• Report: #5361

Complaint Review: Ameriplan USA

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  • Submitted: Wed, June 06, 2001
  • Updated: Sat, March 04, 2006

  • Reported By:McAllen TX
Ameriplan USA
P O Box 815 Harlingen, Texas United States of America

Ameriplan USA -rip-off Uncollected Debt, upaid advertising bill *REBUTTAL ..lawyer threats *EDitor's Comments

*Consumer Comment: People, Get Off Your High Horse; Let's Take A Step Back...

*Consumer Suggestion: Absolutely correct..NO OBLIGATION on part of AmeriPlan

*UPDATE EX-employee responds: beating a dead horse

*UPDATE Employee: Good and Bad in all !

*UPDATE Employee: Good and Bad in all !

*UPDATE Employee: Good and Bad in all !

*UPDATE Employee: Good and Bad in all !

*UPDATE Employee: Ameriplan is one of the best I've seen!

*Consumer Suggestion: Ameriplan Providers Are Pre-Screened

*Consumer Suggestion: Ameriplan nonsense

*Consumer Comment: I swallowed what I thought at the beginning was a lot of pride.

*UPDATE EX-employee responds: Response To Catherine, glad to hear you are doing so well with Ameriplan

*REBUTTAL Owner of company: Best thing to happen to my family and me...

*Consumer Comment: To Philip in Florida

*Consumer Comment: Anyone Else See A Pattern Here?

*UPDATE EX-employee responds: Won't Change MY MIND

*Consumer Comment: Good Grief

*UPDATE Employee: NOT A RIP-OFF?????

*UPDATE Employee: What's wrong with this post?

*UPDATE Employee: NOT A RIPOFF

*Consumer Comment: AmeriPlan is honest company, lawyer is correct

*Consumer Suggestion: Unhappy IBO, Haven't made ONE RED CENT!!!

*Consumer Comment: this report has atually helped me decide to go with Ameriplan

*Consumer Comment: Action Speaks Louder Than Words

*Consumer Comment: Talk about over-reaction!

*Consumer Comment: Talk about over-reaction!

*Consumer Comment: Talk about over-reaction!

*Consumer Comment: Legal Eagles should learn better bed side manners

*Consumer Comment: Learn the meaning of IBO ,,Ameriplan does work. It save us alot of money

*Consumer Suggestion: Get Your Money Upfront

*Consumer Comment: scam YES it is or I guess now was

*UPDATE Employee: This is not a company dispute...

*Consumer Comment: Let the truth be told-

*Consumer Comment: The view of another

*Consumer Comment: Unsolicited Email from Ameriplan, ..a multi level marketing scam

*UPDATE Employee: Response from an Independent Ameriplan Broker

*Consumer Comment: Thank you Rip Off Report

*0: This law office represents AmeriPlan Corporation. *EDitor's Comment to the lawyers mumbo jumbo

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I need help in collecting a sizeable upaid advertising bill from a representative of Ameriplan USA. I have been unsuccessful in getting any response from Ameriplan USA or any of their representatives. Hopefully, there is someone out there that has experience in collections or a good suggestion on how to go about collecting this long overdue debt. Please email me at jw48@hiline.net

Here is my Report:

Winter Texan Expos, trade shows produced for thousands of northern visitors to South Texas, attract thousands of older visitors in our area each year. It is an ideal means of reaching this market. Our contract was with Ameriplan USA with a Myguel F. Marconi, broker for Ameriplan USA actually signing the contracts.

Two trade shows were involved. One was in McAllen Texas on January 31 & February 1, 2001. The following was in Harlingen Texas on February 6 & 7, 2001. The total cost after discount to the broker was $940.00 and he paid $290.50 down with the contract. At set up time, he gave the excuse that his briefcase had been stolen along with his check book and all credit cards. At that time, we had no reason to question this. Now however, we realize that this was probably just an excuse to avoid paying for the balance on the contract. He promised payment in 2 weeks.

Booths were furnished to Ameriplan USA & Mr. Marconi in both shows and their sales materials were distributed through their exhibits in both shows. Considerable expense is involved in the production and marketing of the Expos and each exhibitor pays his share by the charge for the exhibit space. Approximately 8,000 to 10,000 people attended the two expos.

Six months later, we cannot even reach Mr. Marconi. We have a balance of $640.00 which remains unpaid. Email to Ameriplan USA does not even get a response.

The address shown is P O Box 815 Harlingen, Texas 78550.Telephone is 956-496-4995 and fax number is 972-702-0337. As we dealt with Mr. Marconi, we do not have address or phone numbers for Ameriplan USA although I do have the Email address.

Please let me know if any additional information is needed.

Thanks Jerry Walker

Click here to read other Rip Off Reports on Ameriplan USA

This report was posted on Ripoff Report on 06/06/2001 12:00 AM and is a permanent record located here: http://www.ripoffreport.com/r/Ameriplan-USA/Harlingen-Texas-78550/Ameriplan-USA-rip-off-Uncollected-Debt-upaid-advertising-bill-REBUTTAL-lawyer-threat-5361. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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0Author 37Consumer 1Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

People, Get Off Your High Horse; Let's Take A Step Back...

AUTHOR: Deidra - (U.S.A.)

I was online looking for information about Ameriplan and came across this very interesting message board with all these "complainers" and self-righteous people responding in turn with how the compainers shoulda tried harder, and are incoherent and can't form complete sentences etc. It's actually quite funny b/c I am familiar with these types of posts from a while back when I read on Rip-Off about how a similar company called NHCD was a scam, only on THAT board one of the angry complainers for NHCD said they were with Ameriplan now, which they loved and recommended to the NHCD scamees! I guess it's always fascinating how everything connects in the end and it just goes to show how with every opportunity there are pros and cons.

Here's my point: [I would like to maintain a neutral platform in stating the following...]

I have nothing to do with any of this mayhem and uproar b/c I don't need any coverage and I've never been a broker (although I might like to be depending on what my investigative efforts turn up), but I would first like to point out that I agree with the what the lawyer stated in regards to Mr. Walker's situation with Mr. Macaroni (who by the way almost sounds like a thieving cartoon character who disappeared into the night). I just don't think it was appropriate the way it was portrayed because it was ABSOLUTELY threatening-and it was so ridiculously obvious... No wonder the representative for Rip-Off responded in that tone. I don't in any way condone it, but people...c'mon now. Really...I mean, sure the lawyer gave the last known address for Mr. Macaroni and no they weren't obligated to, but that doesn't make them a Saint for it because truth is they made their point in such a nasty way.

