, we move on to the next person who requested information. Yes, a person can choose the “hard sell” approach but personally I don’t operate that way and certainly don’t train my team to either. AND I believe people who do choose the “hard sell” approach, are really just wasting their time (e.g. if you have to convince someone to join, you’ll be convincing them to build their business, they usually won’t, will quit and you just wasted both your time). The person has to want it and the timing has to be right for them. Amateurs try to convince, professionals sort (sorting through people to find the ones who “get it” and are ready to get to work on reaching their goals.


    This isn’t “corporate america” where you’re limited. The beauty of this industry is that ANYBODY can reach WHATEVER goals they want PROVIDED they are willing to put in the effort necessary. So, the speed of which you promote is based solely on your efforts.


    This analogy is about “duplication”. Every McDonalds is operated the same and it’s this “duplication” that makes it so successful. So, in network marketing, for the masses to be successful, you have to have a system that anyone can easily duplicate. And with Ameriplan, you also already have the creditability and name recoginition of an almost 20 year Industry Leader from day one so it is like starting your own franchise.


    To start and operate a traditional business, you need LOTS and LOTS of capital among other things. With Ameriplan, for $50 a month, you get everything you need – the system to run everything, legal dept, provider relations, customer service, IT, websites, hosting, training, etc. etc. etc. – it’s pretty amazing when you really think about it. What the network marketing industry does is level the playing field.

    P.S. Add Warren Buffet to the names above.

  129. @Sean:
    Hello Everyone!! Eddy, I really wanted to insert an article from “We Want You to Be Rich” Robert Kiyosaki and Donald Trump (hope that is OK ;). They actually have some valuable insight on how a GOOD Network Marketing Business is an Ideal Business Model and how Corporate America is the TRUE Pyramid.
    Everyone has their own experience with trying MLM, and I do not agree with not knowing the name of the company, so I can understand how you, Sean, were left with a bad taste in your mouth with MLM in general. That however is never the case with ANY teams within AmeriPlan – everyone that becomes an IBO knows who we are, what we do, who our providers are, where our corporate office is, and what is expected from them once they start. Not to say there might be the occasional sponsor that is not so involved, but I know on the Freedom at Home Team that is the norm. The company actually has some amazing owners that are involved in the day to day operations of the company, just as they were almost 20 years ago!
    Here is the insert from the book, hope it can help anyone looking at Network Marketing to understand the power of it if they find a good company that offers a great service or product that they can get passionate about!

    We Recommend Network Marketing
    Donald J. Trump & Robert T. Kiyosaki

    Inserts from the book Why We Want You to Be Rich:; both Donald Trump and Robert Kiyosaki speaks candidly about achieving wealth, the different between how rich and poor people think, the shrinking of the middle class, how to make yourself rich, leadership, why they want us to be rich and why they recommend network marketing.

    Donald Trump and Robert Kiyosaki are both concerned that the rich are getting richer but America is getting poorer and is becoming a two-class society. Soon you will either be rich or poor. They both blame a huge part of the problem on lack of education; but they focus on a different type of education, financial education. They are teachers with personal goals of trying to educate as many people possible.

    They both state that the best way to solve the problem of bad financial results is to change our thoughts to start thinking like rich people rather than poor and middle class people. That means losing the entitlement mentality whether you are a military officer, government worker, schoolteacher, employee or just poor. If we keep expecting the government to take care of us, we will continue to have the same results a bankrupt nation filled with well-educated but financially needy people.

    The book mentions three levels of financial advice: advice for the poor, advice for the middle class and advice for the rich. Poor people are counting on Social Security and Medicare, the middle class counts on getting a job, work hard, live below their means and (like the poor) are just broke on another level. They invest hoping not to lose; while the rich are investors who work and invest to win. The goal is to teach people to expand their means, thinking, attitude, improve their quality of lives.

    8 Network Marketing!
    By Robert T. Kiyosaki

    Ask yourself where can you find a business that will invest time in your education, your personal development and building your own business? Answer: Network Marketing! Below is the question that Robert wants you to ask yourself.

    Do I have what it takes? Am I willing to go beyond my comfort zones? Am I willing o be led and willing to learn to lead? Is there a very rich person inside of me, ready to come out? If the answer is �Yes�, start looking for a network-marketing business that has a great training program and get started today!

    8 Why?

    Network-marketing meets several criteria Robert Kiyosaki looks for in a business or investment. Those criteria are:

    1)Leverage: Can I train other people to work for me?
    2)Control: Do I have a protected system that belongs to me?
    3)Creativity: Will the business allow me to be creative and develop my
    own personal style and talents?
    4)Expandability: Can my business grow indefinitely?
    5)Predictability: Is my income predictable if I do what is expected of me? If I am successful, and keep expanding my business, will my income increase with my success and hard work?

    8 Isn’t Network Marketing A Pyramid Scheme?
    By Robert T. Kiyosaki

    I am often asked if network marketing is a pyramid scheme. My reply is that corporations are really pyramid schemes. A corporation has only one person at the top, generally the CEO, and everyone else below. A true network marketing business is the exact opposite of a traditional business model. A network-marketing business is designed to bring you up to the top, not keep you down at the bottom. A true network-marketing business does not succeed unless it brings people up to the top.

    8 Additional Points Worth Mentioning:

    1)Tax Breaks Increase: By starting a network-marketing business in your spare time you gain the advantages of the rich. You part-time business can take more tax deductions that employees.
    2)Meet Like-Minded People: Surround yourself with team members and friends who understand why you do not want a stop dreaming, keep a steady job or paycheck.
    3)Give Yourself Time: Remember just like it would take time to become a doctor of lawyer, it will take time, investments and dedication to get to the top of your opportunity. The price for success in any venture is paid in full and up front.
    4)Network-Marketing Companies are Patient: One of the beauties of a network marketing business is that the company will invest in you, even if you are not successful; while the corporate world will often fired you if you are not successful in the first six months.
    5)Leverage the System: There are systems already tried and proven, which allows you to hit the ground running instead of trying to build the internal systems of a new company.
    6)Conclusion: There are a lot of unique benefits the network-marketing industry offers people who want more out of their lives.

    8 Donald J. Trump Adds:

    Marketing is a powerful tool, and network marketing can increase that power, provided you are self-motivated. In a simple visual, see a product and then remove the advertising agency from it. It really is up to you! You need to be passionate enough to get it going on your own and to keep the momentum and motivation going at a high level. It requires an entrepreneurial spirit, and that means focus and perseverance.

    The poor is getting poorer and the rich are getting richer;
    which are you?

    One of the reasons so many people feel insecure today is because school never taught them about the importance of control in their lives.
    Robert T. Kiyosaki

    We’ve realized the situation will not change so the answer is for us to change.
    Donald Trump

    An important personal skill required for any business is leadership. Are you able to overcome your own fears and have others overcome their fears in order to get the job done?
    Robert T. Kiyosaki

    People who are capable of thinking for themselves will rarely be part of any herd

    Donald Trump

    • Jayme,

      It’s ironic you mentioned this book as I read it a few months ago and I thought it was genius. But I feel that about most of Robert’s insight into finances.
      I’ve always felt that corporate america was the biggest MLM and sometimes ponzi scheme (not to say they are interchangeable terms.) ever. But like so many things that have been taught to us by society from day 1, we come to accept them as a norm. I also never thought working to make someone else rich the rest of my life was normal. But I had a very different perception than most which is the case for most entrepreneurs. So it makes sense that most people think that the way corporate america is structured is normal but how an mlm isn’t. It’s about perception. Perception is a very powerful thing. The fact that people will spend 20 something years of their lives working to make someone else rich and all you just get a slap on the back, maybe a gold watch and maybe even a pension as thanks is the biggest scam ever to me. But it all boils down to perception. Fortunately there are some of us that can see the “Matrix” for what it is and work our way out of it. But sadly most of us will be doomed to the status quo. As they suffer they fate it’s only natural they’ll look at folks that don’t with a skeptical eye. After all they don’t know any better. This is what they’ve been taught from day 1 so it’s sort of hard to break someone out that mentality.

      In either case, I’m glad some Ameriplan folks are chiming in and keeping the conversation respectful. It’s always great to have different points of views this way folks can think it over for themselves without all the nonsense of name calling and the childish behavior we see on TV, in Politics, etc.

  130. Good Afternoon Sean and Eddy!

    I must say Sean, you sound like the leader of the skepticals to me. I’ll say first that I understand that we ARE in sales, no matter how much you decide to sugarcoat it. The point is, we don’t want to be thought of as someone who’s going to breathe down your neck night and day until you enroll with us. There.. are some of those people with us, but most of us are not that way. You mentioned Amway and that’s a company I try to steer clear from (my in laws are into it and use every available chance they have to hand us a product sample or bring it up in hopes of us kids ‘joining the family business’).

    Excuse me while I jump around here, but as far as promotions go, the only difference between receiving a promotion in Ameriplan and a j-o-b is the time it takes for the person to receive that promotion. Not everyone will receive their first promotion within 2 weeks. Although Coporate has been gracious enough to give us an easier pathway to Regional Sales Director, it does take some months to get there – and for some, it’s the pathway they needed to realize Ameriplan is not the company and opportunity for them. Either way, when you receive a promotion with us, it’s because you’ve worked hard to put business on the books and you’ve reached the threshold at which the company has set for us, as a GOAL. Our other promotions occur when our team members have reached their promotions – which makes sense… we’re being rewarded for training and leading the other Independent Business Owners that we personally brought in. You seem to be confused and actually disappointed that Ameriplan has made it a simple path to walk to promotions rather than that high and mighty corporate ladder with several co-workers climbing it with you, competing for that big promotion. I’m proud to say that Ameriplan doesn’t want that for us. They’re providing us with an opportunity to reach our dreams without the corporate rat race and headaches, and to get what we deserve.

    And we don’t upsell programs and tools to make our IBOs successful. We’re upfront about the different ways to enroll, and once you enroll, you’re given a majority of the tools you need to succeed. What we don’t provide you with, is the fire within. That is something you must have for yourself.

    As for the franchising, I’ll be honest – I don’t know a thing about what is involved with the term ‘franchise.’

    Oh, and the FEIN, all he should have had to do was provide you with his social security number, as that is the FEIN for Independent Business Owners.

    It’s sad that so many people are against MLM, because Heaven forbid they have to work for something. MLM is all around us — every company has the big wig at the top, and the tiny person at the bottom making them rich. What are people so scared of? Failure? It’s a sad thing but there’s only so much that we as enrollers/mentors/coaches can do for our team in terms of providing them with materials. It’s up to them to take steps into personal development and to take what we have given them, and use it to their advantage, just like it’s up to en employee of a company to show up on time, clock in and get to work, using the appropriate training their company has given them to handle their job duties accordingly. It’s up to them to show the company what they’re made of.

    I’m sorry you had a less than ideal experience with Amway, that seems to be the going trend among the few reps I know of, but that shouldn’t shoot you down from other companies that have integrity, passion for what they do, and a goal to help America in the most sensible way they can.

    Ameriplan is the door so many people need opened for them, if not for them to jump in and take control of their lives, but at the very least to show them that a better life can be lived than working a wage restricted but time consuming “9-5” just to live paycheck to paycheck and possibly be forced to slave away at a 2nd job. To some, that’s called doing what you gotta do but to me, that’s called slaving away to simply exist in the world.

  131. By the way, legitimate companies give their employee’s the tools to succeed. They do not require them to purchase bigger, more accessible “start-ups”. And to whomever used the McDonalds analogy… When you purchase a Mickey D’s franchise, you are purchasing nation-wide advertising, over 60+ years of reputation and brand marketing. You are also required to attend training that involves actually getting into the business and doing the work for quite some time around an established current franchise. Trying to compare any of these MLM schemes to an established franchise system of operations is like comparing a first year little league team to the New York Yankees.

    I am pleased that there are some people that do okay in this, but I really have issues with the fact that you are doing so at the expense of benightened souls that have bigger dreams than wallets.

  132. Hey all!
    I’m just reading this because I chose to Google the company after hearing about it from a gentleman who came into my office (I am a Business Service Consultant) and wanted me to help him recruit for his “business”. Forgive me, but I only read about halfway down the comments section due to time constraints. The gentleman explained that he was an Independant Business Owner for two separate companies, Ameriplan and Ignite. He wanted to post an advertisement for recruitment to both of these “businesses”, and needed to know what to do. I explained that to assist him, we needed his FEIN. That seemed to totally perplex him. We post jobs for businesses on a state-run job board so the FEIN is necessary to post. He didn’t like this at all, and really didn’t like it when I said we don’t post for commission only or MLM “business opportunities”. The bottom line is that I advised him to acquire the necessary information and bring it to me and I’d see what I could do. My assumption is that I probably won’t see him again, and to be honest, I’m happy about that.

    I got caught up in a MLM venture about 6 or 7 years ago. “Team of Destiny” ring a bell to anyone? When my upline recruited me (heavily I might add), they talked about how they would be retired within 5 years, living off their residuals. I was told that there was no selling involved (sounds familiar, right?). I see here where folks are stating that there isn’t any selling involved, only answering questions. Well, to answer those questions involves “selling”. Call it what you want, inoculating, informing, educating, whatever… It’s still sales. A sale occurs everytime you speak to someone. You are “selling” them on your ideas, words and beliefs. Is it hard-selling? No, probably not. Is it indirect selling? Absolutely! When you try to convince someone, even if they want to, invest money in something, a sale or sales pitch has just taken place. I’m not calling anyone a liar. I’m not saying some of you don’t believe it is exactly what some of you are saying. I am merely letting you know that you cannot sit here and tell someone that inquires about this that there isn’t any selling going on.

    I am also interested in the “promotions” after two weeks. In what business model can one legitimately get promoted inside of two weeks? In my work I am around some very successful and driven people that would passout if an employee asked to be promoted within two weeks. I don’t care how talented, successful or driven one is, a truly legitimate business is going to make someone earn their keep by sticking it out for a while. I dig the fancy titles, though. I have to ask, how many RSD’s are in a single region? How many NSD’s are there in the country?

    One last question and I’ll be gone…

    Who owns this company? Has anyone done the necessary research into that? When I tried the Team of Destiny debacle, my upline and everyone else in the state rallies swore up and down that there was no affiliation to Amway. Guess what? I told some of the people I tried to recruit (thank God they were all smarter than me) that there wasn’t any connection to Amway and I got called on it when a friends wife pulled all the info she could and made me eat my words in front of my upline sponsor, who in turn looked completely baffled and had to call his upline to find out how to argue that particular bit of information. We were told that Amway has excellent products and that T.o.D. was proud to carry such a prestigious line. BS!!! I realize that there isn’t anything here saying “Get rich quick!”, but doesn’t anyone see what they are implying?

    Wake up, find a real product and get to work!!!

    • Sean,

      Thanks for chiming in. I appreciate the different point of view and even agree with some of your statements. But not with all of them.
      Yes sales is sales no matter what you label it because you want a prospect to take an action that gets you paid. How that is achieved can vary depending on the person.
      If someone comes to me and asks where they can find a laptop of a certain brand and configuration and I send them to the exact page on Amazon that I also happen to be affiliated with, I’ll make a commission if they buy. But in that person’s mind I’ve helped them get exactly what they want. They expressed an interest and I just guided them to one that provided them exactly what they need and happens to pay me. If you asked that person if they felt like I sold them something, they would probably say no. He helped me find something that I already needed.

      So although technically it is sales, how it’s conducted and it’s perception varies depending on the individual. If you want to get technical about it, sales is also a form of customer service. A customer has a need or problem and you serve them a solution. Some folks don’t like the word sales not realizing we all sell every day.

      Here are some examples. When you convince your husband to go and see that God awful chick flick you have sold him that taking you would benefit him because it makes you happy. When you tell a child to stop acting up in the store because when you get home you’ll give them a treat, you’ve sold them on the idea that behaving will benefit them. So to your point we all sell. But people just don’t view it as sales. So my point is it doesn’t really matter what you label it. Either way the business is explained as such. Now with that said I have seen where some folks aren’t as up front about this initially. It may not be ethical but I think a lot of the reason is that because people assume they can’t sell because the word scares them. They think of greasy car salesman as soon as you mention the word sales or marketing. But if you tell people you’re getting paid to help people find solutions, it takes a way the sting. But it’s still the same thing as sales just without the dirty connotation. The perception is different.

      So I understand where you’re coming from. But I also understand the flip side. Sometimes some people have great potential to be sales people because they are so good at helping others. But since they fear that word they may not give it a shot. You illustrate it a different way and that person may be willing to give this a try and do very well.

      In terms of this whole promotions thing, Look there are a lot of things that don’t happen in “the real offline world” that do happen online for better or worst. Limiting your perception just because of what your experiences or observations are in the real world can be a recipe for disaster. For instance in the real world I never knew anyone that was able to work at home for a living. If I followed your line of thinking I would just believe it wasn’t possible. As a result I would still be in corporate america slaving away for the man and hoping to rise up that corporate ladder which is really more based on the whim of a given manager than your hard work which you basically attested to. However instead I chose to ignore all the naysayers in the offline world and decided to find a way to make money at home. At first it appeared they were right and I got scammed. But because I refused to give up and really believed it was possible, eventually I found a few opportunities. They only paid a few cents. Whereas everyone else laughed I saw it as proof positive you could make money at home. Now it was time to magnify the effort. Years after that I finally did it and now i work at home full time and my wife no longer needs to work. Keep in mind this probably would have happened a lot sooner if i had training or support system. Nonetheless it did happen and it started with the perception that was limited to what I saw in the offline world.

      So I don’t think that argument holds much weight for me. Some people can achieve incredible success online than they did offline by putting in the same work or less depending on the situation. Just because your reality hasn’t experienced it doesn’t mean it can’t happen. That in itself is the problem today. People have placed limitations on themselves. But I can’t really blame them because society and family has done that to you from day 1. So I can see how we all become victim to it. So that’s pretty much how I feel about your earlier points.

      That’s just my two cents. I’m not a member of Ameriplan so I can’t speak to who the owner is and the later stuff you mentioned. I leave it up to the members to discuss that.
      Either way I appreciate your comment. You definitely gave some interesting feedback that should cause people to think which is always a great thing in my book. So as long as we keep it civil and like mature adults, I’m all for a healthy debate. Thanks again.

  133. Eddy,
    I just wanted to let you know you have a wonderful blog here! I also found a GOOD upline in Ameriplan and spoke with Bobby she is a jewel! Its good to have civil people on a blog that is unusual in these days and times.

