Ameriplan was founded by Dennis and Daniel Bloom in 1992 and has successfully established itself in the health insurance sales industry. When they first started out the brothers specialized solely in dental insurance.
The company, headquartered in Texas, now offers discount supplemental insurance for the following: vision, dental, and medical. They target the uninsured or underinsured citizens of America.
The company claims to be the premier Discount Medical Plan Organization. This kind of claim and the promise of not having to deal with products or inventory gets people to join as both customers and independent sales reps.
Products and Plans:
Their full range of services now covers:
- Physician medical care
- Ancillary medical services
- Hospital advocacy
AmeriPlan Dental Plus $24.95 per month - This plan covers your entire household and gives you access to 75,000 Dentists, 12,000 Optical Providers, 56,000 Pharmacy Locations and more than 7,500 Chiropractors at pre-negotiated discounted rates.
There is a $20 registration fee.
Dental (Oral Exams, Teeth Cleaning, Fillings And Crowns, Orthodontics and much more...)
Vision (includes Frames Direct, Ophthalmology Eye Exams, Frames, Lenses, Tints And More...)
Prescription Drugs(including Diabetic Supplies)
*Non Medical Benefits Include: Office Depot, Dell Computers, Sprint, JCP Portraits & Free Conference Calling, Ameriplan Cash Back Saver
MED Plus Membership $24.95 per month - Includes 56,000 Pharmacy Locations, 24/7 Access to Telemedicine that provides contact with board-certified doctors via phone or video. $20.00 Registration Fee
Telemedicine (24/7 Access to U.S. board-certified doctors & pediatricians by phone or email)
Bill Negotiator (helps save on current and prior medical bills)
Healthcare Navigator (access to skilled advisors to quickly deliver real time results)
Surgery Saver (gives members an advisor who will provide info regarding cost, quality, availability and physician privileges)
Prescription Drugs (including Diabetic Supplies)
Ancillary Services(includes MRI, CT Scans, Blood work and more... )
Ameriplan also offers a combo membership for $39.95 per month with a $30 registration fee.
Keep in mind that these plans are NOT Insurance or Medicare Prescription Drug Plans. Ameriplan plans offers you medical services at pre-negotiated discount rates, you are still responsible for paying all medical costs.
Prior to signing up you can search their network of partner providers to see if this will be a vialbe solution for you and your family.
Ameriplan Business Opportunity:
The company relies on a direct sales model to get their plans to the most vulnerable and underinsured members of society. The peer to peer business model allows them to reach these people providing them with more options for health care coverage.
Moreover as an independent benefits consultant you have the opportunity to grow a business while simultaneously helping people.
If you have any questions you can receive assistance by calling their phone number at 1-800-647-8421.
Some people say it's difficult to make money in the Ameriplan Business Opportunity because their network coverage areas isn’t as large some of the more established companies. This makes it difficult to recruit members since you can not guarantee they can receive health care with an Ameriplan discount plan.
In the past some benefit consultants have complainted that the company forced them into a monthly fee, however for that money you are also receiving your very own Ameriplan. This helps you in the sales process as you can honestly explain how the plan works and share your personal experience.
Competitors and Alternatives:
If you are looking to get into insurance sales through a direct sales opportunity the main competitor to Ameriplan would be Primerica.
If you are currently enrolled in an Ameriplan or have previously used one please leave an honest review below.
32 ‘Ameriplan’ Reviews
I was in contact with someone who works for this company. Lets just call her A.J. She was very rude when I told her that I found a company that you don't need to pay them to work for them. I do think this company is a scam. She had a lot of comments to say when I told her I do not want to get any more emails from her or anyone who works for this company. She still continued to be rude and contact me.
I have been getting these email's from Ameriplan for over two years now and sometimes they call me. I am very skeptical about investing money into something that doesn't have proof of dollars earned from start to experienced. I keep reading all of these post and not once does any of the people who post that work for Ameriplan, indicate how much money they are really making and how long it took to get there. For most people, especially in today's economy, making $200 a month to put out $150 isn't realistic. Spending money to make money is of course how business operate, but how long until you get a good return, and if you aren't supposed to quit your full time job (which most people can't because they would go bankrupt) how are you to devote 9 hours a day into marketing for this company to or selling it's product without becoming completely burnt out. To those of you that actually work for Ameriplan, lets not beat around the bush!! Give some real explanations on how your making your money and how much your making and the amount of time it took to get there. Not just praise the company...
I have SO many questions, I am not sure where to begin? Can someone please (of course briefly) explain how this works? As far as the employees, how long have you been with the company and are you happy with the opportunity and how is it working for you. I am somewhat confused and.
OK, I know that it's always a risk to invest in a business that has so many mixed reviews. I have done my research. My only concern with this company or any home based business that pays commission is the chargebacks. When customers decide they no longer want to be on the plan of course you have to be prepared for the chargebacks to come out of your account. That could be devastating to your finances if not expecting it. I've read the reviews on this website and I have to agree that most people who speak negative of these home businesses were either looking to get rich quickly or just had a very bad experience. Also, sometimes the key people and trainers who have been in this business for a long time, will speak highly of the company and it's owners especially when they are making six digits or millions. So I would suggest finding out what those who have only worked the business for no more than six months can tell you what they think of the company and if they feel like it's a legit business to go into.
Hi Kay, I'm sorry you had an awkward experience with your conversation with Janie. She is an awesome person/speaker. She is the leader of our team. She has been very instrumental in a number peoples success within the company.
I've been with the team a little over 3 months now. My background is managing Credit and Collections departments. I can honestly tell you that in all my years of working in a corporate environment, I haven't felt like more part of a team than I do now with Ameriplan.
Try not to feel apprehensive about this opportunity, research the company and find out for yourself how great it is. Be excited!!
To the person who said it was a pyramid scheme, please do your research. This is no different then Mary Kay, Avon, or Amway, except we don't sell lotions or potions, we offer a service that people need.
To the person who stated that they made six figures and the company cut you off. If you read your handbook, you would not have done something unethical, which would have resulted in your association with the company being terminated.
I found the website through somebody offering it on ask.yahoo. i've been out of a job, and have a family at home and really want to work at home and make the good money. i'm a good hard worker and dont mind putting my time and effort into doing that. so i submitted that i wanted information and the Janie lady emailed me, so I called to speak with her, and she sounded like she was surprised that I called. And was confused of some of the questions I was asking and kind of rerouted her questions toward amping up the benefits of being an independent rep. At the end, she asked for my name and birthday and social security number for if I were to make over $600 I would need to be sent a 1099, but then told me I had to pay the 19.95 to start today, and the $75 monthly fee, which I never told her I wanted to enter as level 2.. so she just assumed, I'm guessing. When I told her I didn't have the money today and I could call her back when I did get it, she ended the call as fast as it started stating "okay you can give me a call back and just let me know that we already spoke when you are ready to start your business." I dont know... I felt very excited about researching the company and working for my own business, the great pay and benefits I would receive. But after that phone call, I feel more nervous than excited, and now this lady has my social security number and if I never respond, what happens then??
Ive been approached to become a Broker. I'm unsure. Is there a pro/con list I can review and research ? Also to a present Broker, what was your beginning start up days like in a step by step approach?
1.) This is a Multi-Level Marketing scheme. Strike one.
2.) You pay an initial fee plus a monthly fee for the "privilege" of working for them. Strike two.
3.) You put more effort into recruiting new reps than in selling the product, because that's where most of the money is. Strike three.