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!
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.
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.
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.
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.
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.
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.
It’s not considered insurance and shouldn’t be promoted as such. Ameriplan is very clear about this. However it may not stop some/ reps from misleading people.
thanks.also, i was wondering if ameriplan ‘shares’ linformation with low-end recruiters or companies trying to sell ‘educational’ services.
Hi Karen,
I have no idea. I don’t work with that company.
Hi Karen,
No, AmeriPlan absolutely does not sell any type of information to a third party.
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 is..you 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
Well said Jayme! All great points.
Hey Eddy! Thanks 🙂
Always a pleasure Jayme!
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.