Additionally,(from an outsider's perspective) it seems like when people are upset in their posts then people who are satisfied with Ameriplan give their rebuttals in a manner that is very cut-throat so as to tear down the people who have had a really hard time with the program, saying things like "you can't get something for nothing" and Breelyn's comment about how the complainers need more of an education saying "there's nothing that comes across more ignorant than someone who cannot spell or form a proper sentence." Breelyn and the like please, step off your high horse and take your nose out of the air for a second. I think people are forgetting that if you aren't in that person's situation then you have no idea the extent to which they employed their energy and efforts into this business, and you NEVER belittle anyone because they don't have the same education, which in this case is a grammatical ed., b/c everybody wasn't given the same opportunities in life.

Also, it's important to remember that while the currently successful Ameriplan brokers were complaining that all the complainers do is complain, everyone is entitled to their opinion and just like you people gave yours allow them to express theirs as well. Instead, try doing what Catherine from Kempner,TX and Don from Beaverton did which is give some tips and techniques on best practices and routes you have found to be successful, b/c if you all were REALLY in it for the "right" reasons (which I'm assuming is to HELP PEOPLE and NOT for the money since everyone keeps proclaiming that it's so wonderful all the kindly people they've assisted in introducing this program, correct?) then you would do just that when you see people like Philip who practically pleaded with the public to understand that he really really did try with Ameriplan. Still, even if it IS about the money, BE UNDERSTANDING! People like that you know. Catherine to me just seemed like the only logical person as she at least ATTEMPTED to understand where Philip's frustration was coming from.

My last point is directed to Chris from Florida: I think it's a load of crap for ANYONE who has read the rebuttals to state that it's b/c of that that they are deciding to go WITH Ameriplan. I too am pursuing the "dream" and I like what Ameriplan promises, I mean who wouldn't? But I'm no fool and I sure wouldn't say that after reading all the remarks on the report, especially from the people who are still in the game b/c THEY are the one's who should most be ashamed of themselves for the way they came down on the so-called complainers, that I am for Ameriplan. If anything the fact that just about all the current Ameriplan IBO's who've posted have outrgeous attitude problems is a huge TURN-OFF and says a lot about the true underlying integrity of the company. I therefore would hope that you few don't accurately reflect the majority if I ultimately decide the Ameriplan business is a go. Chris you might or might not ever read this, but at least it's out in the universe now and the lesson will be learned one way or another. If I were you I'd at least PRETEND that you decided off of a positive review instead and don't tell too many people the way you concluded that Ameriplan is a reputable company...

To everyone, I know this was a long post and it's pitiful that I had to take you all to school, you know back to kindergarten when you learn how to respect others and be nice. I'd hate to have to interact with any of you in life b/c obviously if I fall I know you'll just spit on me instead of offering help. You can only go so far with all the bad attitudes dripping with sacasm and disdain-just a little friendly advice.
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#2 Consumer Suggestion

Absolutely correct..NO OBLIGATION on part of AmeriPlan

AUTHOR: Steve - (U.S.A.)

I was an AmeriPlan Broker for 4 years.

I can tell you that every broker is fully aware that that they themselves are fully responsible for all expenses in marketing thier business.

AmeriPlan requires a signed statement of understanding at time of enrollment, it is clearly spelled out in bold print.

That lawyer is a scumbag and a moron and should be disbarred for attempting to collect a debt from a party who clearly does not owe it, and threatening a third party [Ed @ Rip Off Report] with a lawsuit for allowing the post! Hellllooooooo!

The OP is a moron for not doing 'due diligence' bfore extending credit for advertising.

This is very black and white.

Unbelievable.
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#3 UPDATE EX-employee responds

beating a dead horse

AUTHOR: Tony - (U.S.A.)

Perhaps I am beating a dead horse, but I am a former Ameriplan rep, and I can say that they are a solid company as far as being a provider, and also providing a great home based business for several hard working Americans, that need just a bit more at the end of the month.

The problem, as most of can decipher, is that the person who wanted to get paid is making a stretch to try and collect from a company that he did not have a contract with. What needs to happen, is a suit filed against the INDIVIDUAL that he contracted with.

Regarding Ameriplan, I am confident that by this gross misrepresentation and causing Ameriplan to need to hire a lawyer, this person has been terminated as an Associate.

As a merketing specialist, I think this is funny, because Ameriplan gets lots of free press through this thread that has gone on for a few years now. Think about it; everyone and their mother tries to sue Microsoft, and they are still tops in their field. I am happy to see that it resulted in a new convert. I, too, will very likely re-join the team at Ameriplan

Regarding the guy (or anyone else)that didnt make any money with the program, well be glad you didnt buy a franchise, because any business requires WORK, hard WORK, and lots of it. Also, I am not making light of someone misfortune (nor am I condoning this), but we sent out postcards that we made and had approved by the company, and got several customers to sign up pretty quickly. This was in the late 90's, so I dont know what the market holds.
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#4 UPDATE Employee

Good and Bad in all !

AUTHOR: Lisa - (U.S.A.)