    • Thanks Colleen! I’m glad you’re working with Bobbi. I think you’re in great hands with her. If you’re willing to work hard I’m sure you’ll thrive under her guidance.
      In terms of this blog, it’s only civil because of the like minded folks that frequent it. Trust me when I say we do get some people that want to make this a negative place. But fortunately I control the flow of people that are allowed to comment and that makes for the positive experience you have here. There is enough negativity out in the world. We don’t need more of that junk on the internet. Thanks again for the kind words. Congrats!

  134. @eddysalomon:
    Hi Eddy,
    I have an interview with Gordon Scott, local Ameriplan supervisor, this week. I am not applying for a work at home program, but an admin/office position, as far as I can tell from the ad about the opening. Do you happen to have any stats or info on the success of Ameriplan’s offices and office personnel? Are they good to work for? I am reading many conflicting reports online, but I am broke and really need employment! I already worked for the Kirby (vacuum cleaners etc) company as a salesperson/customer service, which turned out to be a huge scam, and I never got paid at all. That set me back, and I don’t want to make that mistake again!
    Thanks for your feedback, if you have any.

    • Hi Hansi,

      Sorry for the delay. Honestly I don’t have any information regarding this. My experience with Ameriplan is relegated to their work at home opportunity and even that’s limited. So I couldn’t really help you here. That being said if this job doesn’t work out just keep in mind we list new ones every day in our jobs section: so finding one shouldn’t be an issue. Landing it may be a whole other story. You can also earn some relatively quick money with something like Amazon turk and a number of my personal recommendations listed here:

      So you have options either way. At the end of the day, don’t let desperation lead you into anymore scams. Continue to do your research as you’re doing here. I wish I could be of more assistance. Sorry.

  135. BobbI,
    I am a new subscriber and I found your board. I have a question for you. I just signed up with Ameriplan on the 9.95 special and I wanted to know do you just sign IBOs up or do you also market the dental plan. How do you market the dental plan?
    I want to do both. By the way I am a talkative person and some of the people (or most of the people) in Ameriplan seem to be VERY low key and non agressive that impressed me. Im not agressive but some of the people making money in this are NOT salespeople and they are not closers. Something to think about! The way this program and work-at-home opportunity are marketed (and yes its internet driven) its like they let you make up your own mind. I saw one blog a few weeks ago where a guy said if you are not a telephone person Ameriplan wont work for you but I have found some of the top moneymakers are not phone people period.

  136. @Eddy Salomon:

    Thank you so much for the clarification. I took it the wrong way, my fault entirely. I will definitely look into the things you suggested. AmeriPlan sounds like such an amazing business, I just don’t have the time. I would recommend it to someone who did, no doubt. In the future, when my work load starts to slow down (as I’m sure it will, I’m reaching an old age of retirement :P), I would LOVE to try to start up with them again. Give it a second shot.

    I hope anyone reading this does not think that I am speaking negatively on the company, because I’m not. It would be an honor to work for this company. Good luck to anyone who is going through the first stages of starting with AmeriPlan!

    Warm regards to you, Eddy,

    • No worries Kamille! You’re a class act. I think it’s really big that you would acknowledge that Ameriplan is a good company and your leaving is just a function of time constraints.
      Applaud you. I wish you the best. Keep us posted.

  137. @Eddy Salomon:
    I totally understand. I do realize that it will require an abundance of time, any business will. I’m not 100% sure if that was a small jab at my work ethic. Because as previously stated, I have a career right now, I’m a customer service manager for a local phone company. I wasn’t looking to make a full time income at the start of this, but when I saw how many people succeeded, I realized that wouldn’t be too bad of a thing if it did turn out that way. I wish I had the time to put into this, but I just don’t at the moment.

    • Kamille,
      My bad! I definitely wasn’t taking a stab at your work ethic. I was really just sharing my experience and advice in the hopes of helping you achieve your goals.
      So please accept my apology if you took it any other way. Sometimes things get lost in the translation via text. That being said I totally understand your goals now
      and I definitely think some of my personal recommendations may help you with them. At the end of the day you’re honest with yourself and your time commitment
      and there is absolutely nothing wrong with that.

      I hope I’ve cleared the air.

  138. Eddy, in your post you said “you joined twice and dropped them twice” well, I started with them just a few days ago, and realized it is way too in depth for me to do since I have a full time job that already requires 105% of my attention. I thought it would be a side job to make a little money, but it requires so much time and effort that I am just not able to put forth.

    So I’m curious, how do you become unemployed with them??
    I don’t want to be charged $50 again in a month, otherwise I’d just stay and not be active.
    How do I get off their database?

    • Hi Kamille,

      I’m sorry to hear that you won’t be able to pursue this BUSINESS. The fact that you referred to Ameriplan as a job and becoming unemployed with them leads me to believe you went into this with the wrong information or were mislead. It’s definitely a business not a job and as such it does require some decent amount of time and effort to make this flourish whether it’s Ameriplan or any business.

      You should contact your sponsor to determine how to cancel your membership with Ameriplan, although I’m sure some of the reps that monitor this article will chime in as well.
      In the mean time since you’re just looking to make some money in your free time, consider Amazon Turk and some of the other easy opportunities I’ve listed in my recommendations page:

      Many of them are things that you’re probably already doing online but aren’t getting paid for. So they’ll be easy to fit in your schedule.

      I don’t know what your goal is but if it’s to build a full time income from home, eventually you’ll have to sacrifice something to achieve this. I had a full time job in corporate america while still working on my two sites. Eventually the work paid off and I was able to quit my job. But it was a hard balancing act but it was necessary to achieve my goal of freeing myself from “The Man”. So keep that in mind if your goal is to work at home full time. If not I think some of my recommendations will help supplement your income.

      Good luck either way.

  139. @Melissa:
    Hi Melissa. We generate our leads in all sorts of different ways, you CAN purchase leads, but you don’t HAVE to. Most of us prefer to generate our own because a lot of times when you purchase leads, they’re not exclusive to you – although some places if you pay the price, you can get exclusive leads, or so the companies say! There are free leads which are great for practice, purchased leads, and leads you generate yourself through networking and advertising. Bobbi is such a great leader so you can be confident that if you choose Ameriplan, you’ll have a terrific enroller and she’ll show you -along with our awesome training- how to go about getting leads!

  140. @Bobbi Prim:
    All of this is very interesting. I am looking into Ameriplan but what I would like to know is do leads need to be purchased with Ameriplan? Just curios, and when I join I definitely would love you to be my sponser. I just see this as a great opportunity. Thanks all for your comments.

  141. First let me say that I was not thinking straight when I made my last comment about companies adapting to changes. Laura and Bobby, you both presented correct and valid points, and I finally realized what I had said. Stupid me! Second, As for the BBB, I just went through a horrible 44 days of fighting for my money back from a BBB Accredited business after they charged me 2 weeks after I’d returned their product. I JUST now received something in the mail from them saying they are in fact returning my money, and fortunately for me, they have. I guess I’m a lucky one! Still, the BBB should not be your one stop shop for research on a company.

  142. @Sarah:
    Hi Sarah …

    First … the BBB doesn’t consider a business an “accredited business” if they don’t pay a membership fee to join the BBB; to become “accredited” a company needs to ‘join’ the BBB.

    What most people don’t understand is that the BBB may be a resource to check, it’s not really reliable either. They do not investigate companies; companies actually purchase a membership! For hundreds of dollars – I know this for a fact, because when I owned my computer business, they were constantly calling me trying to get me to become a member. In talking to them each time, I learned that no, they do not investigate companies – the companies purchase the membership and are then allowed to put the BBB logo on their advertising materials.

    Ameriplan is also a member of the U.S. Chamber of Commerce and the Direct Sellers Association, and has been for many, many years – did you know that a company cannot be a member of the U.S. Chamber of Commerce if they have any legal disputes against them? Just ONE legal dispute will abolish a company’s membership with them! As for the DSA, they hold companies to the strictest code of ethics as well.

    To help you with your research, here are a couple of reports done on Ameriplan:

    Also … some of our provider base includes Walgreens, Walmart, Target, KMart, Dominicks, CVS Pharmacy, LensCrafters, Pearle Vision, J. C. Penneys and Sears to name just a few. I’m sure you know that companies this large would not affiliate themselves with a company that was not reputable.

    And … I don’t know if you read Parents’ Magazine, but in May 2008, January 2009 and again in May 2009, they did articles on how to save money on healthcare – Ameriplan was one of three companies recommended!

    As for “upfront costs” … the only ‘upfront cost’ is your first month’s fee; in fact for the month of May we have a special promotion whereby the first month’s fee for anyone starting during May is only $9.95! As Laura mentioned above, there are other options/programs available as well, but the least expensive is the Basic Program, which is actually how most of us started.

    I hope this helps answer your questions … if you have any other questions please do not hesitate to ask 🙂

    Have a Great Day!


  143. Sarah, when researching, make sure you’re also looking at Ameriplan’s credentials: Dun & Bradstreet, Direct Seller’s Association, National Association of Dental Plans, US Chamber of Commerce, etc. as those organizations should carry more weight than the BBB. Eddy actually did a write up on the BBB on this blog so you may wish to check it out. Oftentimes people researching companies only look at the BBB and the BBB has it’s “limitations”

    There are 3 options to get started and what we receive is too numerous to list here but if you click on my name, you’ll be able to get a detailed overview of everything. Then you can go back to whomever you’ve been working with and ask any questions. You’ll also gain a lot of feedback from reading this blog. I just believe it’s best for people to get complete details to base their decision whether or not the business is a good fit for them and not just bits and pieces.

    HTH. Thanks, Laura

    • Laura,

      Thanks for pointing that out. To often people think the BBB is the be and end all. It’s a nice starting point but there are so many other factors to consider when joining a company and personally I like getting feedback from various resources so I can develop a clearer picture of a company. Honestly I think anyone can get a nice balanced view of what to expect of Ameriplan from reading the 200+ comments listed above. lol

      Here’s the article you’re referring to:

  144. @Sandy:
    I just looked up on the BBB and they gave AmeriPlan USA and A. That was for the main headcourters, which I thought would be the right one to look up. It does just say that they are not an accredited business. This is why I’m researching this company. I haven’t found anything about what upfront costs are, though.


  145. @Laura Paulson:
    Laura … I couldn’t have put it better myself! And I will also repeat ….

    “The ability for a company to always be looking ahead and adapting to the ever changing marketplace is ABSOLUTELY critical. Failure to do so means they don’t stay in business long term so it’s important to ask this question whenever considering joining any company and should be a key determining factor.”

    Believing in the product or service of a company means absolutely nothing … if a company does not change with the marketplace – like you said – they go out of business … if they go out of business, there is no product or service, whether you believe in the product/service or not 🙂


  146. Ashleigh, I would have to respectively disagree with you on that one. The ability for a company to always be looking ahead and adapting to the ever changing marketplace is ABSOLUTELY critical. Failure to do so means they don’t stay in business long term so it’s important to ask this question whenever considering joining any company and should be a key determining factor. Past performance usually dictates future performance so if a company has a long track record of success, it’s a pretty good indication of continued success… So that was my point.

    You and I may believe in the services or products but that doesn’t carry any weight if the services or products aren’t needed/wanted to the masses in the marketplace. It’s all about supply and demand. Although it is important to believe in what you’re offering, no one really cares what WE think.

  147. Obviously we’ve all got our concerns with what Health Care Reform will bring America, but I feel that it shouldn’t be so much a question of how well a company will adapt to changes in the system, but rather how much you believe in the product and the company and what are YOU willing to do for yourself? Plenty of people say ‘I want to make sure I”m going to make good money doing this, is that possible?” and my answer is always, what you make depends on YOU. Another common question is “how much do YOU make” which with most people, your answer is going to be something like “what I make isn’t going to reflect what you’ll make…” so just take that into consideration. Again, if we’re not making money with the company, why would we stay?

  148. Hi Jodie,

    There is no “Free Healthcare”; however the new healthcare bill was recently passed by a very divided Congress. This does not appear to be the end of the matter of healthcare reform, but possibly just the beginning. Repeal or significant change of this bill has become the objective of many lawmakers around the country.

    Even if nothing were to be done, the major provisions of the new Healthcare Bill will not be implemented until 2014. Until then, healthcare and health insurance will remain pretty much as it currently is.

    Many states are taking the position that the bill is unconstitutional and have taken the steps to sue the U.S. Government. It is deemed to be a gross violation of the “Commerce Clause” of the Constitution and is unprecedented in its reach. There has never been a case where the government has mandated that the citizenry must purchase a product or service or be penalized for noncompliance.

    Because of the uncertainties, it would be premature to speculate how things will look once it’s all said and done. However, Ameriplan has been in business for over 18 years so obviously is tuned in and adaptable to whatever is happening in the marketplace (change is inevitable/constant and companies don’t stay in business that long if they don’t adjust accordingly) and that’s not going to change in the future. Personally, I believe our plans will be even more needed as time goes on. As we know, benefits have been receding for years due to the rising costs and this will only continue (for example, employer insurance plans require employees to pay more and more out of pocket) so our plans will continue to be a great supplement to offset those rising out of pocket costs. In other words, even when you have insurance most people still have significant out of pocket costs due to the limitations, restrictions, waiting periods, deductibles of insurance and these costs will only increase.

    Not to mention the dental (dental is normally viewed as a luxury benefit and the first to go when an employer needs to cut costs (same with vision). Ameriplan was founded in 1992 on its Dental Program (dental is not included in this healthcare bill) and several IBO’s have created significant residual incomes on the Dental alone before Ameriplan even expanded into the medical approximately 4 years ago.

    Also, like Eddy stated, Ameriplan’s Medical Program is just one of the money-saving programs offered.

    If you’re concerned, then just focus on marketing the Dentalplus, SecureNet and AccessSaver.

    Hope that helps. Thanks, Laura

  149. Is ameriplan going to with stand free healthcare that is a consern of mine Iv looked at Ameriplans plan and it looks real good but as a newbie I do have that consern.Thanks for all off your imput it helps Oh and Eddie great site

    • Jodie,

      Thanks for the kind words.
      Last I checked there is no free healthcare. The public health option that would have helped self employed folks like myself was killed because of misinformation, propaganda and other pressures. So what I believe you’re referring to isn’t even on the table anymore. So I doubt it impacts the Ameriplan business model. Furthermore from what I understand they have a larger range of product offerings now anyway. So you have various ways of making money with them. I’m sure Bobbi and some of the other folks will chime in and fill in the blanks for you.

      P.S. It’s Eddy not Eddie. 🙂

  150. @Laura Paulson:
    OMGosh! I am SO sorry! TWO years! WOW! Where did that time go – it feels like just yesterday, huh? Then again, it’s even hard to believe I’m already in my fifth year! You are so right – time does fly when you’re having fun, and yes … we’ve had our fun … and work hard, too 🙂

  151. @ Bobbi – 2 years & 2 months Honey LOL I guess it just goes to show we have so much fun (and yes we also work hard) working this biz together, the time just flies, huh?! 🙂 And it’s been over 2 years for me but my son STILL has a smile on his face when he gets off that school bus in the afternoon because mom is home and not at some office in the “corp america rat trap” 60-70 hours a week. THIS is priceless!

    Great advice you’ve been given Jodie. Make sure it’s a good fit for YOU and then roll up your shelves and get to work with 100% dedication to your own success. I wish you Much Success in whatever you decide to do! Blessings, Laura

  152. @Jodie:
    Hi Jody … I agree with Eddy here – this is a decision that YOU need to make and feel comfortable with. Asking “what do you think” isn’t a good question to ask here – LOL! Anyone looking to make enrollments will tell you “hey! It’s a GREAT company.” You can’t listen to that – with Ameriplan or ANY other company for that matter. It really doesn’t matter what WE think. You have to look at YOUR position, YOUR schedule (how much time can you put into your business, etc.), YOUR goals, what YOU want to do, what YOU enjoy doing. Are you willing to make a commitment to work hard and work at least 10-20 hours per week, consistently, with your business – after all, Ameriplan is not a get-rich-quick scheme.

    What do WE think? Well, Jayme above has been with the company for 3 years, I have been with it for over 4 years, and Laura above has been with Ameriplan for about 1-1/2 to 2 years. What do YOU think that we think? 🙂 I will tell you one thing … if we weren’t making enough money to even pay our bills, none of us would be with the company as long as we are 🙂

    I also agree with Jayme’s comment … the key is choosing the right sponsor/mentor to enroll under. You want someone you are compatible with – someone you can talk to, relate to, feel comfortable with. Someone you feel will BE THERE for you to help you and guide you every step of the way – answer questions, train you properly, provide you the tools and resources you need to help you. Remember this (and again, this applies to ANY company – not just Ameriplan) … choosing the right sponsor is detrimental to your success. Don’t be afraid to ask your prospective sponsor questions related to how they work with their team – how will they work with you – interview him/her 🙂

    On the same token, of course, if you have any specific questions, please don’t hesitate to ask – we would be more than happy to help with your questions … that’s what we’re all here for 🙂

    Have a Great Day!


  153. @Jodie:
    Hey Jodi!! AmeriPlan is a wonderful company with great credentials!! I have been with them almost 3 years and am doing very well. But with any home business it is up to the individual, no matter what the business is. So if you have a drive and give a commitment and have a good sponsor you will be successful!!

  154. Im also looking into ameriplan I have been looking for a great in home business for sometime but iam having a hard time finding one that is honest and that will make you a good income .Ameriplan looks pretty good to me after reading all of your coments .what do you think?

    • Jodie,

      I really think the question should be what do you think? If you’ve read through the article and comments listed above you have a good idea of what to expect. So the question is are you ready to take the plunge into this business and put in all the hard work it requires? Don’t look for others to convince you although I’m sure there would be many that would love to have you sign up under them. But that shouldn’t be the motivation. You need to look into your own heart and be real with yourself. Do you think you have what it takes? Are you willing to make this Ameriplan Business work for you no matter what? So give that some thought. Then make a decision based on that. If you then decide that’s the right thing for you, then feel free to contact any of the commenters above that you felt did a great job of providing you with the best information assuming you’re not already working with a broker.

      Hope this helps.

