Is AmeriPlan USA a scam? Or Is It A Legit Progam?

Is AmeriPlan USA a scam? Or Is It A Legit Progam?

Is AmeriPlan USA a scam? Are the discounts as real as they seem? Can you actually make money with their program? Follow us as we take an unbiased looked at AmeriPlan USA.

Company: AmeriPlan (AP)

Creators: Dennis and Daniel Bloom

Description: Discount Medical Plan Organization that offers discounted medical plans for a monthly fee.

Price: $24.95-$39.95 per month

Recommended? Yes

Rating: 8 out of 10


AP (AmeriPlan USA) started all the way back in the early 1990s. Two identical twins, by the names of Dennis and Daniel Bloom, started to see a need for discounted medical plans among the nation.

When they initially started out, the provided discounted dental plans. Basically, if you paid so much every month, they could give you discounted plans for your entire household.

This not only helped you, the customer, but it helped the dentists as well. With you coming to their dentistry, they would have more patients to take care of, and thus more money. It was a win-win situation all round.

And so, with this vision in mind, AmeriPlan was started.

The company, and discounted plans, became so popular that the Bloom brothers were able to expand the discounts that they were offering. Back then, at no additional charge, they added vision, prescription medication and chiropractic care packages on top of the dental plans.

According to their website, AP boasts of being the USA’s largest fee-for-service discount provider. In more recent years, they have also added other medical plans to their packages, including ancillary medical services, telemedicine, physician medical care and hospital advocacy.

The mission that AP strives for is to:

  • Provide high quality and affordable medical care, dental care, prescription drugs, vision and chiropractic care to the average American family.

  • Hold the well-being of our members, Independent Associates, service providers, staff and our company in equal balance.

  • Foster an environment which promotes a spirit of cooperation, self-improvement, leadership and genuine concern for each other.

  • Adhere to the highest standards of professionalism, service and leadership that will earn us the respect and praise of our industry while providing financial stability and independence to those who would earn it.

Discounted Plans

AP offers two medical discount plans.

AmeriPlan Dental Plus. This plan gives you immediate access to discounted Dental, Hearing, Vision, Chiropractic and Prescription services. A monthly household plan is only $24.95

AmeriPlan Delux Plus. For only $39.95 per month, your household will get the AmeriPlan Dental Plus plan, as 24-hour access to a doctor by phone or email. On top of all this, this plan also offers you exemplary Hospital Advocacy and Ancillary Care.

AmeriPlan Isn’t Insurance

Many places over the website, AP is quick to point out that they aren’t a medical insurance provider. They only deal with discounts for medical services.

What this means is that while these discount services are good, you still need to make sure that you have medical insurance for you and your family. AP also recommends talking with your insurance provider before buying their discounted plans.

AmeriPlan Isn’t For Everyone

Assuming you haven’t guessed it by now, AP only deals with those who are in the USA. Additionally, they don’t provide their services in the following states:

  • Alaska,

  • Guam,

  • Montana,

  • North Dakota,

  • Puerto Rico,

  • Rhode Island,

  • South Dakota,

  • Vermont,

  • Washington,

  • Wyoming,

  • US Virgin Islands,

  • Utah

Do We Recommend AmeriPlan?

Everything we have looked at with AP stands out, and as far as legit goes, they check out on all levels. That being said, just because something is legit, doesn’t mean that you need it.

We would recommend AP to those who have large households, as well as those whose medical insurance policies cover very little.

Many policies now-a-days cover discounts within their own programs, so it’s recommended to check with your own medical insurance before you purchase one of AP’s plans.

Also, if you know a lot of people who would benefit from AP’s discounted plans, and are interested in making some money on the side, these plans are also for you (see below).

Can You Make Money With AmeriPlan?

AP offers you the luxury of being a BC (Benefit Consultant) to help bring people to their discounted plans. If you get someone to buy one of AP’s packages, you can earn anywhere from around $10-16 per person, depending on which package they choose.

What’s also nice about this is that if that person continues to pay for a monthly plan, you’ll be rewarded residual income each month that person continues to pay.

While there is a yearly payment of $30 to take part in becoming a BC, for every person you get to buy a plan, you’ll earn 40% of what they pay to AP.

Earn More With A Downline

You can earn even more, assuming the people you refer become BCs as well. This is called a downline.

A downline is just a fancy word for making money from people who your referrals refer to the program. I know it sounds a little confusing, but let’s try to break it down a little.

Pretend you refer your friend Jim to AP. He not only buys a Delux Plus plan, but also decides to become a BC as well. Let’s also pretend that Jim has a good friend name Anna, who needs a medical discount plan.

If Jim refers Anna to the program, you’ll make some money off of what Anna purchases, because you initially referred Jim.

The great thing about this is, you’re making money from people you didn’t even refer! For more information on BC program, and how these downlines work, you can check out their opportunities page here.

Is Becoming a Benefit Consultant Recommended?

we would recommend being a BC only if you know a lot of people who are interested in medical discount plans, or those who are in need of them. If you don’t know many, or any, people who would be interested in something like this, then we wouldn’t recommend this program.

This program will work well for you if you know many who will buy these programs. But there are many other recommended programs we’ve reviewed that can help you make money from.

AmeriPlan Is No Scam!

AP has been helping families in the USA find medical discounts for over 25 years. They offer affordable services for entire households, helping you save money, especially if you have a large family.

AP’s Benefit Consultant program is also a great way to make money. Not is there potential to earn a lot, but there is also the aspect of helping families find medical coverage for less money.

You can find out more about AmeriPlan’s fees and services, as well as their Benefit Consultant program, here.

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