I have been with Ameriplan USA since May 05. I also found the company as I needed the Prescription coverage. I save on average $220 a month (every month) on my routine prescriptions. Yes that is $220 I can put back in my pocket. The benefits are fantastic. I have enrolled most of my family members on this plan and they all save a lot of money every single month. I made $1200 my first 3 weeks with the company and a $500 bonus for fast tracking to RSD within 30 days. This is the most honest, family oriented home based business and company i have ever had the pleasure to come across. I earn a 15% over-ride on my down line for a total of almost a $1000 a month residual paycheck. I am building my business to hopefully earn the 6 figure income I am looking for in 2-4 years. You get what you work for. Treat it like a hobby you will be paid like a hobby. You need to find balance and do what works for you. I am fortunate enough to have found a great team of people. (TRUE TEAM). We work with each other and help our business partner's succeed. The plans are tremendous and I urge anyone who needs to save money to purchase these plans. I am also a Provider Represenative. I sign Doctors and Dentists for the company. I can tell you that NO Doctor or Dentist is allowed to become a provider without proper documentation (license, insurance)and we go to the office and report on the office itself. We DO NOT allow a Provider into the company without the proper credentials and an office on-site. We do not have Doctors or Dentists that are only starting out and desperate for business. That is total nonsense. Take a look at the web sites. They are full of all kinds of leading chains. Walmart, kmart, Walgreens, pennys, sears, eckerds, pearle vision, cvs, just to name a few. You honestly think that these chains would provide with us if we were not ligit???? 13 years of business you will not only find good about a company you of course will find bad. For heavens sake take a look at churches!!! Wow, the down right ignorence of people makes me gag. This is an honest, family oriented company with people who make great money. The benefits are fantastic and creditable. I am a single mom of 5 and depend on the money i earn from the work I do. You are in a business an (IBO) You have to work, be dedicated, motivated and do your training. You will succeed if you do as instructed by your upline and truly WORK your business. I had the pleasure to be at the last convention in July 05 in Dallas. I learned way more then I expected and saw and met many many people who are doing great with the company. I also met Dennis and Daniel. Great men who gave away tons of money to people at convention in trips, cash, and other awards. It truly was a eye opening exp. One that was very rewarding. Yes, you have to put money into the business. You tell me what business you dont? But an overhead of $35 a month and $15 a month for a business web site is nothing. Yes, you need to buy leads. You need to know where and who to get these leads from. I pay .03 cents a lead. Come on people get your facts straight. Quit blaming others for your failures. Be smart, do your research and talk to people. I am available to speak with anyone that I can help. I work hard with my downline to help them succeed and they do. I am on a crusade to get these benefits to people who need them and help them save the money they can with them. I have talked to soooooo many elderly people who choose between getting thier medications and buying food every month because they cant afford both. I have seen numerous people (after subscribing to the plan) put enough money back into their pocket to be able to actually buy groceries for the month. I get calls all the time from people thanking me for helping them. I have only had 2 people cancel after they signed. Both were because they ended up acquiring benefits from new employers. Not because they were bad benefits. And they had no problems canceling. NOT ONE!! If I can help anyone with issues, or to help them save money or make money I would be glad to do what I can.
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#5 UPDATE Employee

Good and Bad in all !

AUTHOR: Lisa - (U.S.A.)

I have been with Ameriplan USA since May 05. I also found the company as I needed the Prescription coverage. I save on average $220 a month (every month) on my routine prescriptions. Yes that is $220 I can put back in my pocket. The benefits are fantastic. I have enrolled most of my family members on this plan and they all save a lot of money every single month. I made $1200 my first 3 weeks with the company and a $500 bonus for fast tracking to RSD within 30 days. This is the most honest, family oriented home based business and company i have ever had the pleasure to come across. I earn a 15% over-ride on my down line for a total of almost a $1000 a month residual paycheck. I am building my business to hopefully earn the 6 figure income I am looking for in 2-4 years. You get what you work for. Treat it like a hobby you will be paid like a hobby. You need to find balance and do what works for you. I am fortunate enough to have found a great team of people. (TRUE TEAM). We work with each other and help our business partner's succeed. The plans are tremendous and I urge anyone who needs to save money to purchase these plans. I am also a Provider Represenative. I sign Doctors and Dentists for the company. I can tell you that NO Doctor or Dentist is allowed to become a provider without proper documentation (license, insurance)and we go to the office and report on the office itself. We DO NOT allow a Provider into the company without the proper credentials and an office on-site. We do not have Doctors or Dentists that are only starting out and desperate for business. That is total nonsense. Take a look at the web sites. They are full of all kinds of leading chains. Walmart, kmart, Walgreens, pennys, sears, eckerds, pearle vision, cvs, just to name a few. You honestly think that these chains would provide with us if we were not ligit???? 13 years of business you will not only find good about a company you of course will find bad. For heavens sake take a look at churches!!! Wow, the down right ignorence of people makes me gag. This is an honest, family oriented company with people who make great money. The benefits are fantastic and creditable. I am a single mom of 5 and depend on the money i earn from the work I do. You are in a business an (IBO) You have to work, be dedicated, motivated and do your training. You will succeed if you do as instructed by your upline and truly WORK your business. I had the pleasure to be at the last convention in July 05 in Dallas. I learned way more then I expected and saw and met many many people who are doing great with the company. I also met Dennis and Daniel. Great men who gave away tons of money to people at convention in trips, cash, and other awards. It truly was a eye opening exp. One that was very rewarding. Yes, you have to put money into the business. You tell me what business you dont? But an overhead of $35 a month and $15 a month for a business web site is nothing. Yes, you need to buy leads. You need to know where and who to get these leads from. I pay .03 cents a lead. Come on people get your facts straight. Quit blaming others for your failures. Be smart, do your research and talk to people. I am available to speak with anyone that I can help. I work hard with my downline to help them succeed and they do. I am on a crusade to get these benefits to people who need them and help them save the money they can with them. I have talked to soooooo many elderly people who choose between getting thier medications and buying food every month because they cant afford both. I have seen numerous people (after subscribing to the plan) put enough money back into their pocket to be able to actually buy groceries for the month. I get calls all the time from people thanking me for helping them. I have only had 2 people cancel after they signed. Both were because they ended up acquiring benefits from new employers. Not because they were bad benefits. And they had no problems canceling. NOT ONE!! If I can help anyone with issues, or to help them save money or make money I would be glad to do what I can.
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#6 UPDATE Employee

Good and Bad in all !

AUTHOR: Lisa - (U.S.A.)