  155. Wonderfully said, Laura. I agree, it’s important that someone who is looking for immediate financial gratification shouldn’t jump into a business – I think that’s what happened with a lot of the people who join Ameriplan and then quit shortly after. There also seems to be big confusion about who we are and what we offer. Oftentimes when I’m speaking to a prospect, I have to stop and discuss the differences between traditional insurance and a discount program. People are also very afraid of the word “commission.” So many people tell me “I don’t want to sell,” but then I have to ask what they’re expecting to do in life then! Whether you’re working for yourself or someone else, there’s ALWAYS SOMETHING TO SELL, whether it’s a product or service for your business, or your time, services and skills for an employer.

    I definitely feel strongly about creating a “Plan B” source of income, and I think a business with residual income is a great solution. However, I’m not saying that Ameriplan has to be the solution because it’s most certainly not everyone’s cup of tea.

  156. Thanks Bobbi! Thanks Laura! You two are sweethearts and I appreciate your feedback very much. I’ll keep you all posted on how all of this goes.

  157. Hey Janine. My sister is a Massage Therapist and she loves it! What’s nice is you can freelance if you choose. My sister works for a Chiro office but also has side jobs and she’ll oftentimes earn more in a weekend on the side working a few hours than she can working her JOB the entire week. The side jobs aren’t regular enough right now but if she keeps building up her clientele, she’ll be able to quit the job once she has baby #2.

    The downside of the profession though is the repetitive physical requirements. One of the gals my sister went to school with had to quit once she graduated because if she would have continued, she would eventually have to have surgery that would limit the movement in one hand (and she would have to quit down the road anyway AND live the rest of her life with that limitation). She instead choose to pursue another path. So, that’s great that you’re looking to supplement and/or have a backup. Build your business so that if the time comes where you want or need to leave the profession, you’re set.

    Eddy, I thought that was a great point that you made about being desperate for money. When I have a prospect that is planning on relying on this business as their sole source of income coming out the gate, I’m real deliberate in reiterating expectations. Yes, it’s pretty easy to cover the overhead and get into profit mode quickly IF they are self-motivated, coachable and trainable BUT it could take a week, a month, several months because it all depends on the person so they need to be prepared with the ability to sustain until they get there. It’s a build and it takes time. A lot like compound interest. At first it’s not going to be a lot but overtime it compounds and takes on a life of its own. The power of residual income :). Unfortunately, most people ARE looking for that immediate gratification and aren’t willing to make those sacrifices in the beginning and then give up before they see the blessing (and then oftentimes they’re the ones blasting all over the internet that it’s a scam 🙂 ).

    And if you’re desperate and looking at prospects as just a paycheck rather than genuinely interested in providing value and fulfilling their needs looking long-term, it just “ain’t gonna happen” because you’ll be trying to force it.

    And yes, don’t let past failures stop you from pursuing your dreams because like Eddy said, most (if not all) people who are successful have had their share of failures before they found their success. And when working for yourself, no matter what you choose to do, the only thing that REALLY makes or breaks is YOU. It’s not the company, your sponsor, the products or services – it’s YOU!!! For instance, there are leaders in Ameriplan who didn’t find success until they came back a 2nd, 3rd, 4th time. What was different this time? Did the company change? NO! THEY changed. Before they just weren’t at a point in their life where they said enough was enough and ready to do something about it — to do what it takes to never be in that position ever again.

    And this is why you see so many failures in the network marketing/home business industry. People jumping from one opportunity to another thinking it’s the company that makes or breaks them. Nope sorry, it’s you, it’s me. I know that’s a hard pill to swallow but it’s the reality we all must face. You have to be ready and the timing has to be right. And you have to be willing to make sacrifices to get to where you want to be.

    Yes, of course, find something that’s reputable and a good fit but once you do – give it EVERYTHING you’ve got and finish what you started (the grass is not greener)!

    You see, it’s one thing to want success. And you know what? Everybody does and that’s a big “So What?!” – it doesn’t produce results. What produces results is when you are ready to Act on what it’s going to take to produce the results. With Ameriplan, I provide my prospects with the opportunity, the tools, the training/coaching, support and encouragement. However, if they’re not ready, there’s nothing I can do. You have to have a long term goal and this goal has to be stronger and bigger than your excuses AND it’s more than just money….

    Just my 2 cents. It wasn’t intention to “preach” here LOL. I just believe it’s real important for people to really think about this and be ready, in their hearts. If you come into this with a mindset of “Well, I’ll just try it for a month, 6 months and see how it goes….”, you’re just setting yourself up for failure. Once you hit a roadblock or wall, you’ll be “outta here” so really what’s the point.

    “There is a difference between interest and commitment. Interest is doing something when circumstance permits. Commitment means you accept no excuses, only results.”

    – Ken Blanchard

  158. @Eddy Salomon:
    Hi Eddy!

    Thank you so much for the kind words! I know exactly what you mean when you say “for fear of having their prospects read some of the negative comments”. Personally, I would rather be honest with someone – my enroller was honest with me when I joined and I appreciated that. I look at it this way … I could “hide” the negative and not tell people, but what good would that do? Once enrolled, they would find out for themselves anyway, so why not just tell them everything up-front so they can make the right decision 😉

    As for the Bobbi AP Training Manual … lol … you are so funny! 🙂 But … I do have various training materials for my team 🙂

    Hope you’re having a GREAT day, Eddy!


  159. @Janine:
    Hi Janine! I was SO happy to read your post – so nice to hear someone is researching the company, enroller or even team they are looking to join under. So many people don’t do any research at all, and this is their biggest mistake when joining a company – any company. I’m also glad Eddy’s wonderful blog here has helped you in making your decision. We all love helping educate people, not just about Ameriplan, but much of the advice that has been posted here can also be applied to any work-at-home business 🙂

    Thank you for your posting – we love to hear we have helped someone 🙂

    Best of luck to you in your venture … keep us posted on how you’re doing, and if you have any questions at all, please do not hesitate to ask.

    Have a Great Day!


  160. Hi Janine, I’m glad you’re doing your research before jumping in. Massage therapy sounds like an interesting route to go, I wish you the best with that and I hope that if you decide that Ameriplan is for you, you embrace the opportunity! Best wishes 🙂

  161. Hello Eddy!! I am so thankful to have found this website today. Your review and many others here have been helpful in me deciding whether to become employed with Ameriplan or not. I wanted to be POSITIVE that this was not a scam!! I found them on Craigslist and eveything’s a toss-up over there. LOL. So this seems to be a legit opportunity for success….depending on how fitting the job is for one’s personality. I’m pursuing Massage Therapy as a career right now, and I just wanted something else that wasn’t too time-consuming on the side.

    Thanks again for this website! *smiles*

  162. Again, Kudos to you all but I was not profiting enough to cover my monthly costs. I never made it to earn what I wanted to earn in time for the recession. I am a lonely full time working mother of two paying for everything including babysitting, (which costs alot). So no, it’s not for me. It’s not convenient to pay monthly and not able to earn that amount back.

    • Bobbi,
      Well thanks Bobbi, I really appreciate the fact that you refer prospects and others to this blog post. It goes to show your commitment to recruiting the right type of people for the business. Because I guarantee other brokers wouldn’t do the same for fear of having their prospects read some of the negative comments. It’s no surprise why you’re so successful with AP. Their needs to be a Bobbi AP training manual provided to all new brokers. lol

      Thanks for the kind words. I really appreciate that you have read my other blog posts. I definitely try to provide value any way I can so folks are informed in whatever opportunity they decide to join. Because there is nothing worst than joining something under false pretenses. It already sets you off on the wrong foot.

      I totally agree about your percentages. I’m constantly preaching that you need the right mindset to succeed at any work at home opportunity and just life in general. There are too many people that have become jaded because of past experiences and they wear this on their sleeves. How can one succeed if you’re already being negative? Here’s a clear testament of this. I’ve been in this work at home industry since the early 90s. I did fairly well over the years. But never enough to be home full time. Within the last 2-3 years I changed my mindset while of course applying action. Next thing you know, I left corporate america and work at home full time. Furthermore I was able to tell my wife you don’t need to work any more as well. So what was different the last 2-3 years that was present all those other years of me doing this stuff? Mindset! So I don’t care if you’re joining AP or any other opportunity. If you’re going into this with the wrong mindset, you’re never going to reach your goals. It’s okay to run into obstacles and switch gears if one opportunity isn’t working for you. Because a lot of successful people are serial failures including yours truly. But the difference between successful folks and everyone else is they don’t give up! They don’t cry about failing or blame others. They dust their shoulders off and keep it moving. So everyone read Laura’s comment again about the percentages. Because if you don’t follow the advice listed there you can forget about succeeding with AP or in life.

      I can totally relate to you. When my little princess was born, I barely got any work done either. But fortunately I did have my wife but even then it was hard to get anything done. It was just one of those situations where you buckle down and squeeze in work when you can.
      So your story hits home for me and sort of feeds into what Laura has discussed. You have a very positive mindset and refuse to let anything stand in your way and because of this coupled with hard work you will succeed with AP or whatever other business you may venture into. You already have 90% of the formula! So keep it up. God bless you and your new baby. They’re definitely a blessing until they turn 2 like my daughter and start back talking. lol No just kidding, they’re the best gift ever.

      I’m sorry to hear it didn’t work out for you with AP. But that happens in life sometimes. Obviously it didn’t work out for me either. However it’s just a matter of learning from your experience and moving on to something that may be better suited for you. AP isn’t for everyone just like how I’m always telling folks affiliate marketing isn’t for everyone. It’s okay. The great thing about this whole work at home industry is there are tons of other options out there. It’s just a matter of picking what’s best for you. Building a business takes time. That’s why when folks tell me they want to become an affiliate marketer like me because they need money relatively quickly, I dissuade them from pursuing it. In my experience if you’re under financial distress, it’s really hard for you to do the things that it takes to make a business succeed. You’re under too much pressure and may rush things or do them incorrectly because you’re dying to get a pay check quickly. Building a business takes delayed gratification that most people don’t have in the first place. However it’s even worst when you’re under financial pressure. So you may want to focus on non business opportunities until you can bring in some consistent money with something else. Once you’re able to do that, you may be better suited to start a business. That’s just my two cents. Take it with a grain of salt.

  163. Hey Eddy, I’ve been reading up on all the newest comments today since my 6 month old is not having a good day, therefore I really can’t get on the phone with anyone. That’s how it is for me a lot of the time. I have to work around my son’s schedule, hope he naps on time so I can make phone calls, but some days I don’t get any work in at all. I’m a young, inexperienced first time mom 1,200 miles away from my family and friends, and no one here is available to help me during the day. I have yet to find something that works to keep my son occupied and quiet enough so I can make calls and be able to hear the person I’m calling. He’s in that “gotta be held all the time” phase which I refuse to give into. It’s been a rocky road over here, but Ameriplan has such a beautiful future for me that I refuse to give in and give up to the obstacles.

  164. I second that Bobbi. Nothing but love for ya Eddy 🙂 You provide a great service with your blog (and not only about Ameriplan) because it contains MUCH VALUE in that it’s NOT one-sided and biased.

    This business is 90% mindset and only 10% skill so the more prepared and certain individuals are about their decision, the faster they’ll be able to “hit the ground running” and find their success if they decide to choose this path. And that’s what most of us are here for…. to provide open and honest feedback so individuals can decide for themselves.

  165. @Eddy Salomon:
    Hi Eddy … you are SO right. This blog has helped many, many people make educated decisions, and like you said, the information provided here helps prepare them to succeed in this business. I have referred numerous people to this blog – including Chris above who emailed me last night. Someone has, in fact, been in touch with him as he indicates in his posting, and he is doing research about Ameriplan and looking for feedback from other IBO’s on how the business is working for them, etc. This blog is perfect for that because we educate people on both the pro’s and con’s of the business 🙂

    As always, Eddy, we thank you for having this blog and allowing us to help people this way 😉

    Hope you had a Great Easter … Have a Wonderful day!


  166. YES! This blog goes back before I even started with AP which was Feb. 08, which is so Awesome!! It is such a great place for people to get all kinds of feedback, Thanks Eddy and to all of those that contribute!! It really gives someone looking at AP alot of view points and real information so that they can make an educated decision!! Blessings to All!

    • You’re welcome Jayme. Glad this post could be such a useful tool for people researching Ameriplan. I really do believe it has helped a lot of folks join AP in that they know what to expect which I would dare say has made them better prepared to succeed with this company.

  167. @Chris:
    Hi Chris!

    I agree with Eddy … this blog goes all the way back to September 2007. There are numerous “thoughts” from people working for Ameriplan, people who have left Ameriplan, as well as people who are researching Ameriplan and other businesses as well. If you read the blog, you will be able to make an educated decision because NUMEROUS questions are answered, probably some you may not have even thought of 🙂

    Best of luck to you in your research … if you happen to have a question that has NOT been answered above, please do not hesitate to ask … we’re here to help 🙂

    Have a Great Day!


  168. Hi Chris!

    I just sent you some info regarding AmeriPlan. Let me know if you have any questions, as I am not sure if you are actively speaking with a sponsor or just came across some info online. Anyways feel free to post any questions here or you can email me at:
    Have a beautiful day!! Jayme Boyles

  169. Ive been looking into a work at home type job/business. I have a degree in computer programing and yet cant find a decent job in my area. Ive been told by a few to look into Ameriplan. Im actually suppose to listen in on a teleconference to hear some info about it. I would still like to hear from people regarding this opportunity. If anyone has any thoughts about it just drop me a line.

    • Hey Chris,

      Did you miss the 200+comments above from folks regarding this opportunity? 😉
      There is a boat load of feedback there from both supporters and detractors. I would suggest browsing some of them in addition to speaking to the reps that I’m sure will be contacting you shortly. Between those bits of information you should be able to make an educated decision. Good luck.

  170. Eddy – one more thing. Although you and Ameriplan didn’t work out…who cares!?? Not one company is going to be the right fit for everyone.

    The point is you kept going and eventually found what you wanted to do. You didn’t quit and because of this, you were able to quit your fulltime corporate job.

    So, great job and I admire you for being able to take some of these comments also. Very respectable, my friend!

    Wish you well!

  171. Eddy – WOW, first I wish to commend you on an article that you wrote 2 1/2 years ago and you are still getting comments – GREAT WORK!

    I wish to also state that I have been with Ameriplan for 4 years and I am an Executive Sales Director. This is 100% a legit company and a company the gives a lot to their IBO’s. I have always received my check on time.

    The company has been around for 18 years – enough said.

    One thing that I will be honest about is the dental. The dental providers aren’t available everywhere..YET. But, that is no different than a dentist that doesn’t accept a HMO plan.

    As far as the charge backs…the company changed this – there are none.

    When I first started with Ameriplan, I bought leads and I cold called them and it was horrible! I posted ads on craigslist and I did do well, but it was tedious to do every single day. And it was hard because most of these people were looking for a job, not a home business.

    I think we can all agree that at the time of writing this article, the internet has done nothing but grow. A lot of swirl has been going around in this post that you have to be a phone person to be successful in Ameriplan and I am here to tell you that, that is not the case. Because of the internet, there are a million ways to market your business online…most of them free. Now, I will be honest and tell you that there are times that you will have to pick up the phone, BUT, this is only AFTER you make connections with people first.

    You see..let’s take Facebook for example….you network with people and find personality connections with them. This relationship has now evolved into a true friendship and it builds trust. When people trust you, they will buy what you are offering, providing they have an interest, of course. But, if you have a home business and they want one also….who do you think they will join? Some random person or YOU, someone they like. Of course, they will choose you.

    When I meet people on Facebook…they ALWAYS ask what I am doing and of course I tell them. If they have an interest, they will ask for more information. Would you still have a problem calling them if 1). a connection was already made 2). THEY WANT TO KNOW MORE OF WHAT YOU ARE OFFERING

    I doubt it.

    As far as having kids at home and being on the phone. This is a home business. That is why we do this, to be home with the kids. Trust me, there is nothing more than I hate then when I am on the phone and my children interrupt. So, when I first start talking to a prospect, I say something like, “listen, my kids are home and I want to apologize if we get interrupted.” People understand that. I said that to someone yesterday and he told me that he had his grandson there with him. So, the person you are talking too may have kids around also.

    The best thing about this kind of marketing is that it can be used in any network marketing company. So, let’s say, you join a company and decide you don’t like it. Once you develop the skill for marketing, you have that skill, so you can use it to build any business you want! Now that is powerful, if you ask me!

    I have had the honor of chatting with Bobbi Prim. We met about a month ago on Facebook. She is a remarkable person and want to edify her and say that she is an incredible leader. If anyone is looking into Ameriplan, I highly recommend her to be your leader. You will be in the best hands possible.

    No matter if you choose to be with Ameriplan or another home business, I wish you all the best of success!

  172. I accidently stumbled upon your blog/website by trying to research Tiny Details and I must say I’m so impressed. Thank you for being here! And in reference to Ameriplan, I gave it a try but I found it very overwhelming. While they claim you can set your own hours I found myself having to eat, sleep, and breathe Ameriplan to learn as much about it so that I could effectively “work”. It was very difficult to market myself and unfortunately in the area I live in most everyone is very poor and on medicaid so it didn’t “sell” well. They say you don’t have to sell anything, however to me marketing is selling and I find that very difficult for some reason.
    I was so excited that the very first person I spoke to about Ameriplan actually referred me to a family member who signed on immediately which gave me a jump start and confidence but then as the months wore on and I talked and called leads and put out business cards and magnets on my vehicle and pounded the pavement day after day dragging a 3year old with me it became apparent that there was something I just didn’t have to succeed. MONEY. In every good business you have to invest. Not only time, but money. Although I found Ameriplans start up fees reasonable, I found that the re-occuring monthly deduction from my checking account draining. Especially when I wasn’t bringing in any profit to cover it. I mean one sign up didn’t even give me a pay check!
    I personally do not feel Ameriplan is a scam. I actually love the concept. I think the services they provide are outstanding and help people immensly. My upline was supportive, friendly, and encouraging. I actually still have contact with my mentor and I think she is great. I was very, very, impressed with the vast library availble to you to help you succeed and I found it helpful in many ways. My chief complaint was, it consumed me. To succeed at this business you need to have an understanding of marketing. If you don’t have money to market effectively then you better have plenty of time or should I say know how to manage your time very wisely. My hats off to the ones who’ve succeeded! It didn’t work for me or fit my needs but I certainly would never call it a scam. Especially since it provides a service that people need and can use.
    Thanks for letting me put in my “two cents”. May God abundantly bless all who read this!

