Is Ameriplan a Scam? Healthcare Discounts NOT Insurance

Is Ameriplan a Scam - Healthcare Discount NOT insurance

Do you need to pay to save on healthcare services? This is the concept of Ameriplan. By buying into the business you can save, but you can also recruit others to earn you income. But is Ameriplan a scam? Does this make it a business worth investing in?

I don’t believe in dragging it out so I will answer my question, and no I don’t think it is a scam, but I don’t think it’s a great business to get involved in. Let me show you why:



Product Name: Ameriplan

Website url:

Cost:  For enrolment – $24.95 per year, Ameriplan Dental Plus – $24.95 per month, Ameriplan Med Plus – $24.95 per month, Ameriplan Delux Plus – $39.95 per month

Rating: 3 out of 5

My Recommendation: Ameriplan isn’t a particularly compelling business idea and can be a difficult sell. If you want a way to build a reliable long term profitable online business in something in which you are totally bought in, read my top recommendation.


What is Ameriplan?

Ameriplan is an American MLM business opportunity, founded in 1992, that offers discounted healthcare, prescription and dental plans.

The kind of discounts you are looking at are between 20% and 80%. But we are not talking about health insurance, we are talking about Plans. I think herein lies a lot of confusion. More about this later…

The idea is that these products are targeted towards people who cannot afford health insurance.

There are 3 types of plans including

  • Dental Plus $24.95 a month
  • MED Plus – $24.95 per month
  • Deluxe Plus Membership – $39.95 per month

What is Ameriplan


How do you make money?

What is unusual is that they are quite open about how to become and IBO (independant Business Owner) on their website. Often when you register for these types of companies it’s a bit cloak and dagger and you have to wait to be called by someone who will talk you through everything. So I like that this is open.

Firstly you have to pay a joining fee of $24.95 ANNUALLY to get started and receive the discounts. This is the case for anyone, whether you want it to be a business opportunity or whether you just want to save.

If you want to make it into a business, once you have paid the enrolment fee, to start officially as an IBO you have to have sold at least ONE of the above plans.

You cannot make any commission until you have sold products yourself. This is similar to another American Networking MLM, ACN

This is an MLM business, which means that you can make money in two ways.

    1. By selling the discounted products to others and making a commission from this
    2. By recruiting other people into your team and making money off their commissions. The detail of this is in their compentsion plan, so if you want to know more, take a look at the video


Who is Ameriplan for?

They make no bones about the fact that is for people who don’t have any health insurance or can’t afford it. So that is who the plans are targeted at. The business is targeted at anyone who want to have their own home business and likes talking on the phone, but has a thick enough skin to accept rejection, which I believe happens a lot!


If you are here, looking to build an online business,

then take a look at my number one recommendation 



Are you good on the phone?

One of the key features of Ameriplan is that it requires you to sell on the phone. This may be great for some and not for others, it really depends on your personality, so think about this. You would be ‘cold calling’ which is calling people who have no prior engagement with the brand, using a push marketing strategy (pushing products to people) to sell.

Personally, I am not a fan of cold calling and trying to convince people to buy your product. It’s a hard sell and a hard way to make money. I prefer when customers come to you and there are other businesses you can learn where customers come to you.

A big issue for me here, is that there is no training on this. This has to be the most difficult part of the job and to leave this to guess work seems crazy!



Sadly for Ameriplan, the biggest thing that you see out there on the internet is talk of complaints about their business. People talk about not being told properly about the sales reps not being clear that this is not a healthcare plan, it simply is a discount offer.

See the disclosure statement. Its VERY hard to read!

Ameriplan Complaints

Others complaints are about the pushy nature of the sales reps. This is a common complaint with MLM businesses and you have to be this sort of person to be successful in this industry.

People also complain that there are not enough clinics out there who accept Ameriplan. It’s all very well having a discount but if you have to drive for miles and mile to get the care, then it’s not worth it.

You need to pay to do this job. That doesn’t sound right and is one of my cardinal rules, that you shouldn’t have to pay to work, or indeed pay to be paid.


My Verdict

In answer to my original question, is Ameriplan a scam, as I have said already, I would say no. But I don’t think it is a particularly good business opportunity either. Yes of course people have been successful in this business and that can’t be denied.

This is always the case in MLM business as those that have a pushy sales nature and are fine with rejection and recruiting friends and cold calling. If you are find with this, then it could be a business for you.

Personally I prefer more of a pull strategy where customers are actively looking for your product and seek YOU out rather than the other way. An example of this is affiliate marketing. You can learn to build a business this way much more easily and cheaply than working with Ameriplan.

I would love to know if anyone has had any experience with Ameriplan, or even if you have bought any of the healthcare packages and disagree with me.


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4 thoughts on “Is Ameriplan a Scam? Healthcare Discounts NOT Insurance

  1. Kavinah says:

    I’ve heard of Ameriplan but since I don’t live in that part of the world, I’ve not had any experience it.
    Any business that involves selling and especially if mainly based on performance will have some pushy element to it. I don’t see that as a bad thing personally. Sometimes people have to pressured to make simple decisions. I have heard of people who have found themselves with huge medical bills, for them this could be a life saver.
    I do agree as a business opportunity there less pressurizing ways to make money depending on the individual flare.
    It was a pleasure reading your blog.

    • Ruth says:

      Thanks Kav. I appreciate your honesty. The company wouldn’t have been running for so long if it wasn’t doing something right. If this is the type of business and selling that you are into, then it could be a good fit.

      Thanks for making a comment!

  2. Shannon says:

    Hello there. I am not personally familiar with Ameriplan, but I’m always very leery of multi-level marketing schemes. I think most other people are leery as well, which would make it a very difficult sell. It seems scammy to offer a “discount plan” but kinda sorta make it seem like they’re offering insurance. And you are right that you should never have to pay to work somewhere…the company should be paying you. 🙂

    • Ruth says:

      Absolutely right Shannon. I think some of the reps, not all, get away with selling plans because people believe it’s insurance. This is what the vast amount of complaints are about. Shocking. Having said that people have made money with this plan, but it’s not for me!

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