I have been with Ameriplan USA since May 05. I also found the company as I needed the Prescription coverage. I save on average $220 a month (every month) on my routine prescriptions. Yes that is $220 I can put back in my pocket. The benefits are fantastic. I have enrolled most of my family members on this plan and they all save a lot of money every single month. I made $1200 my first 3 weeks with the company and a $500 bonus for fast tracking to RSD within 30 days. This is the most honest, family oriented home based business and company i have ever had the pleasure to come across. I earn a 15% over-ride on my down line for a total of almost a $1000 a month residual paycheck. I am building my business to hopefully earn the 6 figure income I am looking for in 2-4 years. You get what you work for. Treat it like a hobby you will be paid like a hobby. You need to find balance and do what works for you. I am fortunate enough to have found a great team of people. (TRUE TEAM). We work with each other and help our business partner's succeed. The plans are tremendous and I urge anyone who needs to save money to purchase these plans. I am also a Provider Represenative. I sign Doctors and Dentists for the company. I can tell you that NO Doctor or Dentist is allowed to become a provider without proper documentation (license, insurance)and we go to the office and report on the office itself. We DO NOT allow a Provider into the company without the proper credentials and an office on-site. We do not have Doctors or Dentists that are only starting out and desperate for business. That is total nonsense. Take a look at the web sites. They are full of all kinds of leading chains. Walmart, kmart, Walgreens, pennys, sears, eckerds, pearle vision, cvs, just to name a few. You honestly think that these chains would provide with us if we were not ligit???? 13 years of business you will not only find good about a company you of course will find bad. For heavens sake take a look at churches!!! Wow, the down right ignorence of people makes me gag. This is an honest, family oriented company with people who make great money. The benefits are fantastic and creditable. I am a single mom of 5 and depend on the money i earn from the work I do. You are in a business an (IBO) You have to work, be dedicated, motivated and do your training. You will succeed if you do as instructed by your upline and truly WORK your business. I had the pleasure to be at the last convention in July 05 in Dallas. I learned way more then I expected and saw and met many many people who are doing great with the company. I also met Dennis and Daniel. Great men who gave away tons of money to people at convention in trips, cash, and other awards. It truly was a eye opening exp. One that was very rewarding. Yes, you have to put money into the business. You tell me what business you dont? But an overhead of $35 a month and $15 a month for a business web site is nothing. Yes, you need to buy leads. You need to know where and who to get these leads from. I pay .03 cents a lead. Come on people get your facts straight. Quit blaming others for your failures. Be smart, do your research and talk to people. I am available to speak with anyone that I can help. I work hard with my downline to help them succeed and they do. I am on a crusade to get these benefits to people who need them and help them save the money they can with them. I have talked to soooooo many elderly people who choose between getting thier medications and buying food every month because they cant afford both. I have seen numerous people (after subscribing to the plan) put enough money back into their pocket to be able to actually buy groceries for the month. I get calls all the time from people thanking me for helping them. I have only had 2 people cancel after they signed. Both were because they ended up acquiring benefits from new employers. Not because they were bad benefits. And they had no problems canceling. NOT ONE!! If I can help anyone with issues, or to help them save money or make money I would be glad to do what I can.
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#7 UPDATE Employee

Good and Bad in all !

AUTHOR: Lisa - (U.S.A.)

I have been with Ameriplan USA since May 05. I also found the company as I needed the Prescription coverage. I save on average $220 a month (every month) on my routine prescriptions. Yes that is $220 I can put back in my pocket. The benefits are fantastic. I have enrolled most of my family members on this plan and they all save a lot of money every single month. I made $1200 my first 3 weeks with the company and a $500 bonus for fast tracking to RSD within 30 days. This is the most honest, family oriented home based business and company i have ever had the pleasure to come across. I earn a 15% over-ride on my down line for a total of almost a $1000 a month residual paycheck. I am building my business to hopefully earn the 6 figure income I am looking for in 2-4 years. You get what you work for. Treat it like a hobby you will be paid like a hobby. You need to find balance and do what works for you. I am fortunate enough to have found a great team of people. (TRUE TEAM). We work with each other and help our business partner's succeed. The plans are tremendous and I urge anyone who needs to save money to purchase these plans. I am also a Provider Represenative. I sign Doctors and Dentists for the company. I can tell you that NO Doctor or Dentist is allowed to become a provider without proper documentation (license, insurance)and we go to the office and report on the office itself. We DO NOT allow a Provider into the company without the proper credentials and an office on-site. We do not have Doctors or Dentists that are only starting out and desperate for business. That is total nonsense. Take a look at the web sites. They are full of all kinds of leading chains. Walmart, kmart, Walgreens, pennys, sears, eckerds, pearle vision, cvs, just to name a few. You honestly think that these chains would provide with us if we were not ligit???? 13 years of business you will not only find good about a company you of course will find bad. For heavens sake take a look at churches!!! Wow, the down right ignorence of people makes me gag. This is an honest, family oriented company with people who make great money. The benefits are fantastic and creditable. I am a single mom of 5 and depend on the money i earn from the work I do. You are in a business an (IBO) You have to work, be dedicated, motivated and do your training. You will succeed if you do as instructed by your upline and truly WORK your business. I had the pleasure to be at the last convention in July 05 in Dallas. I learned way more then I expected and saw and met many many people who are doing great with the company. I also met Dennis and Daniel. Great men who gave away tons of money to people at convention in trips, cash, and other awards. It truly was a eye opening exp. One that was very rewarding. Yes, you have to put money into the business. You tell me what business you dont? But an overhead of $35 a month and $15 a month for a business web site is nothing. Yes, you need to buy leads. You need to know where and who to get these leads from. I pay .03 cents a lead. Come on people get your facts straight. Quit blaming others for your failures. Be smart, do your research and talk to people. I am available to speak with anyone that I can help. I work hard with my downline to help them succeed and they do. I am on a crusade to get these benefits to people who need them and help them save the money they can with them. I have talked to soooooo many elderly people who choose between getting thier medications and buying food every month because they cant afford both. I have seen numerous people (after subscribing to the plan) put enough money back into their pocket to be able to actually buy groceries for the month. I get calls all the time from people thanking me for helping them. I have only had 2 people cancel after they signed. Both were because they ended up acquiring benefits from new employers. Not because they were bad benefits. And they had no problems canceling. NOT ONE!! If I can help anyone with issues, or to help them save money or make money I would be glad to do what I can.
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#8 UPDATE Employee

Ameriplan is one of the best I've seen!

AUTHOR: Leslee - (U.S.A.)

I too am an Ameriplan broker for over a year now. I just want everyone here to know that I've tried everything under the sun, and this company is the REAL THING. I have only made about $800 because it's only been a side thing for me. The benefits and savings are exceptional, and anyone who says otherwise is either not a customer, or just needs to wait a little longer.
I have a client who has saved over $2500 in dental procedures, and my family and I have experienced significant savings.
It is sad to to see this entire wonderful company bad-mouthed over the actions of a few!
Thank you!
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#9 Consumer Suggestion

Ameriplan Providers Are Pre-Screened

AUTHOR: Theresa - (U.S.A.)