    • Thanks Bea.
      I appreciate the kind words. But more importantly thanks for expressing your personal experience with Ameriplan. It’s always nice to read when someone may have decided against a company but expressed some realistic reasons as to why and not bad mouthing a company in the process. At the end of the day any business takes a lot more work than a job. If it involved the same amount of work as a job, everyone would be a boss. So the level of work described is expected. However sometimes a given business may not be the right fit at a given moment. Any successful business owner will tell you they went through a lot of obstacles or failures along the way prior to their success. So you’re already part of great company. I’m sure in time you’ll find the right opportunities for your needs. But thanks for sharing your experience in a positive and objective way.

  173. @Ashleigh:
    Hi Ashleigh … I would also have to subtract the overall population of those states from the overall population of the U.S. as well … considering it’s only 6 states, and rural states at that (which is why we have no providers in those states), the statistics aren’t going to change that much. I’m sure Ron got the general idea …

    In summary, the question was “isn’t the market for this service somewhat saturated?” The answer is ‘no’ …

    Hope you’re having a great day 🙂

    Bobbi Prim

  174. Shyanne,
    Well, if you’re that scared of the phone, then Ameriplan, or any other company that requires speaking on the phone, would not be for you. If you like texting so much, you should try ChaCha or kgb_.

    As for our market being saturated, wow, Bobbi and Laura you guys did an awesome job explaining all of that! Numbers make me dizzy, though. lol. One thing you have to take into account though, ladies, is the states where Ameriplan ® HEALTH is not available. You’d need to find out how many people within those states are without health/dental coverage and subtract them from the overall population of that we have not yet touched. Just my 2 cents there.

  175. To people who think talking on the phone is no big deal…..a company could be handing out gold bars and I would NEVER get on the phone. I only text to my friends and family and hate the phone so much the only reason i have one (and I only have a cell) is for texting and if someone has an emergency and they need to tell me something. The thought of talking on the phone to ANYONE causes me so much anxiety nothing would be worth it….Thank goodness for complete online businesses.

    My 2 cents

    • Damn Shyanne,

      I thought I hated being on the phone but you take it to a whole other level. lol
      At the end of the day that’s why there are different opportunities out there for everyone. We’re fortunate to have options. But I admire all the folks that are phone people and make this work. It’s always just good to hear when people thrive in their comfort zones.

  176. @Ron:
    Hi Ron … Laura is correct … our market potential is HUGE. Look at it this way … according to the U.S. Census Bureau, the U.S. began the year 2010 with a population of 310 million people, breaking down to approximately 75 million families. Breaking this figure down to an average per state is APPROXIMATELY 60 million people per state. Ameriplan has over 20,000 people working at home and over 2 million members on our plans – both of which are a drop in a bucket in comparison. As Laura indicated, we haven’t even saturated 1% of the market of the entire nation 🙂

    More statistics … did you know that (before over 4 million people lost their jobs … along with their health benefits) 70% of the U.S. has no dental coverage whatsoever? That’s 217 million people … and we’ve only “hit” 2 million members of our health discount plans, and as Laura indicated … this does not even count our two new non-health programs which just launched last Fall.

    Now … as of March 2010, the unemployment rate for the nation was 9.7%, yet some states’ rates were as high as over 12% – rounding the nationwide to 10% results in 31 million people in the nation that are unemployed or 6 million unemployed in each state (average based on 10%) … again, Ameriplan has only 20,000 people working at home – and MANY of them are still working full or part-time jobs, using Ameriplan as their “second income”.

    Hope this helps … btw … this was an EXCELLENT question – thank you! If I can help with any other questions you may have, please do not hesitate to ask them …. that’s what we’re here for 🙂

    Have a GREAT Day!

    Bobbi Prim

  177. Hi Ron, I know your question was to Bobbi but just to give a quick answer. The market potential for our memberships is huge. We have been established since 1992 and we have not even penetrated 1% of the market potential in any major city in the United States. Not to mention the 2 new programs introduced last year (SecureNet and AccessSaver). HTH

  178. @Bobbi Prim,
    First of all, great site Eddy! I’m learning a lot today.
    Bobbi, I just started looking at Ameriplan today. I talked with a member about an hour ago and I am interested. I guess what my biggest question is, is with the amount of IBO’s and RSD’s and such, isn’t the market for this service somewhat saturated? I don’t know, that’s why I ask. From talking to the lady earlier it sounds like a good deal. She hasn’t been doing it long and as such, hasn’t really made any money. She does have a great attitude about it and it is contagious. Any advice would be welcome. Thank you!

  179. Wonderfully Put Carl!! Good for you for joining AmeriPlan 30 days ago!! It is an amazing journey to the TOP, but a journey that is like no other and reaps rewards like no other!! I personally have been with AmeriPlan for 2 years and am in love with my business and my team and can say it was one of the best decisions I have ever made. Aside from the monetary success, being part of such an amazing group of people will change your life if you let it…Good for you for making that change and having the vision of where you will be in 2 years…and no doubt you will get there!!

  180. I was skimming through the internet when I came across this blog. Interesting reading for sure. I recently joined Ameriplan and quite honestly haven’t had the success I had imagined. However, I know that it takes time and dilligence to make something work. I have spent thousands of dollars on “work at home” gigs in the past only to lose out. I have a great enroller..a great team and I know with persistance and hard work this will take off for me. I hate to lose and feel like I failed at something. I researched this company for a few weeks before I actually joined. I read some great things and some not so great things. I do know..the majority of people who feel a particular “business from home” is a scam are those that thought they could pay to get in..sit back..and the money would roll in.

    It’s obvious that ANY business requires an investment of time and money. I found the $50 overhead the least of my concerns when you take into consideration what that $50 pays for. The biggest obsticle most people who work on the internet is THEY DONT WORK.!! I wake up everyday at 7am because THIS IS WHAT I DO…Just because I “work at home” doesn’t mean I can sleep in all day (although i have my freedom to do so). I place ads on the internet EVERYDAY because without them …people dont know me. I read on one of the responses that someone placed 50 ads in a few months with the company. Shoot…I do that on a daily basis..why? Cause it’s FREE that’s why.

    Working at home with your own business isn’t for everyone. This is not a job..this is your financial journey. I’ve only been doing this for 30 days …and I’m not giving up now. I know what people that have been with us for just a couple of years are making and I will be one of them in 2012.

  181. As always, Bobbi, great answer! I actually plan on using my DVPC to get my eyes checked here soon since I’m long overdue. The greatest thing, I think, is that Ameriplan even has a Diabetic Program, and I’ve recently discovered some people I know who are diabetic and don’t have coverage!

  182. @Marti:
    Hi Marti!

    I understand EXACTLY where you are coming from and I couldn’t agree with you more … to be successful in anything, you MUST believe in the product or service – and the company, too! Well, let’s put it this way … to do a better “job” you must believe in the product or service. As an example – for other readers as well – a real estate agent will sell a house much faster if they themselves like the house … why? Because the agent will be more enthusiastic about a house they like, resulting in excitement about the house – this excitement generates to the customer/client and THEY become excited about it which more likely will result in a sale 🙂 If the real estate agent isn’t crazy about the house – maybe it needs a paint job, major repairs, etc. – they will not have that “excitement” which the customer/client senses or ‘reads’ in the agent.

    This is why so many of Ameriplan’s members that use the plans become IBO’s … they are using the plans, see the money they are saving and want to help others realize the savings as well. This is why I always recommend that my team USE the plans to see for themselves … our basic enrollment for IBO’s automatically includes the dental plan, which also includes vision, prescription and chiropractic care; 70% of the nation has no dental coverage whatsoever and this includes many of our IBO’s that enroll so needless to say, they DO use this plan resulting in savings up to 80% off their dental services … and up to 85% on name brand prescriptions.

    To help us understand exactly how much savings our plans provide, the owners of Ameriplan recently implemented our premiere enrollment for IBO’s which automatically includes not only the dental plan, but every single plan Ameriplan offers – medical, SecureNet (Identity Theft Protection, Nationwide Child ID [the only one in the nation sponsored by the FBI!], Roadside Assistance, Financial Services) and AccessSaver which provides discounts in things you do every day like shopping, dining, travel, automotive, entertainment, etc.

    We have numerous testimonials on all of our plans …
    Hospital Advocacy
    Rx Advocacy (APAP)
    Diabetic Supply
    Other Healthcare

    If you would like to read them, copy this link and paste it in your url address bar ….

    Now I’m sure you’re going to ask … how do I know these testimonials aren’t by people working for the company … or people being paid to say these things? In all honesty, you don’t, but I can vouch for these testimonials … some ARE by our IBO’s using the plans, and some are by actual members who have purchased our plans. I know this for a fact because some of these testimonials are ones I have submitted from members I have personally enrolled 🙂

    If you would like to try one of the plans for yourself, now would be a perfect time because we have a promotion going on all dental and medical plans – all of which include vision, prescription and chiropractic care – and all of which cover the entire household. Anyone enrolling in a plan prior to February 25th, receive 1/2 off monthly payments for an entire year! This does not mean you have to keep it for an entire year – try it for a month and cancel if you don’t like it! Our lowest plan is the Individual Dental – normally $14.95/month, is now $7.48/month.

    Better yet … if you send me your contact information, I would be more than happy to send you a free prescription card – good for one year – and you can try it for no cost at all! Just email your information (mailing address and phone) to I will process this for you right away – it takes approximately 10-15 business days to receive your card. All major pharmacies accept our prescription card … Walgreens, CVS Pharmacy, Target, Walmart, Dominicks, etc. The company providing our discounts is HealthTrans.

    I hope this answers your question … if you have any other questions, please do not hesitate to ask!

    Have a Great Day!


  183. @Bobbi Prim:
    Hi Bobbi, I have been looking into Amerplan/ i am looking for a work at home job/i have sold avon/meleuca/ but because of my being such an honest person it is so important to me to sell a product that you believe in/and that really helps people/i love helping others /but must believe in what i sell/is this really a good plan for people.and does it really save people money

  184. Good afternoon Eddy! I need to drop by here much more often- it’s clear I’ve missed A LOT!

    I’ve read through a good percentage of the posts on this and am glad to see Bobbi chimed in, she was and still is such a huge help to me, even though we’re not in the same immediate team, we are both FAHT members. Great to see other FAHT members here as well. 🙂

    It used to bother me when I’d see people talking badly about Ameriplan, but now I just have to laugh. I find it amusing to see there are still people out there who will blame the company versus their own lack of effort when something does not work out for them. This is my 2nd time being enrolled, but this time I have a wonderful Recruiter. The one I had last time wasn’t of much help to me at all, and I will agree with Bobbi, it’s SO important to find someone who can help you. The reason I joined again is because I now have a 3 month old son (fiesty little guy already, too!) and there is no way I can work outside the home, plus I love the “products” they offer. Since I’ve rejoined Ameriplan, I have gotten so much more support than last time and have made some great friends.

    I wish people would learn HOW to research a company before they start downing it. I have talked to people who said they didn’t like the information they found on us and I would love to know where they’re looking, but I have to realize that not everyone is going to research how they should, nor is this going to be the company for them (as you can attest to, Eddy). People also need to realize that there is NO PERFECT COMPANY OUT THERE. Every company has had some sort of complaints because it’s impossible to please EVERYONE. Don’t take other peoples’ word on a certain company because you’re not guaranteed a nonbiased opinion. Ameriplan has been the answer to MANY famililes’ prayers BECAUSE THE IBOS WERE WILLING TO WORK HARD FOR WHAT THEY’VE EARNED THUS FAR. Unfortunately, there are some IBOs out there who are in this business for the wrong reasons and they don’t see the kind of potential Ameriplan has as a company, or the potential THEY have, IF they embrace the reasons one should come aboard.

    This company and its leaders within have motivated me to improve as a person and set goals, but also stick with them. I’m continuously motivated when I get the emails in my Back Office about so many IBOs reaching RSD or above. Those people worked very hard for where they’re at now.

    Now, I know of some who will join simply because they hear that they can make a 6 figure income with us. It seems that they think they can get that 6 figure income by not following the training or working their business the way they should. And they are usually the ones who give us a bad name. Just because you work at home with us, doesn’t mean you DON’T WORK. You still need to get YOUR name out there (not JUST the Ameriplan name), network with people, TALK to people, FIND WAYS TO STAY MOTIVATED, and STAY CONNECTED. You do this and you will most definitely succeed with our company. This IS NOT a get rich quick program (nor is there any LEGITIMATE ONE OUT THERE). You want it bad enough, you’ll work for it. If you don’t, well, good luck to ya!

    As IBOs, we’re trained on how to tell when someone is serious about us or not. I think a lot of the problem is that people are able to join freely, without being strictly invited. And I do think that we’d have a better reputation and higher integrity if we made it a tighter door to get through. For my immediate team, I know what kind of person I want to train and help. I’m a busy woman and I really do only have time for those who are SERIOUS and see the light with this company.

    Sorry I made this so long, but I had to stick my own two sense in. This is a wonderful site – Eddy you’ve done a phenominal job leading us all to the water, but you can’t make us drink it! Those who don’t see that here, well let’s just say they’re missing out!

  185. @Harley:

    Harley, you aren’t obligated to recruit. I dont participate in that part of it. They have great health plans and that is what I feel I can get behind personally. I cannot however just recruit to recruit to recruit to make money on the backs of my downline. I have not recruited 1 person and do not advertise for that. Plus, posting any MLM on craigslist is not allowed in the job offered sections and is also frowned upon in general. There are just to many people out there who just want your money and you in their downline to be honest with you about how much work it really is and about how much they make. Some thing I found noteworthy is that anytime I asked directly “How much do YOU make?” they will only quote what other people are purportedly making because it’s bad for the recruiting business to tell people the honest truth that htey may not be making that much. If you don’t have sales and marketing experience, I’ll stick with what I said before, the training is helpful but isn’t going to float your boat if you dont know how to paddle in the first place. 🙂 I’ve been in it with Ameriplan for awhile and I really just like the plans they offer so that’s all I do is market the plans. 🙂

    Good luck Harley!


  186. Well after about 3 months of doing this i decidded to give it up. I’m not saying its a scam because it’s not. I have saved huge money on my prescriptions. i think for the most part i didn’t have the time with my full time job. Plus my upline really wasn’t all that helpful. I was told just by posting on craigslist would get people to join, but thats not the case. that does not work all. I’ve posted over 50 adds and never got one person to join did get plenty of emails and a few calls tho, but that was about it. well now that work is starting to slow up a bit i might give it a second try.

  187. @Baraka Barnes:
    Baraka, he already said he’s done this a couple of times and it’s not for him. 🙂 I’m curious tho if you don’t mind me asking, do you recruit more than you promote product? I find for me that just recruiting is not a worthwile, incoming producing behavior because there are to many people who just want to recruit and dont even bother to sell the product. It makes people skeptical. I got into it because I really like the product and plan to have some rather pricey dental work done that insurance, when I do get it, wont pay for. That’s what got me into it. I got into it with the hopes that perhaps over time, I’ll make enough to cover my membership fee. I focus more on smaller companies that dont offer any health insurance for their employees. I just was asked the other day to drop off the info for a small store down the road from me that I frequent. Restaurants typically dont and they also dont have to pay even minimum wage because of the tips. I also, will openly admit that I haven’t sold any yet and I’m not making any money because I wont do all that aggressive recruiting. Are you profitable? I find most everyone I have asked won’t talk about it because admiting they aren’t making a lot of money is bad for business.

  188. Hey Eddy. I want to applaude and commend you on your response to Sharon. While I do feel everyone is entitled to his/her opinion, it should not be at the expense of someone else’s defamation or insult. I for one am grateful for your candor. Being one has has obviously made out pretty well for himself financially, I’d like for you to consider this. It is AmeriPlan related, therefore you already have some familiarity. How would you like an opportunity to join a team of folks like myself at the the top of a new segment of an existing MLM business (AmeriPlan)? This is no joke. First call the following number…. 507-726-3966… then call me. lets talk… Baraka, 713.816.1579/ 713.899.8050

  189. One more thing, and this may cause grief not only for me but for others as well. If you are being told to post in job offered ads on any advertising sites such as Craigslist, you are being told to break rules. You can post, just NOT in “Job offered” or “Employment” sections. Read Ameriplans policy on spam and you will also understand why.

    All so far that I have read the TOS, prohibit posting your MLM, work from home opportunity, or other in any JOB OFFERED, Craigslist is quite clear on this and Ameriplan IS MLM, it IS Work at home opportunity and there is the 50 fee upfront for enrolling and we are prohibited from running ads in the employment section on Craigslist. I will also say that I will flag ads I see doing it and report them. If you are here, uncertain because you are a struggling newbie and just aren’t sure if you’ve been rooked, if you’re told to post on craigslist for your ad in the job offered, you’re being told to violate the Craigslist TOS and those my friends are not who you want to partner with. You shoule NOT have to resort to 10 free e-mail accounts because you keep getting blocked. There are LOADS of places to post your ads, just dont do it in “job offered”. This crappy recruiting practice IS what makes us all look bad and IS a major reason why people are so skeptical. I feel VERY strongly about this and I will not budge and say it’s okay to recruit like that. There are those of us that are quality team mates.


  190. I do want to chime in to some extent. Now, this isn’t the forum I recruit from so that isn’t my intent. What I would like to ad is my own experience with it. Bobbi is off the hook and I am NOT referencing her. I think what happens is that people fall prey to crappy recruiters. They are out there. I have a blog about it myself.

    I have talked with PLENTY and some of them are just liars. One think I refuse to do is post an ad as if I’m offering a job. You can read my rant about that too. It’s below the first one.

    Let me say this, it is MLM. It is sales. If anyone tells you it isn’t, they are telling you a lie. NOT everyone can do it and it is certakinly NOT for everyone. On that, I’m not making big bank. But I’m also not out there just recruiting to recruit, to recruit yet more recruiters and forgetting all about that I have a quality product. Will it be slower for me, absolutely. Let me say something else real quick too just in case you do not actually read my blog, lets take a look at Avon or Tupperware. Those companies also utilize MLM. There are huge benefits such as loads of free advertising and people who are not your employees that you’re paying payroll and payroll burdens on.Saves them loads of advertising and payroll. There is more but that isn’t what I’m posting about. Avon ladies, we’ve all met one. They might even try to see if you want to sign up to sell Avon. That’s multi level marketing. You might have a slippery Avon lady do as I said in my blog and try to “slip you the lipstick” but that doens’t make Avon a bad company. Right? The trick with any MLM is finding a quality, high end sales person, partner and recruiter and avoid all the wolves in sheeps clothing who post ads on “Job offered” sites to trick you into thinking it’s a bono-fide job offer and then “Surpise!, it’s isn’t!”. I think that’s a rotten thing to do and a rotten way to recruit. People should learn more about “attraction marketing”. Google, you’ll see Renegade Markerter ads from Ann Seig. Now I’m not affiliated with it, but the approach is solid and sound and you don’t need to pay for that info if you have a good recruiter and business partner, TEAM.

