Business Review


Overall Rating: Overall Rating
Type of Business: Multi Level Marketing
Skill Level Needed: Intermediate to Advanced
Income Potential: N/A
Recommended: No

Ameriplan Business Review

by David Harris

Ameriplan, by Dennis and Daniel Bloom and found at, is a discount health plan for consumers and Physicians. It is also a “business opportunity” filled with much problems, infighting, lawsuits and countless public complaints, and this is what we’ll cover in this article.

I’ve been made aware of several problems that sometimes happen when one becomes a ‘broker’ for Ameriplan. I put broker in quotes because this business model is more a multi-level marketing venture than a sales job.

You will not be selling any of Ameriplan’s products to people. What is expected is to bring in more people so that they will bring in more people and so on. They have a couple of ways they suggest to do it.

One way is to approach your family and friends, and we know how this affects relationships over time. The other way is to buy very expensive prospect leads from Ameriplan itself. They will tell you that you will make tons of money this way.

The mentality of the herd, according to many, many complaints is almost cult like and support is not often, well, supportive. There’s a hierarchical pecking order that treats new salespeople like serfs.

They are told that they are not even allowed in the corporate headquarters, according to sources. Things you are told in recruiting are often contradictory to Ameriplan’s rules and guidelines. They act as if it’s more like a family than a business.

Truth is that you are as much a customer as you are a broker since you’re paying the monthly broker fee, buying leads and other recurring costs, but that’s expected in any business venture you plan on undertaking.

The other side of the coin is that those who are on the top side of this multi-level marketing business model are doing extremely well and will pressure those under them to keep the money rolling in.

I see complaints from the underlings of not getting paid their bonuses, residuals and other monies due them. In fact, if you conplain, the higher ups find or change some bylaw to be able to fire you and with-hold your back pay.

Make no mistake – this is NOT a family environment. It is a business. All the hype they push on newcomers is an attempt to brainwash them into bringing in as much for the top people above them until they don’t serve a purpose anymore.

Nefarious practices against their affiliates notwithstanding, the BBB has recorded many complaints from consumers about Ameriplan and their product, as well as numerous complaints from the members on other forums.

It’s been stated that only about a hundred or less people have actually reached any kind of success above a hundred thousand with Ameriplan. When you consider there are over fifty thousand people out there hawking this product, I must consider this a business I don’t recommend.

I have to say that this is not something I want my readers to get involved with in any way whatsoever. Many multi-level marketing businesses only profit the people at the top.

Ameriplan is so problematic that I can’t see anyone being happy after prolonged exposure to their program.

I do not recommend Ameriplan.

Thanks for reading…

– David


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3 Comments/Reviews

From my own personal experience with Ameriplan, I found it to be somewhat helpful with reducing Chiropractic costs during a time when I was no longer covered by my regular Ins. This was due to the rare luck that my chiropractor accepted the card. It was useless with all other provider’s. Dentist,PCP,Acupuncturist etc. As far as the IBO aspect of Ameriplan is concerned, Its terribly difficult to make any real money marketing the program. Definately something to pass on unless it happens to fit your own personal situation.

I joined Ameriplan over a month ago. I have yet to make any money with this business. People I talk to don’t even sound interested. The commission payout is not that great from what I’ve read on their website. As far as the leads they are not great either. In this business you have to contact these leads and market the business to them. Most of them hang up the phone before you even get a chance to tell them about the products. Some of the providers don’t take the membership plans anymore. It’s not as easy as them make it out to be. For someone who is at home everyday and they don’t have to pay bills or draw income right away then this business would be perfect for them.

I tried Ameriplan thinking this would be great if I could make money AND help people save money. I totally fell for it. I signed up with a very nice lady. I spoke to her twice and thought she seemed legit but after I signed up I got spammed with so many emails from her and others I got way too overwhelmed. The emails were duplicates of other peoples emails so I received many of the same emails. I never received another call in person and after a couple months of not getting anywhere decided to bail. I think that this opportunity may possibly be legit but the lack of help wasn’t worth it for me. I have found another opportunity that I am so in love with I need to share. They are so well organized and clear with their information that I haven’t felt overwhelmed at all and it is completely free to start! I sincerely recommend it! Changed my life.


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