AmeriPlan does not use the bottom of the barrel with dentists, etc. My dentist has a gorgeous office on Michigan Avenue in downtown Chicago. I receive exceptional customer services every time.

It usually takes a month or so to get an appointment. I can however get an appointment within 1-2 days.

AmeriPlan throughly screens each provider. There are currently over 10,000+ dental providers within the network. AmeriPlan Provider Representatives visit each and every provider office. Check the Ameriplan website and call the dentist directly to obtain information about their practice.
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#10 Consumer Suggestion

Ameriplan nonsense

AUTHOR: Skeli - (U.S.A.)

buy insurance. problem solved. i once used ameriplan. it's not horrible, they just use the bottom 5% of all doctors...doctors that are desperate for business.
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#11 Consumer Comment

I swallowed what I thought at the beginning was a lot of pride.

AUTHOR: Catherine - (U.S.A.)

Thank you Philip, but the truth be know I m not lucky. I just saw the opportunity as it was and made a positive decision to do it. I swallowed what I thought at the beginning was a lot of pride. Now I understand it was just the fear of actually succeeding. I fear that I no longer have.

Sadly there are people out there that exploit this type of opportunity for what it isn't. The person that got you started was obviously in it for a quick buck and not for the long term advantages. I feel I should appologize on behave of all the good people associated with AmeriPlanUSA because this should not have happened to you.

AmeriPlanUSA has grown so large that it is impossible for them to be able to stop those who wish to exploit. They do try to protect everyone to include themselves by using the appropriate legal terms and contracts.

As for buying this and that, well yes, any business has some form of expense. However, I only purchase what I need to grow my business and since I pay for these things I have learned how to use them to my best advantage. Ex. I don't just hand or mail out brocures and DVDs without actually speaking with the prospect, getting a tru feel for what they want from me; and confirming the mailing address on the phone.

This was hard at first because I really didn't like talking with people I didn't know. Now, I understand I provide something that helps them and knowing that makes it easy to do my business.

Philip, I hope you have a more positive future. I'll try to cheer you on in my corner of the world. Take care.
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#12 UPDATE EX-employee responds

Response To Catherine, glad to hear you are doing so well with Ameriplan

AUTHOR: Philip - (U.S.A.)

Hi Catherine glad to hear you are doing so well with Ameriplan. I suppose some have all the luck I do not. I was told by the person who signed me up, when people see this they will beg you for it. Maybe I just misunderstood this person. Have all kind of help SUPPORT. When ask for help got BUY this BUY That Spend More money??? Don't know for sure but looks like to me more complaints than commendments. Do you know?

Now Terri never said got leads from ameriplan. purchased from D I S. All the money goes into the same pot. You people have it all figured out. You few are right and the many are wrong.
MY OPNION Thanks
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#13 REBUTTAL Owner of company

Best thing to happen to my family and me...

AUTHOR: Catherine - (U.S.A.)

I am not an AmeriPlan(R)employee. I am an AmeriPlan(R)IBO-Independent Business Owner. There is a very responsible difference.

AmeriPlan(R)has been the best thing to happen to my family and me. At first we were just enjoying the benefits, then I decided to quit blaming everything and everyone else for not making money and went to work.

I had DIS/PFL-Daily Income System/Paychecks For Life as my lead system and I didn't make a dime from it, of course had I spoke with any of the leads I purchased I might have. I believed in AmeriPlan(R) but, I realized I needed more training to overcome the fears I had.

Well, I lost my lead system when DIS/PFL sold their system and became AmeriPlan(R)IBOs. This sold me even more on AmeriPlan(R). I got myself more training, continue to educate myself, found another great lead system; and am enjoying my checks every month.

AmeriPlan(R) is being copied by so many other discount companies because they are the best, but that does not mean they can't have a bad apple or two try to ruin the whole batch. I stress TRY, because it will never happen. There are so many proven success stories with AmeriPlan(R).

No the top guy doesn't make grunts do the work. With the marketing network system AmeriPlan(R)has, brokers you help get started can become wealthy while you make a small income. You have to build YOUR business before you can make money by overriding brokers beneath you.

AmeriPlan(R) is a great home business, but they can't be held responsible for the irresponsible actions of bad IBOs.
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#14 Consumer Comment

To Philip in Florida

AUTHOR: Don - (U.S.A.)

I would like to respond to Philip in Moore Haven, FL.

You ask where all the testimonials come from, they come from people like me. I have been in AmeriPlan for a little over a year and I have to admit that I invest very little time in it or I would be more successful. However I will also say I enjoy the checks in the mail every month. I enjoy helping people save a lot of money on health care. A friend called one day, her contractor from another state had just broken a tooth. I was able to sign him up and have him in a dental chair in less than one hour. He saved hundreds of dollars with a plan costing only $11.95.

I will admit that I have never used the Prescription plan cards because it doesn't sound like something that would work for me. I also don't know enough about an internet business to invest in leads but logic tells me that sheer volume and the message you provide would be key factors. Internet seems to work for those who know what they are doing and make a large enough investment. At this point, that isn't me.

My sales come from personal contact, by phone, brochures left on boards around town and most of all REFERALS.

You have a product that costs less than $12/month and saves your clients 60-80% on dental care. You live in the middle of a swamp with 1600 people and drive a tow truck. The average income is $26k/year. 75% of the population lacks dental benefits. I would expect nearly every person you tow would need this plan. In a small town, you should be able to reach everyone, if not for the plan, at least for referrals. My God, I live in Oregon and even I have members in Florida!

You've got a town of 90,000 people just an hour away and nearly every small business person needs your service. I would advise you to get off your pity potty and stop looking for shortcuts in areas where you have no experience. You know how to talk to people. In the words of Nike, Just Do It!
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#15 Consumer Comment

Anyone Else See A Pattern Here?

AUTHOR: Breelyn - (U.S.A.)

It seems to me that all of the individuals complaining, ranting and raving about this supposed travesty (including the editor's posting) and how AmeriPlan is so bad need a little work in the education department. There is nothing that comes across more ignorant than someone who cannot spell or form a proper sentence. It is of small wonder why some of these people couldn't make any money from this system--no one wants to ally themselves with someone who presents themselves in such an uneducated and unprofessional manner. Perhaps your time and money would have been better invested in taking an English course or four. Put together a cohesive argument and maybe you will be taken seriously.