    That’s all I have to say. Unscrupulous recruiters make us all look bad and make all our jobs that much more difficult. Fortunately Bobbi is here helping to explain it all. 🙂 However, make no mistake about what anyone tells you. It IS sales and if you’ve never done sales or marketing, the training is helpful but it’s isn’t going to float your boat all the way if you don’t know how to paddle in the first place.


  191. I have done the training calls, the tricks on promoting Ameriplan, (like putting a business card in shoeboxes or inside baby formula lids, etc.) That only works if you are in states where there are lack of insurances, services, etc. Doesn’t necessarily work for NY. But, anywhere I would travel to, I would leave some trail of ad behind. Posting on the internet, I’ve found many people advertising for the same thing, Ameriplan and would be difficult to post on a spot where many people have advertised on. I would switch and reword my ads to make it different from the same generic ones that I saw on backpage once.

    Yes I tweaked my presentations, yes I offered other solutions to my clients and yes I know how to work with the prospects since I have a strong background of customer service and sales. But in addition, I do find that even if you don’t spend a dime to be in the business you have to agree that you must pay for something whether it be copies for flyers, or hotcards (some kind of investment). I chose to pay for some out of state ads just to see what the outcome may bring me. Of course I received minimal results but it was MY investment.
    As for the phone calls, I only have time in the night after I get home from work. I did dedicate some hours at night to do my prospect calling after I spend at least 1 or 2 hours of my time with my kids. (My tiny surround sounds came on the weekend when they would wake from their naps while I was on the phone). Many times I had to call at 10pm when some prospects wanted me to call at daytime which meant to me that I had to stop my day job. (I offered them to go to the website where they can get all the info they needed.) I followed up with them but no luck.

    The point is any little thing I was doing I was promoting Ameriplan. (Heck, I even left ads in subways where there is high traffic!!) But…

    I gave it a shot, saw that it can work but I will try other forms of making extra income in some other way. Ameriplan is not for me. People say you don’t have to pay a dime but yet we get a office depot discount to spend for copies, lol. Go figure. And yes from vistaprint but yet you have to pay shipping. Go figure. And the stuff you print from online for free? You have to buy ink when it runs out and paper.. It’s all tax deductible in the end but you have to make a minimum amount of money to file for your business. If you don’t, you cannot file your taxes until you do…

    Congratulations to all that has been lucky enough to become a stay at home mom with the Ameriplan business!!

  192. Hi Kristal!
    Congrats on the new baby!! I suppose I was not clear in my comment 🙂 I am with Ameriplan, the company that this blog is about, essentially. And yes, my motivation for wanting to work from home began over two years ago when I was pregnant with my daughter. I was also tired of seeing my husband work 90+ hours a week running a “traditional” horse training and selling business. I was looking for a better life, more freedom, and NO daycare!!

    So, first you need to decide if you are looking for a business or a job. A “job” from home is just like having a job outside the home and you will most likely need to have a sitter, zero background noise, set hours, set income, a boss, etc. A business from home will give you flexibility (a Necessity with a LO!!), unlimited earning potential, tax deductions, residual income, etc etc. There is always an investment starting a business, just like with any business, sometimes that can be as low as $50 or into the thousands (depending on the business). Ameriplan has a very low start up and overhead with tons of training and support.
    You need to be sure to find a company that offers Great training and support, make sure they have been around a while (not a start up), and offer a product or service that people really need and that you can get passionate about!
    I will be happy to answer any questions you have or offer any advice from my personal search and experiences. Feel free to email me:
    Good Luck!!

  193. @Jayme Boyles:
    Hi Jayme, I read your comment and I was wondering what company you are with. I have a daughter who was just born in July, Im a FTM and Im looking for a home based opportunity to bring in a income. I noticed how you have two children and that was your motivation to find a work at home job. If you can give me help or leads I’d greatly appreciate it!


  194. Hi Maria,
    I just had to say that I too have two small children (a 7 week old newborn and a 21 month old!). Deciding that the noise in the background is not a good environment to work in is an excuse for some to not get on the phone. I am not saying it is for you, but I will say if you truly want to be successful, you find the time, period.

    I personally make calls during nap times and use a method for prospecting where people have all of the information first, so I spend minimal time on the phone, usually just asking and answering questions. I built my business, starting two years ago with a newborn, and she is WHY I was looking to work from home to begin with. I am now an Executive Sales Director and work my business very part time.
    Anyone looking to work from home whether it be your own business or a job needs to know WHY they are truly wanting to work from home. Is it for flexibility, to be your own boss, residual income, or are you really wanting a job with a boss and a set schedule? For me, there was no way I could have (or wanted 🙂 a job from home. Any job requires phone time, conference calls, set hours, and alot of times zero background noise, Ha, NO Way with small kids! Having a business gives you the flexibility to be a mom, tend to your children and home, and still build a business because you set your own schedule. Also don’t discount the tax deductions of having your own business from home!
    As Bobbi says there are always people willing to help if you ask!
    As for the residuals, Bobbi answered that perfectly, not everyone keeps 10 after enrolling 10! Having one piece of business and then having it leave is not a failure! Enrolling one and getting a check is a success. Good Luck to you and I hope you reach out to your upline or crossline 🙂

  195. @maria fernandez:
    Hi Maria … I’m sorry to hear you are so disappointed, but your posting brings to mind many questions …

    Did you help your candidate find a provider that was closer? or Did you advise your candidate to call the corporate office or the number on the back of the member card so they could help her find a provider that was closer? Not everyone is going to keep their plans … lol … in fact, I’ve had many who needed immediate dental care, kept their membership until their dental work was completed and then cancelled. The advice I give my team on this is … don’t take it personally! It’s not the membership and it’s not you! Unfortunately, people don’t look at what “could happen”, they look at the present and not the future. Some feel that they only need it at the time they need it – if they don’t need it right NOW, why keep it? Especially seeing as our plans have no waiting period – people can sign up today and make an appointment for tomorrow – we also have a no commitment policy where members CAN cancel at any time. Not a big deal if you are working your business consistently every day.

    Maybe in NY there are alternative insurances, free exams, etc … but there are 49 other states, most of which do not – or they do not cover everything.My daughter was on Public Aid and she cancelled and enrolled with Ameriplan because Public Aid (one of those free insurance provided by the state) would not cover inhalers for her asthma. Public Aid’s dental also leaves much to be desired – she needed a root canal on one of her teeth – PA refused to cover it, yet they would cover her if she had it pulled.

    You mentioned you paid for ads – btw, I am in the business 4 years this month and to this day, do not pay for any ads I post on the internet – if you are not making any money as you indicate, why are you spending money? You have to make money before you spend money.

    Did you keep in touch with your enroller? Did you ask him/her for help, ideas, tips, etc. Your enroller could have told you how and where to advertise for members. If you were getting prospects calling you, you may just have just needed some tweaking in your presentation to your prospects. Did you listen to training calls that help with prospecting members? Did you ask other IBO’s on your team what they are doing and how they are doing it to get ideas/new things to try?

    “if 10 join, that’s your residual income but if 10 cancelled, where is your residual??” Interesting question … are you working your business consistently every day? Let’s say you only enroll 10 people per month … for 3 months … that’s 30 people. OK – so now, 10 cancel … you still have 20 left for your residual. When one works their business consistently every day, they CONTINUE to enroll people which adds to the residual pay. For instance, I’ve had 2 people cancel this month, but I’ve already enrolled FIVE people so far this month – and it’s only the first week of the month. Not everyone is going to stick with it, but on the other hand I still have members that enrolled with me 4 years ago that I continue to get paid for. I don’t know who the “someone” is that told you that, but they really don’t understand how the system works. Just like anything else, you MUST work to earn money … you can’t enroll a few and then stop working – the more you put into it, the more you will get out of it. 🙂

    I don’t care what J-O-B (Just Over Broke) you have, you are going to have to talk on the phone – yes, we do talk on the phone – I do have a few on my team that do everything via email, but your results will come by personally talking to people on the phone, returning their calls, etc. Some prospects prefer NOT to talk on the phone and want to do everything via email, which is fine, too. It’s how YOU choose to do your business, and how you set it up to work it. 🙂

    I chuckled when I read about your “loud babies” … you only have 2 … we have an NSD who has SIX very small children – and made it to NSD in only two years. We have MANY stay-at-home moms and dads with small children at home … they do their calls early in the morning, during naptimes, or even evening after the children are in bed. Keep in mind, where there is a will, there is a way 🙂

    We all work as a team with Ameriplan – the KEY is in the teamwork. Keeping in touch with your enroller is detrimental to your success. As I mentioned above, he/she can help you and guide you – he/she is your personal mentor. If you cannot reach your enroller, go to their upline … all the way to the top if you have to. If you don’t know who your upline is, call the corporate office and they will tell you and provide you with their phone number. You can also go to other team members … you are not alone in this – many have come across the same exact things you are … ask for help! Ask for ideas! See what others are doing, they may be doing something you haven’t thought of which could be exactly what you need to close your prospects 🙂

    I can’t tell you how many IBO’s that are not on my team that I have helped … they found me here on this blog, on one of the social networking sites, heard me on a training call – and contacted me asking for help – we all work as a team and there are tons of people willing to help others succeed …. just reach out and ask for help, hun – it’s there waiting for you 🙂

    Hope this helps …

    Bobbi 🙂

  196. I find that many places offer discounts and there are insurances out there that people are finding help for. My candidate cancelled because she found other alternatives and she had to travel far to the participating doctor/dentist. Many have called me to be a possible prospect but in the end… No luck. Especially here in NY where locally there are insurances, and free exams, etc are showering… But.. I did all I could to market my business (handing out flyers, ads, (even paid for some ads), hot cards etc. It was a nice experience while it lasted but I paid $50 every month and I didn’t get anything hardly in return..

    I can see that Ameriplan works but it’s like someone said, if 10 join, that’s your residual income but if 10 cancelled, where is your residual??

    I don’t know. But you do have to be a phone person and having two loud babies in a one bedroom apt, you’re gonna have alot of surround sound when speaking to clients, lol.

  197. Absolutely. One thing I noticed is that even tho that site gave me the info I was specifically looking for at that moment, I went to yours and yours does too, and then some. I found the other one to be lacking. That’s why I was hoping we talk offline, or at least take the conversation private. 🙂 I also looked at the, what I imagine is a template that all the team uses. It had some differences and I wonder why more of the IBO benefits seem to not be marketed? The 50 dollars a month would be more than paid for with just the benefits of IBO alone. It’s worth it even if you signed up/enrolled and did nothing with it except use the perks.

    I did get your e-mail address from your site. Can I e-mail you directly so we can talk more about that? If so, that would be great!


  198. @Deena:
    Hi Deena!

    Yes, I’m familiar with that site … it’s the Go Team’s site … be sure to follow my advice above related to different teams/enrollers. Each team provides different things to their IBO’s … some provide more, some provide less … some provide next to nothing … but, I know I don’t have to worry about you … you’re doing a great job researching and I commend you for that!

    If you read farther above in this blog, I’m sure I mentioned the other things you were looking for … what you would be doing, how much income you can make (AVERAGE), benefits, etc.

    I think we’ve answered every question imaginable in this blog which is really awesome, although ever time I think this … someone comes up with a new one and I LOVE it! I’ve thanked Eddy more than a few times for having this blog – sort of like a “one stop shopping” or “FAQ” on Ameriplan – lol!

    Again … best of luck in your research … you know we’re here to help if you need anything …


  199. Bobbi, is there any chance we can follow up direct with you via e-mail? I went to your website and your e-mail address is posted there.

    If not, it’s totally okay and I understand. 🙂

    Deena 🙂

  200. Hello Bobbi and thanks for your response! That’s good to know. Not trying to say this IBO’s link I am posting below is the best because of course I have no idea but the website made sense and explains it in plain, reasonable language without any fluff or ambiguity. Frankly, I just wanted to know what the heck I would be getting myself into or at least have a good idea of how I might be spending my days and what I might earn. That info proved to be a little bit difficult to get. The site below I think gets right down to the brass tacks. 🙂

  201. @Deena:
    Hi Deena!

    Actually, we train you how to market your business … your responses come any way YOU choose them to by what you put in your marketing material … whether it be email, phone, website, etc. I have some IBO’s on my team that do EVERYTHING via email, including training – lol. We train you for everything, but YOU choose what YOU are comfortable doing 🙂

    Good luck with your research … if there’s any questions we can help you with, please do not hesitate to ask – no question is a stupid question … and we’d all be more than happy to help you with them.

    Have a Great Day!

    Bobbi 🙂

  202. wow, what a helpful bunch of commentary, from everyone. Eddy, I dont know you but I really found your post on Ameriplan to be very helpful, as have I with regard to everyone elses as well. I haven’t done it, but am just in the research phase.

    I can say, I am not a phone person. Is is sort of like somebody clicks and ad, submits their info and you get a tickler with the number and you call them?

    I had almost completely discounted it because of a website I found that was a bit to much… 6 pages of testimonials. I couldn’t even read all that. That’s not how to sell people on it. What worked and made me continue to research was finding the site of another IBO who put it in plain simple English. 1 page, not 20 some odd pages to scour through and still not have definitive answers or info. I just dislike things that make big promises, way excess of fluff with needed “nuts and bolts” info being very ambiguous. That immediately made me skeptical.

    I’m really glad I found this Eddy and I appreciate that you took the time to share your experiences. Thanks to everyone else too. 🙂 Although I haven’t got time to read it all with an appointment that I’ve leaving for shortly, no doubt I will be back to finish reading everyone’s posts. 🙂



  203. @Ms. Moore:
    Hi Ms Moore …

    I just reread your post to make sure I answered everything for you … you indicated (and I missed this – I apologize!) the email you received mentioned a “ONE TIME” $50 fee … although I believe I pretty much explained this … I just want to reiterate … it is NOT a “one time” fee … it is a monthly recurring fee of $50 and pays for everything for you … all your websites (we do not maintain them, the corporate office keeps them up-to-date for us), unlimited training, support, resources, benefits for your entire household, etc etc.

    Have a Great Day 🙂


  204. @Ms. Moore:
    Hi Ms Moore …

    No, we do not have “start-up costs” anymore. You will see in older posts here that we did…. people joining were required to purchase the Start-up Kit for $45 (contains brochures, dvd’s, gift certificates worth $50 if you feel you need more, etc to help give you a jump start); now, this Start-up Kit is an OPTION. You do not have to purchase it – the owners changed this and gave everyone an online E-Kit which contains everything EXCEPT the dvd’s and gift certificates … and they increased the gift certificates in the optional Start-up Kit to $75. They made this change to try to help people who are being effected by this economy.

    The $50 overhead you are referring to is just that … our monthly overhead expenses … $50/month. When you start, you DO need your first month’s payment – now I guess this can be ‘construed’ as a start-up cost, but it is a recurring monthly fee … I also don’t consider it a ‘startup cost’ because I have actually started people with their training before they had their first month’s payment 😉

    I hope this helps with your question …


  205. Thanks, Eddy, I’m about to look at your video now. I’d already made my decision about Transam within the few minutes I posted that comment lol What almost got me was the free training and personal trainer. They left out the part about having to pay an enormous amount for defective software and that their objective is not to qualify employees but to gather funds from software purchases, which I read from more than a few sources in just a few minutes.

  206. maria fernandez, Would you say your 1 applicant is the result of not enough interest from the general public or your lack of participation? I’m asking because I would rather have a job where I didn’t have to talk on the phone but I would dedicate the effort if I knew I had a good chance of being successful.

    Bobbi Prim you said in one of your comments that Ameriplan doesn’t have startup costs anymore, the email I got a couple of weeks ago said there is a one time $50 charge for overhead, should I be concerned or is overhead not considered a startup cost?

    Eddy, I thought your reveiw was well put and lacked biased info, which is why I’ve come to trust your analysis of work at home programs over these last few days. I’m about to see if you have anything on this medical transcriptionist company Transam Associates I got just an email from.

    • Ms Moore,

      Have you tried looking at my scam video: Please take a look at it as it will help you research any company including the MT one you mentioned. I’m a big believer in teaching people how to fish because they can eat forever that way. In general I say ignore all email solicitations. You tend to avoid a lot of issues that way. Besides I’ve already provided my recommendations for MT training in the following article: Hope it helps.

      You’re welcome. This Ameriplan post is extremely long but I feel it gives a good balance view of the company and people’s various experiences. I hate visiting a website and they’re totally one sided about a given company because there is always two sides of the story. The exception of this is when something is just a flat out scam (i.e Google Money tree, Data/Entry Typing opportunities, etc) . But Ameriplan has its pros and cons like any company does. A company having cons doesn’t mean it’s a scam. And that’s what we’re trying to get across when people visit this blog. We’ll do our best to provide both sides of the coin so you can make an educated decisions. I don’t believe in dictating what grown folks should do. Although some people would seem to prefer that. lol But I think we’re all capable adults that can make our own decisions when faced with the proper information. Having folks like Bobbi and others chime in really helps make that easier. So I’m glad you found the information useful despite the length. I’m sure it will continue to grow and I think it will be a good thing since companies evolve.

  207. @Alvaro:
    Good Morning Alvaro!

    Thank you very much for your posting and feedback … I am very glad – and I know Eddy will be, too! – that this blog has helped you so much!

    That’s exactly what we’re trying to do .. .answer everyone’s questions and help them make educated decisions in whatever path they are choosing to take.

    Have a Great Day!


  208. Wow! I am totally amazed of how long ago this post was up and how there is still comments about it til now! Lol. I’ve been sucked in as well for about 2 hours or so reading. It makes you just want to give Ameriplan a try doesn’t it?

    I think you all are great for putting so much time and effort in educating about AmeriPlan and all other at home business opportunities. It really shows how much pride you have and how much you really like or dislike working for it.

    Its nice to know that it isn’t a scam and very hard to believe it is so sucessful. I believe that hard work pays off. Thanks for spending so much time and sharing all this info. It really helped me alot! Alvaro

  209. @Marilyn:
    Hi Marilyn … I have to agree with you … it is easier with a landline, although many IBO’s do use a cell phone, BUT they also have unlimited minutes. Even with unlimited minutes, I would find it “uncomfortable” on a cell phone – only because I’m spoiled with my headset – LOL! 🙂

    Best of luck in your research and your search for a good affiliate training program … I know Eddy will take good care of you! Eddy has been a tremendous help to many, many people – someone I would certainly recommend for what you’re looking for.

