AmeriPlan Review – Legit Or Scam?

AmeriPlan ReviewHas someone approached you lately about joining AmeriPlan?

This doesn’t surprise me – it’s been getting a lot of hype in the last couple of week, with people pitching it all the time.

First, let me make one thing clear – I am NOT in any way affiliated with AmeriPlan.

I simply wanted to gather all the details here for you in my AmeriPlan Review so you can make an informed decision.

Is AmeriPlan truly a scam?

Does it really work like the marketing materials say it will?

Read on to find out in my Review of AmeriPlan.

Let’s get going!

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What The Heck Is AmeriPlan?

Today, I’m going to be taking a close and in-depth look at the MLM opportunity AmeriPlan.

AmeriPlan was first launched all the way back in 1992, and as per the company’s official website –

“In the early 90’s, identical twin brothers Dennis and Daniel Bloom saw the need for a value-oriented discount fee-for-service dental program, and founded AmeriPlan Corporation.

Soon Dennis and Daniel expanded their vision to include a broad array of high quality, affordable healthcare programs.

To provide greater value to the consumer, they added prescription medication, vision and chiropractic care to the program at no additional charge.

Through research, trial and error and perseverance, the brothers determined that by using the best features of the direct sales marketing model, they could provide financial opportunity to thousands of people and bring these needed healthcare programs to the public.”

In conjunction with co-foundering AmeriPlan, Dennis Bloom is currently serving as the CEO and Chairman of the Board for the company, whereas Daniel Bloom is AmeriPlan’s current COO and President.

Here’s where things get a little bit confusing.

An article was published in 2001 in the Network Marketing Lifestyles Magazine that indicated that the Bloom’s experience in the corporate world first started when they provided marketing services for individual accountants.

As the Bloom’s business client-base grew, “Soon they started getting requests for a good dental program that independents could afford.”

Following this –

“Their CPA customers loved the program…and so did their customers – The CPA’s were brining them referrals!

Dennis and Daniel soon realized they were making more money from their little $15-per-month dental program than from everything else they were doing.”

From here, this is where the idea for AmeriPlan first blossomed.

I was only able to find one issue in regards to AmeriPlan’s regulatory situation, and this issue popped up in July of 2006.

During this month and year, “Montana State Auditor John Morrison issued a cease and desist order after charging AmeriPlan USA, its founding officers, Dennis and Daniel Bloom, and Shirl Shelly, a Montana resident, with numerous violations of both the Montana Insurance Code and the Montana Securities Act.”

A few months after this cease and desist order, AmeriPlan eventually settle for the lump sum of $200,000.

Essentially what was taking place is that customers of AmeriPlan in Montana were purchasing discount cards and then unable to use them because there were little-to-no providers in the state that would accept them.

On top of this, “AmeriPlan (was) charged with conducting an illegal pyramid promotional scheme because it sold ‘broker packages’ for the purpose of recruiting memberships.”

This appears to be the only issue that AmeriPlan has run into in the 24 years that it’s been in business, so with that out of the way, let’s take a look at the actual opportunity being offered by AmeriPlan.

AmeriPlan Scam

What Can You Tell Me About The AmeriPlan Products?

In regards to the product line that AmeriPlan has to offer, there are currently three different savings plans that customers can sign up for.

The actual cost and features that those plans offer are as follows –

  • AmeriPlan Dental Plus – “gives you immediate savings on Dental, Vision, Prescription, hearing and Chiropractic services.” Costs $24.95/month.
  • AmeriPlan MED Plus – “gives you 24 Hour Access to a Doctor by phone or e-mail and immediate savings on Prescription as well as Hospital Advocacy and Ancillary Care.” Costs $24.95/month.
  • AmeriPlan /deluxe Plus – “AmeriPlan combo membership includes out Dental Plus discount program, MED Plus and additional non-medical discounts.” Costs $39.95/month.

What is worth noting is that the official AmeriPlan website indicates that the above plans are “NOT INSURANCE.”

What Can You Tell Me About The AmeriPlan Compensation Plan?

Moving over to the compensation plan that AmeriPlan is advertising, affiliates for the company are able to earn money by selling the above subscription plans to retail customers and other affiliates that have been recruited to join the opportunity.

Commission Qualification

In order for affiliates to be considered “active” with the company, they’ll need to either purchase one of the above subscription plans for themselves of sell one to a retail customer.

Once this qualification has been met, affiliates can then start earning the commissions being offered to them.

Direct Subscription Commissions

When it comes to direct commissions, affiliates are able to earn these when they sell the various subscription plans to retail customers.

In this case, affiliates are able to earn their commissions in advance on the idea that the customers they’re selling to will continue to pay for their subscription for a minimum of five months.

With these commissions, the more that you sell to retail customers, the more money that you’re able to earn. For example, your first sale of a Dental Plus or Med Plus subscription will allow you to earn $19.96, but your 4th retail sale will increase that commission to a nice sum of $49.90.

Additionally, selling the Dental Plus and Med Plus subscription will allow you to earn even more ($31.96 for your first sale and $79.90 for your 4th sale).

Recruitment Commissions

In addition to being able to sell these plans to retail customers, you can also try and sell them to new recruits that you get to join the company.

These work out in a very similar fashion, with a higher commission being paid out as your recruit more and more people to becoming affiliates for the company and purchase one of the available plans as well when they sign up.

Are There Membership Fees For AmeriPlan?

If you’d like to join AmeriPlan, you’ll need to pay a yearly fee of $24.95.

In addition to this, you’ll also need to either sell a subscription plan to a retail customer or purchase one yourself if you’d like to become an active affiliate for the company.

Is AmeriPlan A Scam?

If you’ve come across a review that says AmeriPlan is a scam while researching, I wouldn’t be surprised.

A lot of marketers will tell you something is a scam just so they can sell you something else.

So, can you trust those other reviews?

What is the truth about AmeriPlan? Is it really a scam, or is it legit?

I would say no, not exactly. However, there are a few things in the business you should be aware of – read on to the conclusion to find out what they are.

Knowing what you’re getting into is the best way to be successful.

See below for my FREE training that will help you make money!

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What’s your Conclusion About AmeriPlan?

As you could probably indicate in the introduction to this review, the case surrounding AmeriPlan is a bit confusing.

The idea of selling savings to people is always a bit of a grey area in the MLM world, as getting someone to pay money each month for supposed discounts is always a bit questionable.

In addition to this, AmeriPlan’s structure also makes it completely possible to completely ignore retail sales and earn money by simply recruiting other people to join the company and purchase plans when they sign up as affiliates.

As per the company’s website, “While there is no membership purchase required, your business will grow and flourish more quickly if you are a satisfied member and have money-saving stories to share with others. We recommend that you purchase one of our Discount Memberships and then USE it, to SAVE money then SHARE your money saving stories with others.”

While there isn’t anything wrong with purchase these plans yourself if you fully intend to use them, the ability to purchase these in order to simply qualify for commission does create for an issue.

If healthy retail activity is taking place and real customers are using these plans, then AmeriPlan is operating as a perfectly legitimate opportunity. However, if people are simply joining, making a commission-qualifying purchase, and then recruiting others to do the same, you’re looking at trouble.

Talk to your potential upline and see what their retail sale activity looks like. If the outlook is good, have at it! If not, you might be looking at a pyramid scheme.

Tread carefully with this one.   

I hope that you are able to use my research in my AmeriPlan Review to make a decision.

If you do decide to become an affiliate with AmeriPlan, make sure you take the time to learn how to market yourself.

My FREE training can help you.

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