As for the editor's post, I myself found nothing threatening in the lawyer's response. Defensive perhaps, but in this sue-happy day and age, companies cannot afford to be anything less. He is indeed correct, for it is quite impossible for every company to fully support and take legal responsiblilty for the independent actions of every employee and remain in business.

This whole string has made me quite interested in the company and trying my own hand at being an independent contractor.
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#16 UPDATE EX-employee responds

Won't Change MY MIND

AUTHOR: Philip - (U.S.A.)

Dear Terri, I tried lots of things not just buy leads. I talked to people, mailed free RX plans, and much more. Didn't expect THOUSANDS of dollars in my pocket. Did expect ONE Sign up. You don't have a clue what I done, you took one line of mine and made Ass out of yoU andME ASUME.
Still Didn't Make One Red Cent!!!!
THANK YOU!!!!
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#17 Consumer Comment

Good Grief

AUTHOR: Terri - (U.S.A.)

You said you got nothing for your leads??? Ameriplan does not provide you with leads, that is something each Broker gets themselves. This is a Independent Business. You only spent 4 months with it, and then did nothing put buy leads? Of course your not going to make a profit. you cant just buy leads and expect that to put thousands of dollars in your pocekt.

It's a job.. Use your head. I've been working it since July 1 and have made over 300, not by buying any leads!! By working to post ads in classifieds, on the phone talking with people, talking with people I meet, leaving brochures in pharmacies and anywhere else a business will let me.

Sounds to me like you got ripped off by a leads supplying company.
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#18 UPDATE Employee

NOT A RIP-OFF?????

AUTHOR: Philip - (U.S.A.)

Ok Mr.smart guy;JEFF Clay-center,KS. Never said wanted something for nothing. I Spent Money and time with this BUSINESS!!! All leads purchased (4) FOUR contacts Not ONE Sign Up. All Free RX Plan cards Purchased, NOT ONE Sign Up.

I said if someone ask me what this BUSINESS was doing for me would have to say Nothing except taking my money. The web Reads Ask Me How This Is Helping Me, NONE. (DIS) Daily Income System.

How Is It Helping YOU????

After (4) Four months Broker Fees Sales Aids,(0)ZERO Return, 50% E-Mail Returned Undeliverable???
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#19 UPDATE Employee

What's wrong with this post?

AUTHOR: Gary - (U.S.A.)

Well, I am an independent rep with AmeriPlan. I think it's a real laugher that Rip-Off report is questioning the intergrity of AmeriPlan with a response like Rip-off report gave. First of all, the Dam you're talking about is spelled Damn, ok. Second, are you trying to tell people that every company in America is responsible for their independent reps actions? Where did you go to school? What a joke.

I'm not a lawyer, but you berate Cecil (AmeriPlan attorney), as well as the entire law profession. Do you realize how many lawsuits would be flying acroos the USA, and how many MORE lawyers would be needed, if your type of logic was the way all independent reps with every company in America was handled? So what you're saying is, if an independent rep of Rip-Off went out and misrepresented the company, and owed someone money, Rip-Off would gladly pay because they felt like they were responsible? Your stance has so many stupid points that don't make sense that I don't have the time to cover all the issues!

I'm just thankful that you're not in charge of any reputable political governing arm of business, because if you were, every business in America, including rip-Off, would be bankrupt? We now know how you feel about lawyers here at Rip-Off, but how do you feel about phychiatrists? You need the best!

AmeriPlan and Dennis & Daniel Bloom are the most ethical people you'll ever find in the business world! You are so far away from knowing what you're talking about, that you don't even understand AmeriPlan, ok. But lets put opinion aside and look at facts. AmeriPlan is a member of the Dallas Better Business Bureau, the U.S. Chamber of Commerce, has been featured favorably in U.S. News & World Reports magazine, The Wall Street Journal, PBS television's American Business Review hosted by Morley Safer of "60 Minutes", is listed with Dunn & Bradstreet and are members of the Direct Sellers Assocciation of America. What credibilty and watchdog groups is Rip-Off affiloiated with?

I'm not sure you guys even know who any of these organizations are? Oh, and I suppose the companies that AmeriPlan has close business afiliations with as providers like PearlVision, LensCrafters, Sears, JCPenny, etc. means nothing to you either.

I can't go on, I'm laughing too hard at the ridiculous stance you took on this issue!
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#20 UPDATE Employee

NOT A RIPOFF

AUTHOR: JEFF - (U.S.A.)

I am an independant broker for Ameriplan. I want to ask the editor who made those comments, if I rented a booth at a trade show & told them I represented ripoffreport, & then didn't pay my bill, would you pay it for me?? Of course,I am not a company executive with ripoffreport, & if I told them I was, it woud be a lie, just like the way Mr. Marconi misrepresented himself. Surely you can see that Mr Walker needs to go after Mr Marconi, not Ameriplan. I have been a independant broker for Ameriplan for several months now, & thier checks have always come on time for the business I turn in. I don't know what happened with the guy that didn't make any money, but this is a business, & you won't get somthing for nothing. I have found that everything that I have read in the litrature & on the websites to be true, & this is the most up front home based business opportunity that i have found! Also,the next time you reply, as an editor, use a little more respectable language, because that kind of language makes you look bad.
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#21 Consumer Comment

AmeriPlan is honest company, lawyer is correct

AUTHOR: Kathy - (U.S.A.)

Being a former spouse of a broker, I can assure you that AmeriPlan delivers exactly what it promises. Every single one of the negative rebuttals listed here seem to be from the same category of people - those who blame others for their own failure. This especially describes the "victim" (Mr. Walker) of the fraud perpetrated by the independent broker (Mr. Marconi) in question.

We got our quarterly checks like clockwork. The only reason we didn't get them more often was because husband wouldn't do the necessary footwork, and wife (me) was in bed waiting for a liver transplant.

This business plan works only for those people who are willing and driven to do what is required of any sales position, and that doesn't mean spending five minutes on personalizing the literature for sale from Ameriplan, and then whining when you can't even find a single customer.

And by the way, mr editor of this site, you are lucky the lawyer for AmeriPlan has slapped you with a lawsuit for slander against himself and AmeriPlan. You admit you are not a lawyer, but you might want to start consulting one, especially when you spend so much time chewing on your own shoe.
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#22 Consumer Suggestion

Unhappy IBO, Haven't made ONE RED CENT!!!