    Again … good luck … and definitely keep us posted on how you’re doing – we’d love to hear from you again! 🙂


  210. . Wow! I just finished reading all the posting about Ameriplan- both pro & con’s. Eddi-I appreciated your take on why it was not for you- this was probably the most important- you did not like to talk on the phone, now I don’t mind being on the phone, however, I only have a cell phone with minimal service on a good day- unless I put in a land line Ameriplan probably will not be a good fit. I sure the recruiter would not have mentioned that a land line would be most helpful for communication.
    I have looked into WA for a one week trial, apparently at one time they had an 8-week training guide, but decided to revamp the program and I found the new outline most confusing and there was numerous comments on what happened to the 8 week guide.
    I am looking for good affiliate training program- suggestions would be helpful. Thanks.

  211. @Laura Paulson:
    Laura …

    Very well put – I could not have said this any better myself! My feelings exactly … I, too worked in the corporate world before owning my own business. I worked in downtown Chicago and when I took a look at my income vs. my “expenses” – train fair, gas, clothing, daycare costs, lunches, etc. – I was well into the NEGATIVE. Not even counting the fact, like you said, the company “owns you”.

    I was blessed the day I found Ameriplan over 3 years ago – I now can spend quality time with my family, don’t need to ask permission to take a day off, or take a vacation, hours are flexible – YOU choose your hours, etc etc.

    If Ameriplan was a scam … and I wasn’t making enough money to pay my bills … I certainly wouldn’t have “stuck around” this long ….


  212. @BIG T:
    Hi Big T …

    I really hate to burst your bubble, here but I do agree with Eddy … In addition, I would like to add a couple comments of my own …

    “Look how hard their reps are working to go out of their way to post on this site…Only scammers go out of their way to prove themselves correct.”
    This amuses me … I don’t know of a single rep on this blog that has gone “out of their way” to help someone who has had questions about Ameriplan. This blog isn’t about proving ourselves correct – or anything other than helping people with their questions about Ameriplan so they can make an educated decision about whether or not they want to work with Ameriplan or enroll in one of the Dental, Medical or SecureNet plans.

    In fact, if you’ve really READ this blog, you will notice that many of us not only provide positive information, but the negative information as well. Anyone “trying to prove themselves correct” … or in your words “a scammer” … is not going to provide any negative information about a company because they are trying to recruit them so they can make money – and that is there only goal – to make money. Yes, making money is nice, too, but that’s not all there is – we pride ourselves in helping people make educated decisions. I don’t see one person on this blog trying to talk anyone into joining Ameriplan – every single person here has provided information – answers to questions asked.

    “If you want to work at home then START YOUR OWN BUSINESS!! Learn how to do something and then do it.”
    Actually, joing Ameriplan IS starting your own business – it is willable and sellable. That’s exactly it … we do train our people on how to start, own and operate their own business, so they are learning “how to do something” and they are “doing it.” 🙂

    “Do not pay a \”recruiter\” or \”overhead fees\”…Or don\’t, give your money to Bobbi so she can pay her bills…Your choice.”
    Now, I DEFINITELY like this one! Whether it be Ameriplan, any othe work at home opportunity, or even in the corporate world … I always tell people ‘do not pay a recruiter’. Did you know that many employment agencies in the corporate world charge the employee for finding them a job? Not all of them, but many do!

    As for “overhead fees” … I’m sorry, but you just mentioned above that people should “START YOUR OWN BUSINESS”! You cannot start, own or operate a business without overhead fees – do you even know what overhead fees are? Have YOU ever owned and operated a business? I not only own and operate my Ameriplan business, but I’ve also had my own computer business – in the corporate world – for 9 years! “Overhead” in the corporate world consists of things like payroll, payroll taxes, rent (or purchasing a building and having a mortgage), insurance, supplies, equipment, product (in my case, I had to purchase computer parts to upgrade/repair computers; at McDonald’s, it’s the food!), accountant fees, lawyer fees, marketing/advertising; in some cases, uniforms, union dues, tools, etc etc.

    Better yet … look at the people that work FOR companies – they are employees! – and what they have to purchase to do their jobs:

    In the “corporate world,” jobs like machinists, mechanics, electricians, plumbers, construction workers, etc. … these people all have to purchase their own precision tools (costing thousands of dollars!), steel-toe shoes ($75-$200/pair), sometimes uniforms ($200-$400/year), union dues, welding equipment, etc.

    Police officers (not all, but in my town and others in my state anyway) now have to purchase their own uniforms, guns, bullet-proof vests, and other safety equipment!

    Real Estate Agents have to pay a $300-$400/month broker’s fee just to use a desk and phone in an office – and they share that desk and phone. In Florida, their broker’s fee is $800/month! That’s in addition to purchasing their own advertisements and marketing materials.

    Beauticians have to purchase their own blow dryers, curling irons, curlers, combs, brushes, etc.

    Here’s my absolute favorite! My husband is a Maintenance Machinist for Kraft Foods – a very large company, right? For fun … when I did our tax return last year, I totalled all of his out-of-pocket expenses for the year … $4,320, he PAID out of his own pocket – unreimbursable! – anywhere from $350-$400/month to purchase tools and other equipment to do his job for this company. I was actually shocked the day he came home and told me he had to spend $400 on a tool cart – the company TOLD him he HAD to purchase this cart because his large tool box on wheels wasn’t good enough – the tool box was a required $675 purchase when he GOT the job!

    I pay Ameriplan $50/month and am provided with everything I need to work my business – EVERYTHING. When I retire my husband next year we will be SAVING $3720/year! 🙂

    As for “don’t give your money to Bobbi” … I, nor does any other person with Ameriplan, do not handle any money at all – the money goes directly to the company. People have the choice to sign themselves up online. The company pays us … not the people joining to work, or enrolling in any of the plans. So, I thank you for telling people this! 🙂

    Well, I think I have made this quite long enough, but I hope you now understand how the “reps” at Ameriplan work … and what “overhead” is …

    Best of luck to you in your future endeavors … Have a Great Day 🙂


  213. Well said Eddy, as always.

    People have options and Ameriplan is just another option. For me, I tried the “corporate america” route but the price I had to pay for the high income was no longer worth it (I had no life outside of work). I chose Ameriplan versus other home businesses because I believe in the services and I don’t have to sell products or host parties, I chose Ameriplan over a work at home JOB because I didn’t want limits placed on my earnings and didn’t want someone else telling me what to do. I choose Network Marketing over a traditional business because there again a traditional business “owns you” and would have really been no different than if I stayed in “corporate america”, etc. etc. The point is there are options and it’s up to each individual to decide what’s right for THEM and that’s the whole point of contributing to this blog so that people have balanced information to decide for themselves.

    Network Marketing does not have the positive reputation it deserves because there have been businesses who have exploited their affiliates for money. In addition, affiliates who do not understand the discipline and dedication needed to be successful and if success doesn’t come to them “right now”, they have a negative view and quit. And the same holds true for any industry that exists, one bad seed grows into negativity. But overall many businesses associated in network marketing are positive and some are actually “household” names. Network Marketing levels the playing field making it possible for anybody to build a business. Try starting and running a traditional business for $50 a month in operating expenses – ain’t gonna happen!!! Do your due diligence, research and ask questions of those affiliated with the business, and make an informed decision. And that’s what this blog is all about.

    And I’m sorry to disappoint you but if you look at and understand Ameriplan’s compensation plan, you would see that your comment about us just wanting to recruit people so we make all this money is WAY OFF base. To the contrary, we are compensated for the time and effort we spend training and mentoring those who are serious, work their business and reach THEIR goals. So obviously, being upfront with people is in OUR best interest as well. Besides, this business has worked for me and I love what I do so why the heck wouldn’t I want to share it with others so they can make an informed decision whether or not this business is a fit for them so they can also have the life they deserve if they chose??!!!!

  214. You are all a bunch of quacks…OFC it is a scam.. Look how hard their reps are working to go out of their way to post on this site…Only scammers go out of their way to prove themselves correct. If you want to work at home then START YOUR OWN BUSINESS!! Learn how to do something and then do it. Do not pay a \”recruiter\” or \”overhead fees\”…Or don\’t, give your money to Bobbi so she can pay her bills…Your choice..

    • What I find amusing is that if the reps of the company didn’t chime in there would be some yahoo saying hey this confirms they’re a scam because they don’t defend themselves. Imagine if our court systems worked the same way. You’re accused of a crime and to prove your innocence you and your lawyer would have to sit their quietly and allow your accusers to say what they want. I wonder how well that would work. Lol

      I understand your disdain for the structure of AmeriPlan and most home businesses but it’s basically modeled after any company. Yes someone could start a business on their own but it’s way harder to do that if you don’t have the experience or resources to get it off the ground. The reason people but into a legitimate home business like Ameriplan is because it gives them the help and support they need to start a business. But if you don’t need that then doing it on your own makes “cents”. But that’s up to the individual to decide. Calling people names and disrespecting people like Bobbi that is trying to provide balanced information definitely takes away from your point of view.

  215. You are all a bunch of quacks…OFC it is a scam.. Look how hard their reps are working to go out of their way to post on this site…Only scammers go out of their way to prove themselves correct. If you want to work at home then START YOUR OWN BUSINESS!! Learn how to do something and then do it. Do not pay a “recruiter” or “overhead fees”…Or don’t, give your money to Bobbi so she can pay her bills…Your choice..

  216. Hello Jay name is Mia and I have been with Ameriplan for 5 years. First I want to apologize for the interview you had. I assure you many of the agents on board are not about inpropriate behavior or being overly aggressive when a person tells us they will think about this career or maybe it is not for them. Nor will we get bent out of shape and get rude with our prospects. But I will tell you this.. Ameriplan is absolutely NOT a scam , 17 year old company, has a purpose, offers a great compensation plan and if you did all your research, companies like Sears, Vision Masters and Pearl Vision just to name a few are part of our provider network, and they would not even deal with us if we were a scam. This is a great company and like anything it takes work and of course you want to like what you are doing just like anything in life to want to continue to do well in it. We have a great support system and our team is incredible. So if you want to try another interview and If you have any questions please do not hesitate to ask and if not best to you and your endeavors..

  217. @Jay:
    Hi Jay ….

    I have to admit I was quite surprised when I read your posting. In my experience, “aka” means “known as” and if this is how you are using it, you are incorrect when you indicate “FACTA Compliance North America aka Centurion ICA, Inc. aka Ameriplan”.

    1. Ameriplan has never been “known as” anything but Ameriplan, Ameriplan USA, Ameriplan Dental or Ameriplan Health, and is in no way affiliated with either of these other two companies.

    2. As a matter of fact, all three of these companies are in different industries, and all have corporate offices in different locales, so I’m not even sure what made you think this was Ameriplan.

    3. The members of the Freedom at Home Team are also trained NOT to quote any type of salary because this all depends on the person and their work schedule, as well as many other factors – $97,500 would be an out and out lie because it takes 2-4 years for anyone working at home with Ameriplan to make a six-digit income.

    4. I am not aware of anyone with Ameriplan that does “video” interviews; we all do “phone” interviews.

    5. People joining Ameriplan do not “purchase a career” – we don’t even have startup costs anymore.

    In all honesty, I have to admit I would have done the same exact thing you did – RUN in the other direction. I commend you on your research as well as your decision, but rest assured Ameriplan does not work this way.

    This is a typical example of why I tell people:

    1. Research the company you are interested in working with first – when you find a company/position you feel you would like to join …

    2. Research the person you are thinking of joining under AND the team they are on. If you are not comfortable with the person you have interviewed with, find someone else – there are more than just one person with any company. Ameriplan has over 20,000 people working at home that would be more than happy to help you – and provide you with FACTS, not hype.

    If I can help you with any questions you may have, please do not hesitate to contact me.

    Best of luck in your search!


  218. Hi, today I had a phone interview with the company FACTA Compliance North America aka Centurion ICA, Inc. aka Ameriplan which quoted a starting position of $97,500 annually. I am qualified and educated where I have had a base salary previously of this amount or comparable. I did the phone interview and my interviewer Mr. Lear was pretty much soiling his panties over my responses….before I googled Ameriplan and then I became reluctant and started asking my own questions. I have to admit, I studied hard during the video interview process and was ready to knock it out of the park, but Mr. Lear became overly aggressive when I wasnt prepared to make an immediate decision of purchasing their career. At first he was all about me and then he switched his tune to that I was not a fit after he just contradicted what he previously said. I’m searching for a job and love flexibility, but this shouts scam to me thoroughly and I find it quite offensive that people like this are preying on people in a volatile economy. Just my two cents.

  219. Hi Eddy – Thanks for the post.

    I received an offer from the company today and am very skeptical. I like how you put your opinion out there without bashing anyone.

    Your words have really helped me in making an informed decision on whether or not to go ahead and call them to start.

    Thanks again!

  220. Hi. I just wanted to say that I have been in Ameriplan since March 2009 and have only 1 member signed up. I have a full time job with flexible hours, 2 babies (9 month old and a 2 year old), a wife and do household chores. I am a bit frustrated that I haven’t been able to give more of my time to this company because of all this in my life. I have done my part here and there handing out information to potential prospects. Many have called but many have other interests shopping around (here in NY anyway where insurances or other health offers are showering, lol.)
    But it has been difficult to speak to prospects over the phone especially when you have two active babies that needs my attention (especially coming home from work, they miss me) and so not always am I able to concentrate on them (few members didn’t find my tiny surround sounds proffessional, lol) But they are the reason why (like many others) want a better life for myself.
    As for any other business, I know that it kinda feels like you have to look for the people that are looking for these services. That is what kills me a bit because it seems like I have to “hunt them down” as someone mentioned earlier. Not that I am hunting them down but it kinda feels like I have to.
    I want to try other options on working from home because I have a big WHY in my life. I want to be with my kids and watch them grow. Not have someone tell me “Guess what your child learned today!” and miss that opportunity. Sometimes I feel that maybe Ameriplan is not for me but I do desire to make it work. People need these benefits. I want to add that people fail to realize that Ameriplan issues discounts for LIPOSUCTION and LASIK! Things that many insurances don’t cover!
    Anyways, sorry it’s a bit long, but I am considering trying WA. Thanks for reading!!

  221. Actually, I have no hidden agenda and no sinister implications as you so implied. I have not posted anything that I’m promoting and have not bashed anything just questioned the legitimacy of it; this is a blog and what people should be doing especially on a site like this when it’s targeted towards exactly what I am skeptical about. I saw a job posting about AP and read negative and positive news. I actually read on a consumer advocacy site (not sure I can mention it so I won’t) that AP has professionally addressed customer complaints and concerns.

    I’m skeptical because I’ve searched far and wide for my wife to work from home while she stayed with the kids and maybe something for me to supplement/replace my income. Not sure why you feel the need to disregard everything as sinister and with a hidden agenda but so be it. It’s what you do I guess in blogs. If I had an agenda or sinister implications, what exactly would they be? I expressed no interest in AP and was extremely curious of WA because I to would rather not use a phone and find other avenues to make money.

    Step out of the box and realize one thing: You are dealing with a line of business that is inherently fraudulent and has been for YEARS! Before you imply again that I have hidden agenda, I’m not saying WA or AP is fake at all, I think quite the contrary actually especially with Bobbi’s professionalism and attention to detail, etc. I’m just saying online work from home, home based businesses, etc. have been, so the skepticism and sheer fear of taking on an endeavor such as these brings questions.

    I’m pulling my information from observations and impressions from my personal experiences with reading about scams, etc. and the difficulties in finding something legit. You should know as well as I do that people create forums purposely to float their own boats or promotions and ideas with fake commentary from the “masses”. I’m instantly leery, as most people are out there, about these opportunities and when some seem similar in appearance, the first impression isn’t always a good one. I clicked on one of your ads for example, unless I clicked wrong or I messed up (it was late last night), that took me to WAU and it seems similar in appearance to scamming sites, etc. So I was like huh and quickly closed them down. I will go back and give it another shot; I’m fair/open-minded but always skeptical of these things. You created a site specifically to talk about my same feelings so I am not alone, you’ve been there I’m guessing as well. 😉 I would LOVE to have something that actually did work but ………………………..

  222. Hey Eddy, I just wanted to say, I think you’re awesome and I appreciate you 🙂 (and let me just qualify, I don’t know you, you don’t know me, I have no business relationship with you – I just periodically chime in on your blog when I feel the need to contribute).

    I love your blog because you are one of the few who actually allow ALL opinions/sides/ experiences as long as expressed somewhat respectfully. That is HUGE and just clearly illustrates your professionalism. There are many opportunities out there for people who are serious about reaching their goals and Thank GOD! we don’t all want to do the same thing – how boring that would be aside from the obvious.

    I believe most of us here are sincere in our desire to provide information from our own personal experience for people to decide for themselves but you can’t please everyone. No matter what you do or say, someone is going to find fault. I just think of it this way….

    Some people will LIKE you for the WRONG reasons; some people will LIKE you for the RIGHT reasons; some people will DISLIKE you for the WRONG reasons; and some people will DISLIKE you for the RIGHT reasons. The only group you need to be concerned about is the last one – people who DISLIKE you for the RIGHT reasons.

    I wish Everyone Much Success in whatever they choose to do.

  223. Oh Eddy, check this out. I’ve been really getting into paid blogging. I found a lot of the leads on your site through some of the many links that you have available. I’m sure you want me to continue to spread the word about you and your site, so if it’s still ok, I’ll keep you mentioned in my work as well. Somehow I’m getting behind in your blogs and I end up in different discussions every time I try to come back to the last one I was on. So, is that contest still going or do you have another one going? I’ll have to check my emails to really stay up to date. I tell ya’ I’m a busy girl these days. Well, I’ll be in touch one way or other ok.

    • That’s great to hear. I love hearing when folks are taking action on my recommendations and making money. Great job.
      In terms of the contest, I’m going to have to remind people every month because folks have been slacking with it and not taking advantage of that easy money. So I’ll have to do a repost for next month to get people back on their grind
      and do so every month. Didn’t you already win one of these? lol

  224. You handled this one well Eddy,
    But yeah, he lives to show people he named himself that for a reason. How bout he came up on me after I posted the link to workathomenoscams during the contest that I won. I kindly told him that it’s all about what everyone else does and hopefully using your good and helpful leads doing research and following someone like you with experience and knowledge in this field. One thing Mr. Skeptical is also is a fraidy cat. So this is for you Mr.Skeptically afraid :
    “The successful person makes a habit of doing what the failing person doesn’t like to do.”– Thomas Edison

    • Hey TLC, 😉

      Thanks for chiming in. I’ll give dude credit. At least he didn’t resort to cursing. Otherwise his comment wouldn’t have seen the light of day. lol Sometimes people just need to hear themselves talk. Some folks like bringing others down
      to make themselves feel better and label it an “opinion”. Although I doubt most people share some of the “concerns” he mentioned about me or my site. However, it’s important to air that stuff out as we do it for other companies reviewed on this site. It would be hypocritical of me not to allow these comments to ride, especially since he actually took the time to articulate his thoughts in a respectful way. So I don’t know if I’d call him a fraidy cat. He did have enough courage & balls to state his opinions.

      But that’s what this blog is about. It’s a forum for people to share ideas and debate intelligently. So I’m not hating on him. But I did have to clarify some points with facts and not just mere opinions. Now it’s up to grown folks to decide between the comments, their research and what they’ve experienced first hand to decide where the truth lies. I can’t spend my energy trying to convince people I’m the real deal. I have enough of you that already know this for a fact. So I just need to worry about helping ya’ll achieve your goals. (And yes making money while doing it. Perish the thought. See I said it again. lol 😉 )

      Great quote though!

  225. I’ve read just about this whole blog and it all seems fishy, but I’ll intelligently explain:

    1. Why is it all the same people from the same team are replying to this? (a few other “competing” ones might have chimed in but it’s a blur now.) 🙂
    2. One person actually came back to apologize for her negative comments after “rejoining” the team. (Did she get scolded?)
    3. Mia is a self-admitted friend of yours, so of course you’re not going to bash AP; she is of course on the same team as mentioned in comment #1
    4. Are you getting your own residual by NOT bashing AP and helping “promote” this team? (I don’t suspect you’d answer that, it’s rhetorical). Again, refer to #3.
    5. You heavily, HEAVILY promote your own sites which of course is your prerogative, it’s your blog but that alone could lead to even further skepticism towards the validity of this blog and website(s).
    6. You go so far as to answer “Is Wealthy Affiliate University a Scam?” and you do critique it but I’m pretty sure I clicked on one of your links and it took me to WAU. Of course you are not going to bash your own website promotion too heavily.
    7. I’ve seen some clever “scams/schemes” that look legit with big names thrown in there “ABC”,”AOL”,”Google”, etc. Devil’s advocate: Couldn’t yours be the same?

    I’m afraid to click on links on sites like this as I’m not much in to viruses, back-door trojans, etc. but I have clicked on a few and it all seems kind of scripted. Although this blog is good and apparently legit, thus my reason to post and hear the responses roll in. However, people have ulterior motives all the time. What separates you from the rest?

    Anyone can fluff themselves on various sites so not sure the validity in that either as was recommended on numerous occasions to research individuals.

    Your Wealthy Affiliate program sounds too good to be true and you know how that cliché ends.

    Again, clicking on these sites is risky typically; so I haven’t done that to all or very many for that matter. Trojans and all sorts of other harmful “infections” can be impeded in video, etc. I’m not saying I won’t eventually, just explaining why I haven’t and my concerns BEFORE that fateful click. 😉

    Thanks for the chance to be heard!

    • Yawn, Just woke up and this is what I have to wake up to. Oh here we go again. I don’t even know why I bother. But if I don’t then that will make me fishy too or not responding will as well. You Can’t win with some folks. lol

      Either way, Let me address all these points. Because it’s clear what the motivation is even though it is being represented as a harmless way to get heard. lol

      1. In any blog or forum there are always going to be certain users or commenters that tend to chime in more than others. Anyone that’s been on enough blogs and forums can attest to that. That being said, obviously it’s in the best interest of some of these users to chime in on an article that gets read by so many people looking to join Ameriplan. If they provide useful and balanced information then they’re more likely to get some easy sign ups. That is the purpose of their business so I don’t knock them for it especially when they do a good job of presenting the information.

      Bobbi for instance has in my opinion always been very balanced. She was one of the few people that would readily admit some flaws of the company. Too often when someone is representing a given company they only sell you the great things about it. I think reading the back and forth comments anyone can see she’s providing some balanced feedback. But at the end of the day, this is their business. They are supposed to chime in. And others have done as well. So anyone reading this post and the comments will have both sides of the story. Ultimately it’s up to them to decide if Ameriplan is for them. There is enough information on both ends to make an educated decision.

      2. I have no idea. Sometimes people apologize if they feel they’ve said something wrong. It could be as simple as that and nothing as sinister as you implied.

      3. Uh, I’m not sure if you actually read the review. But I was very clear about my experience with Ameriplan where I laid out it was something that didn’t work for me on several occasions and that I wouldn’t recommend it if you’re NOT a phone person. I don’t know what else you want me to do. I’m not going to “bash” a company for the sake of just doing it. I know that’s hot on the streets now with many blogs. I’m just not that dude so if that make me fishy, So be it. I base my feedback on my experience or research. That review was purely on my own experiences and that’s pretty much it. Knowing Mia has nothing to do with anything because if it did as you implied, I would have said that this company is perfect and anyone should join it. So I don’t really see your argument here.

      4. I clearly state in the review that I dropped Ameriplan and I focus on affiliate marketing now. Anyone that has read any of my articles on the blog in its entirety, knows its the one opportunity I consistently recommend not Ameriplan. If I were involved in the company wouldn’t it make more sense for me to push this company in most of my posts, have it my recommended links section and recommended page, etc. So again, I don’t know where you’re pulling this stuff from.

      5. Are you kidding me? If that’s the case any website that pays for ppc or does seo shouldn’t be trusted. Google, Ebay, Amazon and any other site with some desire to make money shouldn’t be trusted. It’s a freaking business. Of course I heavily promote my site. Hello?

      6. Uh it doesn’t take a rocket scientist to figure out I’m an affiliate of WA. I clearly say it in the article and I recommend it all over my site. As you pointed out the article was meant to bring to light the weaknesses of the company as I did with Ameriplan. This way people can make an educated decision regarding joining or not. Again if I just wanted everyone to join, the review would go something like this: “Join wealthy affiliate, it’s perfect and you’ll make money instantly after joining with no work.” After all that’s what so many of the people you’re implying I am do. But again any rational person that has read that article will immediately see that’s not the case. I don’t hide the weaknesses, I lay out some of the biggest ones line by line. I’m not in the business of bashing companies for the fun of it. But I am in the practice of bringing to light potential issues so people know what to expect or avoid if it’s a concern for them.

      7. Yeah I’ve seen them too. The difference is they never actually link to the articles or media they claim to have been on. I do:

      The reason these scams don’t chose to link to the stories or references is because their companies have paid to have commercials or ads on the time slots of the shows their referencing. They were never actually in those shows or have been recommended by those companies! So again, I don’t see your point in trying to make that correlation with me when the difference is very clear.

      In terms of WA, anyone reading this review: that has some common sense would never get the impression that WA is too good to be true. I laid out some of the biggest weaknesses that will scare most people away. That was done intentionally because I know it’s not for everyone. So I would hate to see these folks lose their money or time. Something that sounds too good to be true usually makes claims like they’ll magically do all the work for you, you’ll instantly start making money after joining them. WA makes no such claims. They make it very clear from the start of their website, you’re expected to work hard to make this work and that’s the type of folks that should join WA. So again I don’t know where you’re pulling this stuff from.

      In regards to fluffing one’s self, I agree anyone that has some good marketing skills can do that. But fortunately for me I actually have well known legitimate companies that do it for me:

      In regards to your implied secret agenda comment, I’m a blogger / affiliate marketer. Anyone with two cents knows that means I get paid to market things. I’ve referenced that so many times in all my articles that you would literally need to be blind as Stevie Wonder or slow as Forest Gump not to get this. But you would actually have to read my full body of work to know this as well. Even if you didn’t, I state this for all the world to see right under my picture on the right of this page and every page of this site. So it’s not some dirty secret I’m trying to hide. There is no hidden agenda. It’s smack right in your face. By definition my job is to promote stuff. The difference between me and probably a lot of other folks in this industry is that for the most part I promote companies that I have actually tried, researched or made money with. I even document this with videos. I don’t just run around willy nilly recommending everything under the sun. I’d probably be rich if I did. But I don’t get down like that. I also provide free resources such as my companies page, job leads every Friday and my scam section:

      They are totally free resources that do nothing but help people. In fact most of my recommendations are totally free to my users even if I’m an affiliate of them. I purposely try to find things that won’t cost folks a dime because I know a lot of folks can’t afford to get involved in a home based business even if it’s legit. But the purpose of this blog is to give people various options regardless of their situation, educate them and make me money. It’s not something I’m hiding. I have a kid and family to feed. I don’t do this stuff just out the kindness of my heart. I love helping people but let’s not get it twisted. I think anyone can appreciate that. After all most of the people visiting this site want to make money too. Duh!

      In regards to your virus and trojan comments, get a virus protection program such as AVG at It’s free and works very well. Then you won’t have anything to worry about or get a mac like I did. lol

      In any event, I hope you achieved whatever your goal was. Seems to me you have more of an agenda than I do. But I guess I’m doing something right when I get these type of comments. You can’t win them all. lol Cheers. 🙂

  226. In response to Madden’s post above. Although the inaccuracies I found to be numerous, I’ll try to just hit the main points….

    #1 “First, Ameriplan is not a health insurance plan”.

    THAT is correct. This is clearly stated on all Ameriplan websites, brochures, member booklets, etc. etc. etc. Ameriplan programs are Discounted Fee For Service also known as Consumer Driven Health Care.

    What does this mean? It means there are no pre-qualification requirements, limitations, pre-authorization requirements, long-term contracts, co-pays, deductibles, claim forms, etc. Also, with Consumer Driven Health Care, instead of an insurance company determining the level of care, this decision is put back into the hands of the provider and patient to decide.

    #2 – “then submit the bill for re-pricing at a later date”

    Incorrect. Members pay the REDUCED fee at time of service.

    Instead of a provider waiting for reimbursement from an insurance company, with a Discount Plan, this is not the case. Instead, the member pays the reduced fee to the provider, directly, at time of service. With that being said, as with traditional insurance, it is up to the provider office (in accordance with their respective policies and procedures) whether they will accept a payment plan or require the entire patient portion up front. With that said, most will, if appropriate, allow for a payment plan in accordance with their patient’s ability to pay.

    For example, if you have dental insurance, normally it only covers 50% for major dental work and the patient pays the other 50%. Some dental offices require the patient to pay the full patient portion at time of treatment and some allow them to pay over time. The same would apply with Ameriplan. The patient would pay the reduced fee (in many cases this out of pocket can actually be less than with insurance) in full at time of treatment while others allow them to pay over time.

    #3 – “there are compelling reasons why this plan is not an attractive choice in any imaginable circumstance.”

    You know what ticks me off more than anything about this totally irresponsible, self-promoting comment is that someone might buy into it and not become a member and then not be able to go to the dentist or the doctor because they can’t afford to when, if they had Ameriplan, they could. I feel that comment to be a totally, blatant disregard for consumers.

    To the contrary, there are SEVERAL circumstances where Ameriplan’s Discount Programs offer consumers a savings on their out of pocket expenses whether they have traditional insurance or not. In fact, unless someone has a really, really, really, REALLY good health, dental, vision, prescription, hospital, chiropractic plan and rarely gets treatment, I can’t think of ANYONE that wouldn’t save money having an Ameriplan Discount Card.

    I have traditional insurance AND Ameriplan and I’ve saved A LOT of money using my Ameriplan card. Here’s a couple personal examples….

    I needed a root canal and crown. If I would have used my insurance, I would have had to pay $1,134 out of pocket (the portion my insurance wouldn’t cover). I used my Ameriplan Discount Card instead and paid $925 instead for a savings of $209.

    Our vision insurance covers glasses every 24 months. Well, my 10 year old son broke his glasses prior to the 24 months being up; therefore, my insurance would pay ZERO. I used my Ameriplan Discount card and saved $400 on my son’s glasses (NOTE even if he would have broken his glasses AFTER the 24 months and my insurance would have covered, I still would have paid more out of the pocket using my insurance than with Ameriplan).

    My kids needed sports physicals for school. Our insurance only pays $50 for a physical and these sports physicals cost $398 each. By using my Ameriplan Discount card instead of our insurance, I saved $218.00.

    So, from these 3 visits alone, if I would have just had my insurance plan and not Ameriplan too, I would have paid $827.00 more. Just think how much money these programs can save people without insurance or that are underinsured and that’s why our programs have saved our members over $1 billion dollars.

    #4 – Comments about our Provider Network

    Some areas have a larger provider base than others just like with any insurance plan’s network of providers. You’ll obviously find more concentration of providers in metro areas as opposed to rural areas. We have an online search for providers and potential members can search for providers in their area prior to deciding whether or not our program is the best solution for their personal situation.

    With that being said, there are situations where you don’t HAVE to have a primary care physician close to you but still can benefit greatly from our programs. For example, a member may not save on the office visit if that’s the case. However, they could save on their ancillary (labs, MRI’s, x-Rays, etc.) where the biggest cost is plus have the Hospital Advocacy Program and have access to a registered nurse available 24/7. At least this way, the out of pocket isn’t out of reach AND they don’t have to worry about losing their house, ruining their credit, losing all their assets, etc. just because someone in their household ends up in the hospital.

    In addition, members and potential members have the option to refer providers to our network where our Provider Relations Department will contact the provider, etc.

    #5 – “Ameriplan is a multilevel marketing company….”

    The network marketing business model is actually one of the best marketing models; however, also one of the most abused. There are network marketing, direct selling, multi-level marketing companies out there that are not reputable but guess what, when they aren’t (reputable), they don’t last. Nevertheless, you don’t throw the baby out with the bath water so to speak. Ameriplan’s reputation speaks for itself. It has been in business for almost 20 years and is a Member of the U.S. Chamber of Commerce, Direct Seller’s Association, Dun & Bradstreet Listed, Consumer Health Alliance, National Association of Dental Plans.

    Are they perfect? No, but I’m sorry there is NO company that is. I’ve worked for top companies in “corporate america” (Law Firms, International Transportation, INSURANCE) and while all these companies are reputable companies, every single one of them has issues and people would be shocked by what goes on behind the scenes and I venture to guess this would apply to ANY company out there. I mean, think about it, companies are run by people and people are in no way perfect.

    #6 – “Some people have suggested that Ameriplan is actually a scam (just google “Ameriplan scam” for plenty of examples”

    EVERY negative comment I found was due to one of these reasons: a misunderstanding, not a good fit in the first place, not following procedure, expecting get rich quick or little effort, not working the business consistently or being accountable for one’s own success, trying to reinvent the wheel and failing to be coachable and trainable, not giving the business a fair shot/giving up too soon, or (especially) just someone trying to promote their new venture using negativity to attract people and playing upon their fears. The blog post that I’m commenting on here appears to be due to a combination of these reasons.

    #7 – “not licensed health benefit professional”

    Quite simply, there is no need to be because the programs are straight forward unlike insurance. Our members get whatever care/services they need and pay less for it aka Consumer Driven Health Care. No pre-qualification requirements, limitations, pre-authorization requirements, long-term contracts, co-pays, deductibles, claim forms, etc.

    #8 – “Ameriplan network does not include any hospitals”

    WRONG. Our Hospital Advocacy Program, administrated through the Karis Group, applies to any hospital in the U.S.

    #9 – “From our perspective, it makes sense to get health benefits advice from licensed, trained and experienced professionals.”
    And “risk-free trial”

    From my perspective, let me just say this, who do these “licensed, trained and experienced professionals” work for and who are they accountable to????? Need I say more?!

    Our members don’t sign any contracts and can cancel at any time so guess what happens if we don’t advise them correctly? They can cancel at anytime. And guess what happens when they cancel? We don’t continue to get paid. Therefore, it is in OUR best interest to advise them correctly. We don’t get a large sum for signing them up and then having them cancel. We earn based on RETENTION and this retention isn’t due to being “locked in” – they can come and go as they please. There is a direct correlation here so obviously….

    Also, guess where a large portion of our members come from? REFERALS Our members save lots of money and, in turn, tell their friends, co-workers, family.

    Furthermore, our members can get their membership fee refunded if they cancel within 30 days. After 30 days, they can still cancel at any time but just don’t get their money back. This is perfectly understandable – I mean, think about it. It wouldn’t make business sense to extend this out indefinitely.

    Okay, I’m done, I didn’t mean to write a book here LOL. I think Bobbi and/or others can fill in what I missed.

  227. @ Madden

    You know AmeriPlan has been around for 17 great years providing people with a solution to their healthcare needs. It may be good for some and it may not be good for others – that is why our members have a Risk Free 30 Day Trial period to test out our services to determine whether or not if we are what they are looking for. Now I did view your website ( ) not only do we have GREAT SERVICES but we also have GREAT WEB DESIGNERS that provide us with professional well informed marketing sites for our consumers so that they can fully research everything about AmeriPlan.

    ( Everyone has a right to their opinions – but it doesn’t mean every opinion is right – but you definitely have a right to yours ).

  228. @Eddy Salomon:
    Hi Eddy!

    I will definitely be responding to Madden’s posting/advertisement … due to the length, as well as inaccurate information and misleading comments it will take a little time, but I will be providing FACTS about Ameriplan’s programs.

    In answer to YOUR question about the “we” in Madden’s posting, it is quite apparent by the statement, “including all of the discount plans offered here at”, as well as by looking at this website that he/she is an insurance broker. I have also reviewed the one-page site on discount plans that Madden provided as well … 🙂

    Stay tuned …


  229. Oh yes, I, for one, will be more than happy to provide FACTS in rebuttal to Madden’s “advertisement” above; however, because most everything stated above is incorrect or at the very least VERY misleading, it will take a little time to write up so please stayed tuned….

  230. @Nadine:
    Hi Nadine …
    You indicate you are searching for a mentor to join Ameriplan, but you did not leave any way to contact you. If there is a particular mentor on this blog you would like to talk to, just click on their name in the upper left-hand corner for their contact information.

    Otherwise … you may want to post your email address or if you have any particular questions, please don’t hesitate to ask – we are all here to help people like yourself …

    Have a Great Day!