AUTHOR: Philip - (U.S.A.)

Don't know if Company can be made to pay debt of
IBO or not. The best thing is to GET MONEY UP FRONT, or Get all billing information and check it
all out. I work for a towing company, that has
accounts. But when someone ask to charg to an
account Thefirst thing I do is check with his/her
company if they are are liget.So much for that.

I signed up with ameriplanUSA July/03; to date
November/27/03 Haven't made ONE RED CENT!!!
Haven't saved any money either.

They also run a thing called D I S Daily Income
System. I also signed up for this,yep you guest it
NOT ONE RED CENT. You get three (3) web sites.
and I didn't know it but they are somewhat
misleading. The site opens with ask me how D I S
is helping by me by earning more income?

If they ask me I have to tell them NONE!!!
just leads one to believe myself also make $100.00
or$1000.00. The only thing is you have to sell
the plan,after you sign up so many you get paid
whatever??? Sofar I haven't found one person that
want's to sign up, I know it takes work, and
believe me I do/DID. Buy leads,buy Sales Aids
from whom Ameriplan. Ok order leads,ordered
prescription plan cards FREE to people you give
the card Min.order 25 cards@$2.00ea. plus shiping
Fresh leads auto ship $49.95 per.mo.

I have sent hundreds of E-Mails three(3) contacts
Don't know what they call enexpensive,that runs into money after a while with no return can't
stay in business. Need to buy more aids???

Don't know where all the TESTIMONIALS from, They
haven't ask for my FACTS about the Business.
I just can't believe all these people are makeing
all the money they say they are.MY OPINION..

Yes some are makeing big money,off the grunts.
The grunts do the work the boss gets the most
money. They have training calls to pump you up
when you are down in the dumps.
One Steve Luxenburg,a smooth talker six figure
income how GRUNTS.

I agree thay should take care of this bill.
They put this person to work. IBO or not they
should know the kind of people that they sign on
They must have got orders from his efforts,
But it all comes down to one thing MONEY In The
BIG WIG. They say they have strict guidlines
what happen. If they are in control take it out
of his commissions.
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#23 Consumer Comment

this report has atually helped me decide to go with Ameriplan

AUTHOR: Chris - (U.S.A.)

I am considering getting Ameriplan Benefits for my wife & myself. I was trying to find anything bad about the plan, and I found this website. I believe that I have found a good company.

I have always grown up with the motto "you get what you pay for". What I don't understand is how you could let Mr. Marconi go into debt with you when would only give you a PO Box. Did you not try calling him at his phone after the first night? No street address? No references? That is bad business sense in my opinion. I am sorry that you lost $640, but you gave the site to someone without checking if a police report was filed. You gave the site to someone who claimed everything he owned was stolen.

I feel the comments by the lawyer were justified. Ameriplan deals with contracted personel. If the Mr. Marconi was possing as an Ameriplan executive, then bring that evidence before Ameriplan (or there lawyers). Did you get the handouts from Mr. Marconi? Did they say he was an executive or contractor? Did you put any hard evidence forward to Ameriplan about Mr. Marconi's claims?

I feel this report has atually helped me decide to go with Ameriplan. Thank you for filing this report.
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#24 Consumer Comment

Action Speaks Louder Than Words

AUTHOR: Lorraine - (U.S.A.)

After paying close to $4,000 AFTER my $1,000 cap for orthodontics for my daughter, I asked local Orthodontists what braces for my son would cost, if I had an Ameriplan card. The average answer ? $2,100.

The reality is that many people elect not to take dental coverage when and if they are eligible for insurance from their employers. Usually too much money is taken out of the paycheck, and the coverage basically stinks. Even though I had "insurance" when my daughter got braces, I was paying it off, $100 a month, for three years !! Now I'm in a position where I can at least put $1,000 down, and pay it off in under a year. Big difference !

There's something else I didn't realize, and that was the fact that my mother LOST her dental coverage eligibility when she retired from a GOVERNMENT job ! She had to have her top teeth pulled and "false teeth" made. That cost her over $5,000, so she couldn't afford to have the bottom teeth done at the same time. Now, with her Ameriplan card, the bottom teeth replacement will be $2,400.

Why am I a member of Ameriplan ? Real savings, that's why. Why am I a broker ? Simply because in helping pass on savings like this to others, I've built myself a nice side business. I'm sorry, but Ameriplan is not a scam. It has allowed me peace of mind to know I can pay off my son's orthodonture well before his braces come off !

As for the original complaint, a first year law student taking the Law of Agency will tell you that an Independent Contractor cannot bind the company he or she markets. Therefore, AmeriPlan can't be held liable for the debt incurred by this Miguel what's-his-name. Just because this guy is a scammer, the doctrine of "Respondeat Superior" cannot be applied. The attorney provided his last known address and phone number, and he wasn't even obliged to do that. He certainly did not deserve to be "flamed" by you in response. I believe he is entitled to an apology.
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#25 Consumer Comment

Talk about over-reaction!

AUTHOR: Don - (U.S.A.)

I feel the response to the AmeriPlan lawyer was unfounded and a poor reflection on this report. It should be obvious from the complaint that the corportation was not involved in the trade show contract. People presenting programs of this nature deal with independent sales people all the time, in fact MOST of the time. To some people it may seem nice if a corporation picks up the tab for something that someone else does wrong but where does that leave them legally? Right off the bat they become liable for every committment made by every independant broker with no input or control over those committments. This is like saying a store selling GE light bulbs can committ the entire corporation to paying for all of that store's advertising. It's silly.

On the subject of MLM, please do not confuse MLM with pyramid schemes. AmeriPlan does provide compensation for some levels of management and that compensation is based on the performance of those managed. How many successful companies are there that don't do the same thing? Seeking management positions is not required.

For this or any report to chastise a quality company for defending themselves against unfounded charges and your attack on lawyers in general reduces the credibility of YOUR program, not theirs.
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#26 Consumer Comment

Talk about over-reaction!

AUTHOR: Don - (U.S.A.)

I feel the response to the AmeriPlan lawyer was unfounded and a poor reflection on this report. It should be obvious from the complaint that the corportation was not involved in the trade show contract. People presenting programs of this nature deal with independent sales people all the time, in fact MOST of the time. To some people it may seem nice if a corporation picks up the tab for something that someone else does wrong but where does that leave them legally? Right off the bat they become liable for every committment made by every independant broker with no input or control over those committments. This is like saying a store selling GE light bulbs can committ the entire corporation to paying for all of that store's advertising. It's silly.