  231. FAQ’s

    What is wrong with Ameriplan?
    Q: Why were you so negative on the person who had a complaint about Ameriplan?

    A: We receive many complaints from people who find that they are enrolled in a health plan that does not provide adequate coverage for medical expenses. While there is nothing wrong with Ameriplan ‘per se’, there are compelling reasons why this plan is not an attractive choice in any imaginable circumstance. We are sympathetic to consumers who did not understand the limitations of this plan when they enrolled but we believe that the consumer shares responsibility with the marketer and Ameriplan for the damages. There are several quite obvious and compelling reasons why consumers need to pay more attention to this any all other health plans before they enroll. supports PPO discount plan enrollments at enrollments (as well as with several other providers) and these well-established plans are used to contrast the services of Ameriplan.

    First, Ameriplan is not a health insurance plan. Ameriplan is a multilevel marketing company promoting a discount pricing plan that might help some consumers save money. The company is clear about this fact on its official marketing materials, unfortunately some of Ameriplan’s unlicensed marketing representatives fail to mention this very important fact up front in their marketing. The Ameriplan marketing we often see tends to focus on the emotion-packed issue of health care affordability so that consumers lose sight of what they are buying.

    Some people have suggested that Ameriplan is actually a scam (just google “Ameriplan scam” for plenty of examples) but we would not go that far. We believe it is simply a weak business with the problems typical of multi-level marketing and, in any case, a bad consumer choice.

    It seems obvious that when low cost health insurance is available in the same price as a discount plan, the insurance is always a better option. Low priced limited benefit health insurance plans like Basic Health Insurance, short term medical insurance, Value Med and Value Hospitalization already include the full benefits of a PPO discount plan so in a sense these plans contain two types of benefits – insurance and discount PPO pricing. Intermediate priced plans like Core Health Insurance provide even better values.

    The main shortcoming of Ameriplan as a discount plan is that consumers must pay for medical treatment at the time of service and then submit the bill for re-pricing at a later date. (This consumer warning is clearly printed in bold red ink on Ameriplan’s Web site). In contrast, health insurance contracts typically allow the patient to defer their portion of the payment (other than deductible of co-payment) for at least as long as it takes for the insurance company to process the claim. This helps consumers “buy time” and budget their medical expenses, especially when treatment is needed on an emergency basis.

    If a discount plan is desired and health insurance is unavailable or unaffordable, there are plenty of more reputable and lower priced choices available throughout the United States.

    Second, discount pricing should follow a code of conduct that is fair to consumers. Some of this conduct is required by law and some is just good business policy. It is our opinion based on Internet advertisements that some Ameriplan marketing published by its unlicensed marketers does not meet state laws and may be deemed misleading by state regulators.

    Third, we believe that PPO discount plans should be offered for free with insurance or at a minimal cost outside of insurance. It makes no sense to spend a lot of money on a benefit plan that is supposed to save you money! The cost of the PPO plan enrollment directly reduces your net savings on health care. The best PPO discount plans tend to be the least expensive ones; we cover this topic in more detail in other PPO plan reviews.

    Fourth, it appears that Ameriplan marketers named in complaints are not licensed health benefit professionals. Instead, we suspect they might be part-time contractors attracted by the “get rich quick” recruitment efforts of Internet-based pyramid schemes. Even those marketers who are motivated by good intention appear to lack the education and training to make valuable recommendations to the public. From our perspective, it makes sense to get health benefits advice from licensed, trained and experienced professionals.

    Fifth, the Ameriplan discount provider network is inadequate in many locations and clearly inferior with other available PPO discount plans. In contrast consider the PPO discount plans offered by Careington, the nations largest provider of these benefit plans. Careington offers access to the nation’s highly praised Private Health Care Systems Inc. (PHCS) network of providers. Based on our spot check of a few random zip codes, It appears that in many locations the number of PHCS providers outnumber the Ameriplan providers by at least 10 to 1. To see a list of PHCS providers in your area, go to and click “Find a Provider”.

    Sixth, Ameriplan network does not include any hospitals. Since such a large portion of catastrophic medical bills come from hospitals rather than physicians’ practices, this cripples the effectiveness of Ameriplan. In contrast, all of the medical PPO plans (with the exception of Rx or dental only plans) listed at include a hospital network.

    Seventh, to our knowledge, all reputable PPO discount plans (including all of the discount plans offered here at offer a risk-free trial period so that consumers can evaluate the benefits of this service without financial risk. In some states, this risk-free trial provision is required by law. Placing a time limit (for example 30 days) tends to prompt consumers to check out the plan early as possible rather than wait until a more serious medical problem arises (and they discover inadequate coverage). We see no mention of the risk-free trial on Ameriplan’s Web site. While we have no knowledge of their internal operating procedures, we can conclude that the company does not choose to advertise this risk-free trial as a “front and center” basis like other prominent providers of PPO discount plans. See for a contrast in how this risk-free trial is clearly explained prior to enrollment.

    Eighth, we believe that the close similarities between the name and swirling red stripes logo of “Amerihealth” (a reputable and well-established health care company) and “Ameriplan” (a more recent marketing company) is confusing to consumers. Regardless of whether this is a legal similarity or an illegal copyright infringement, it is potentially damaging to consumers who may attribute the good consumer reputation of Amerihealth to the less reputable company.

    The reasons to avoid Ameriplan might continue, but we believe this is more than adequate reason to convince any consumer to steer clear or this company.

    • Madden,

      Thanks for your post. Wow, was that detailed. Very comprehensive stuff. However it would be nice to know where this stuff was copied and pasted from. Who exactly is “we” when you say:
      “but we believe this is more than adequate reason to convince any consumer to steer clear or this company.”

      It would be helpful to people reading this post if the “we” was clearly stated so folks can make an informed decision. It seems the “we” seems very confident in their statements so they definitely shouldn’t be elusive about who they are.

      In terms of the points mentioned, I’m pretty certain the Bobbi and a number of other Ameriplan folks will be chiming in to address the points that you have brought to light. It was very informative and it should be interesting to read the rebuttal. Thanks for sharing.

  232. To Eddy,
    First, I would like to say I have read every posting on this site from the beginning & will continue to read it because I have found it to be full of very helpful information. I happened upon it when I was investigating Ameriplan & after reading all the many good things said about the company, I knew it was a site that people could go to & express their opinions, good or bad, while be helpful at the same time. I don’t think you’re being at all fishy for providing links or reference to your own company, why shouldn’t you? Afterall, that’s why you’re in business is it not? But at the same time you’re allowing others to express their opinions & I appreciate that you’re doing that.

    Some people just aren’t happy unless they’re raining on somebody else’s parade.

    Keep up the good work.


    • Hi Mary,

      Wow you’re the best. Most people just skim my stuff. lol I really appreciate the fact that you actually take the time to read this stuff and for your continued support. I’m really happy you could see my point of view regarding the commenter that resorted to cursing and name calling. You’re absolutely correct, misery loves company. I just need to learn to ignore the negativity when possible and focus on the tasks at hand which is to provide an environment for people to discuss opportunities in a constructive manner so we all can make informed decisions.

      Thanks again Mary.

  233. I’d like to join Ameriplan and have been
    gaining knowledge regarding mlm/nwm’g.
    So I’m at the point where I know I want
    to join Work at home Team, but now
    looking for a mentor.

    I want to hit the ground running and put
    my all into it, so I need to work with
    someone with experience and can help
    me build a team locally on-line and off.

  234. Eddy …. if posting this information is against your policies, I will understand if you delete it, just thought it would help those like Lilly who are anxiously awaiting answers or need help.


    If you would like to reach someone in this blog … or even have questions you would rather not post publicly … you can reach any of us here by clicking on the blue name in the upper left corner of each posting. This will generally take you to the persons’ contact information – phone, email, website, etc.

    But please keep in mind that the answers to your questions may also help someone else 🙂 so don’t be shy – we’re all here to help each other.

    Have a GREAT Weekend!


  235. @Eddy Salomon:
    Hi Eddy!

    Hey! I got a notification on this one – cool beans!

    Yes … I saw that comment last night when I was browsing to see what I’ve missed! Loved your response and couldn’t agree with you more!

    No problem helping Lilly – or anyone else for that matter! I did, in fact, return her call first thing this morning, but haven’t heard back from her yet. One thing I am very particular about … and that is making sure I return all calls and answer emails withing 12-24 hours if not sooner, which in this case was ‘sooner’ as she had left her voicemail mid-afternoon (my time zone anyway) yesterday. Hopefully, SOMEONE was able to help her.

    Yes, I do check my spam and junk folders constantly throughout the day. Although the notifications have never gone there, I have found other emails in there on occasion that didn’t belong there. Who knows? They probably got lost in cyberspace somewhere – lol! I did turn the notification off – then back on – just in case. Like I said, as a fail-safe, I’ll just physically pop in here and check for postings – I don’t want anyone thinking I’m not responding to something. Putting myself in a reader’s position, that’s what I would think, but that’s certainly not the case … as you know, Eddy, I don’t work that way … I will respond to anything.

    Eddy … don’t let that comment bother you … all of us here know it’s not true and anyone reading this blog – or any other article on your site – would see for themselves anyway. One thing I’ve learned … no matter how hard one tries, you can’t please everyone all of the time. Besides, anyone can see that if you were “fishy” or doing anything remotely close to what that poster indicated, you could have just deleted the post, but you didn’t … you posted it … and you responded to it! I for one respect you for that.

    You have a great site here, Eddy – don’t let anyone tell you any different … WE appreciate what you are doing here … and so do thousands of others who are looking/researching a work at home opportunity or home based business.

    God Bless You for what you do here ….

    • Bobbi,

      Glad notifications are working again. Thanks for the words of encouragement. I agree. I shouldn’t let such comments bother me. I guess I find it annoying when people are quick to make judgment calls without actually doing their due diligence or taking the time to view a person’s body of work. I’m totally open for constructive criticism. But it really gets my goat when people resort to Simple Simon behavior such as cursing or name calling. After all, we’re adults so I just assume people can use their “big words” and intelligence to communicate disagreements or criticism. But I guess I’ll have to accept that a small minority of people aren’t capable of doing this. In which case, I should just let it roll off my back. I’ll try my best as I’m sure there will be more of these type of comments in the future.

      You’re absolutely correct in that you can’t please everyone. So thanks again for your kind words. I really appreciate it!

  236. @Mia:
    Hi Mia!

    Hmmmm kind of strange because the postings were there last night after I posted them – checked in here today, good thing … again … I got no notifications of either yours or Laura’s postings and I am “subscribed”. Will have to make sure I physically check the blog from now on – never had this problem before.

    I’m sure Eddy will “fix” it for us 🙂

    Have a GREAT day!


    • Bobbi, Laura & Mia,

      Thanks for chiming in and helping Lily. This is the type of professionalism I like about Ameriplan Brokers. It’s good to see this in light of a recent comment by a member of your company: This shows folks that may be looking into the company that there are many decent and professional folks
      willing to help you succeed with Ameriplan.

      In any event, in terms of not receiving the comment updates. I haven’t received any other reports of an issue with it. It could be possible the emails are ending up in your spam or unknown folder. So you may want to check there.
      Or try changing the subscriptions settings to off and then back on again.

      It would appear to be working because I noticed immediately after Lily’s comments Mia jumped in and I believe she’s only subscribed to comments about this article. In terms of the comments showing up. Please understand all comments are held in moderation until I go and approve them. There is actually a notification of this after your post a comment. Or there should be one. LOL In most cases, I try to approve them within 24hours – 48 hours. Unless they’re just disrespectful, blatant self promotion or something I can address offline with an email.

      Hope this clarifies any confusion. Again thanks for contributing to this post with useful information and feedback without resorting to immature behavior. I take it for granted we’re all adults but in light of the recent events and the comment above, I guess that was too much to assume. lol

  237. Hey Teammates, sorry that I replied to Lilly’s post but when I logged on Bobby your posts were not showing at all or Lauras so that is why I added my email address..

    So Eddy… I guess.. it may take a while for the posts to show..

    So Lilly enjoy your time with AP much success to you and enjoy the journey this is an exciting time in Ameriplan with the additional compensation plan i s place.. New Binary AP Flexplus plan.. To many cycle checks team 🙂

  238. Hi Lily, Welcome to our AP discussion and nice to see you are fired up to get back into the business. I am with the FAHT I am an SRSD and I am sure you have read some of my posts here. I know you have been talking to 2 people and having problems contacting them. So if you need assistance of any kind please do not hesitate to ask..

  239. Hi Eddy!

    Wow! This is the first notification I’ve received in a LONG time and looks like I missed quite a few postings … I’ll start checking here on a daily basis and not wait for the notifications, but just thought you’d like to know I haven’t received any and that’s why I haven’t been here. I’m sure you know this is one of my favorite places to be! 🙂

    Hope you have a great weekend!


  240. @Lilly:
    Hi Lilly! WOW! Talk about timing – I just picked up your voicemail from this afternoon! Sorry I didn’t pick it up sooner … Ameriplan started a new enhanced compensation program which launched this week, so I spent my day helping my team with questions and training. I would be more than happy to help you, and will call you tomorrow.

    Looking forward to talking to you!


  241. Hey Lily, I would love to have you on my team. If you click on my name, it will take you to my website. I’m not sure if you’re aware but LOTS of Very Exciting Additions – Ameriplan is launching a refined binary with a 90% payout (weekly bonuses and monthly matching bonuses) on Monday on top of the residual income, SecureNet, Freedom Pass. Pretty exciting!!!! It’s to your advantage to get all the information about this new bonus program ASAP because if it’s something you’re interested in, you can secure your spot before everyone else does. Feel free to call me anytime 763-633-4814 and if you don’t have unlimited long-distance you can reach me at 1-866-573-2261. Thanks, Laura

  242. I read this blog for a hour lol….I was a previous Ameriplan IBO and I loved it. Although I had to quick due to a nasty divorce….but now I am ready to Join again….I just seem to not get a dang call back from the 2 people I have contacted. Hmmmm……Ill just wait I guess!!! Ameriplan is a great opportunity but it definetly isnt for impatient people. At first I had gotten really discouraged but you just need to keep on keeping on and stay focused and organized. Also keep in good contact with your upline. The conference calls are helpful also. Ameriplan is not a scam I dont think. You do have a monthly overhead but I look at it like your “renting” a space in the backoffice lol. I am most definetly a phone person and a computer person so it worked out while I was able to do it. Like I said I am ready to joing again…but cant seem to get ahold of anyone…..CAN ANYONE HELP LOL. Id like to be with the FAHT…I was with them previously….SOMEONE HELP LOL!!!

  243. I think your just shit talking on ameriplan and trying to get people reffered to your wealthy affiliate nonsense, you have name dropped and link dropped that company several times.

    You sound fishy to me.

    • Hey Daniel,

      Thanks for expressing yourself so eloquently. NOT. Here’s the thing, if you actually read the article and the comments above I made it clear that Ameriplan was a good company that people could make money with if you were a phone person.
      I just stated it wasn’t for me. I didn’t realize that was a crime in your world. Not surprisingly the other reasonable Ameriplan brokers respected my point of view and were also professional enough to correct me on policies that changed without resorting to name calling or cursing. If I were so “fishy” and just focused on my own agenda, I wouldn’t allow other brokers to comment and provide the helpful feedback and advice they have about Ameriplan. But to know this you would probably have to actually read the comments above.

      Oh and by the way, this is my blog so I can recommend whatever companies I like to my heart’s content. Especially if I feel they are a good and legitimate alternative for folks. If this makes me fishy, so be it. Fortunately I have helped enough people avoid the real fishy and scam artist over the years: that most people recognize I’m here to help them. People that are fishy aren’t featured or recommended by the likes of AOL, News 12, ABC, Businessweek, etc:

      I doubt any of this matters but at the very least you got an opportunity to get your accusations and cussing out in the open. Hopefully it makes you feel better. I don’t know if you won any fans for Ameriplan by such actions. But fortunately there are enough professionals from the company that represent it in a great way with their comments above. Have a great day Daniel.

  244. @eddysalomon:
    Hello Eddy,

    I have been with the company for three years and I wanted to answer your question regarding chargebacks with our company. We are a non chargebackable company. I don’t usually reply to sites like this because they tend to give a one sided point of view, however, you have done a good job expressing your opinion based on your experience. I do not feel that you are a moron I believe that your opinion is just that…your opinion and this opportunity is not for everyone.

    • Hi Keren,

      Thanks for chiming in. I appreciate it. Many members have also chimed in and explained that your company has done away with that annoying practice. That’s great news for current and new brokers alike.
      In any event, thanks again.

  245. As far as getting leads go, I have never heard of getting “all the leads you want.” It completely depends on the team you are on. Some team leaders like to provide leads to their IBOs to get them going immediately. Some like to give leads to the ones they know are working their business. Some do a combination of both these approaches (or others).

    Above all else, on the Freedom At Home team (the team I am on) you are given the tools to be able to generate leads on your own via the training you are given on online or offline marketing. It completely depends on who your enroller/upline is and what approach you feel most comfortable with. They will steer you in the right direction.

    On the Freedom At Home Team we are also give a lot of resources for free leads and suggestions for places to find the most qualified leads or sometimes just leads for practice when we first get started.

  246. @jon:
    you can get dental insurance thru Ameriplan for $19.99 per month… and you can look at the discounts you get at participating dentists in your area. You can’t beat it. Its a great deal and takes effect immediately.

  247. @jon:

    Ameriplan has set fee schedules that give you an idea of how much it would cost for your dental services. You should check out our provider list if you want more details about the fees in your area.

    Because this is a discount savings plan and not an insurance company, instead of paying hundreds each month, you would be paying a small monthly fee and also paying at the time of service to get a pre-arranged discount. The idea is that if you were going to pay out of pocket anyway, you might as well get savings of up to 80% on your bill. You can do a Provider Search at:

    Now to get started with the individual dental plan, it is $14.95 with a $20 administrative fee. That’s around $35. Ameriplan membership comes with a 30-day money-back guarantee. So let’s say you tried it out and you weren’t that excited about the discounts you got, you could cancel yuor membership and get that $14.95 back (the $20 admin fee is non-refundable).

    Now if you chose to get started as a Basic IBO, you would be getting that dental plan (w/chiropractic, vision and prescription drug savings included in the plan– same as with a member) included as your IBO Benefits. You would also get our Freedom Pass Program which lets you save on your everyday spending too (restaurants, automot