On the subject of MLM, please do not confuse MLM with pyramid schemes. AmeriPlan does provide compensation for some levels of management and that compensation is based on the performance of those managed. How many successful companies are there that don't do the same thing? Seeking management positions is not required.

For this or any report to chastise a quality company for defending themselves against unfounded charges and your attack on lawyers in general reduces the credibility of YOUR program, not theirs.
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#27 Consumer Comment

Talk about over-reaction!

AUTHOR: Don - (U.S.A.)

I feel the response to the AmeriPlan lawyer was unfounded and a poor reflection on this report. It should be obvious from the complaint that the corportation was not involved in the trade show contract. People presenting programs of this nature deal with independent sales people all the time, in fact MOST of the time. To some people it may seem nice if a corporation picks up the tab for something that someone else does wrong but where does that leave them legally? Right off the bat they become liable for every committment made by every independant broker with no input or control over those committments. This is like saying a store selling GE light bulbs can committ the entire corporation to paying for all of that store's advertising. It's silly.

On the subject of MLM, please do not confuse MLM with pyramid schemes. AmeriPlan does provide compensation for some levels of management and that compensation is based on the performance of those managed. How many successful companies are there that don't do the same thing? Seeking management positions is not required.

For this or any report to chastise a quality company for defending themselves against unfounded charges and your attack on lawyers in general reduces the credibility of YOUR program, not theirs.
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#28 Consumer Comment

Legal Eagles should learn better bed side manners

AUTHOR: Tracy - (U.S.A.)

Where people think that RipOffreport was off base in their comments back to the lawyer representing Ameriplan, the lawyer should have been more tactful in stating that Marconi was an independent and unfortunately, Ameriplan does not condone non payment of debts. In the end the lawyer did give the last known address of Marconi, but they should have been more helpful and considerate instead of threatening. In other words, you reap what you sow.

If you want repsectfullness and pleasant demeanor conveyed to you, convey it to others first. As a business owner myself, if anyone I contracted, even as an independent, were to do something like this, I would contact the agrieved party and negotiate a settlement for the good of my company. I am sure the Expo would have settled for half the amount, if approached with civility and understanding.

For those condemning the the original author and this fabulous website, who gives both sides of the story, try walking in the other person's shoes for a mile and see how you would feel.
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#29 Consumer Comment

Learn the meaning of IBO ,,Ameriplan does work. It save us alot of money

AUTHOR: Donald - (U.S.A.)

Ameriplan does work. It save us alot of money on
Presciption Drugs alone.
Lets say you go out and find a good deal on some
thing you can sell and make money with. So you
pick up a couple of cases of product XXX by
company xxx and you rent a booth to sell the
product and lets say you don't pay for that booth.
Is company xxx responsible to pay for your booth
(NO) I don't think so. YOU ARE a IBO
(Independent Business Owner).
I to is not a representative of Ameriplan. Just a
IBO with a service I can sell you so you can
save money if you use it.
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#30 Consumer Suggestion

Get Your Money Upfront

AUTHOR: Diane - (U.S.A.)

Mr. Marconi was obviously scamming the trade show organizers and possibly even misrepresenting himself as an employee of AmeriPlan. If the show organizers cannot find Marconi, they are plainly and simply up the proverbial creek. They should learn from their mistake and roll on, demanding payment up front in the future. Life is too short to whine and gnash teeth over less than $1000. Or have they been equally scammed by many exhibitors? If so, they might want to not only reconsider their payment policies, but their personnel as well.

I agree with the AmeriPlan lawyer that the true dispute is between the show organizers and Mr. Marconi, and that further slander against AmeriPlan because of a rogue former broker could very well be actionable.

I must say, however, that ripofferport's rebuttal to the AmeriPlan lawyer was totally and unabashedly in poor taste and full of dangerously scurulous insults. This attitude violates your own edicts about content. I suggest you send your editors to a writing class or two to learn how to craft professional responses.
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#31 Consumer Comment

scam YES it is or I guess now was

AUTHOR: Anton - (U.S.A.)

To the man claiming that he was a military man, I was as well and they warned us against MLM's. Did you not get the memo. Even when I was overseas they warned us strongly about MLM's. This company MISREPRESENTED itself to its employee's to potential customers , and in fact even lied about their location, phone numbers. The original name was Northstar financial and then was changed and added affiliates. I do know for a fact that the FBI, SEC are looking into Kurt and his gang and will most likely be brought to justice soon. Filing chapter 7 will not help him with criminal charges. I hope he goes away for a long time.
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#32 UPDATE Employee

This is not a company dispute...

AUTHOR: Paul - (U.S.A.)

I understand the frustration of not being able to collect on a debt. I paid nearly $15,000 for a "franchise" that went out of business and took my money. Unfortunately, I feel the complaint filed here is erroneous. I believe it is a front to bad-mouth Ameriplan USA.



Before becoming a broker myself, I checked out all the good and bad that has been written. I called about 20 dentists here locally to get their opinions of Ameriplan. I would not be a broker if they were not all positive.



Ameriplan IS a network marketing company. There is a very simple question to ask in determining whether the company is a legal MLM or an illegal pyramid scheme (and it all comes down to recruiting). Can I make a living selling the product or service WITHOUT having to recruit anyone? The unfortunate reality of most MLM's is that the money is truly made in recruiting others. This is simply not the case with Ameriplan USA. In my first month, I sold about 50 memberships to people who knew absolutely nothing about the business. I made approximately $1500. To this day (about 3 months later), I have only had ONE cancellation.



My partner at work owns a Property & Casualty agency. He has sold home & auto insurance for nearly 5 years. His "book of business" brings him a residual income of about $120,000 a year. Ameriplan offers a similar opportunity, in that, we are offering a legitimate product that people not only want, but need (and, at an extremely affordable price). I'm not trying to pitch Ameriplan. I simply want people to know that I believe it is a very good company. I have received all of my checks on time and they have all cleared! Recruiting other brokers is simply smart business. If I can override 30 other agents selling auto insurance, I'm gonna make a lot more money than simply selling myself. You can accomplish even more with Ameriplan.



I would be more than happy to discuss the pros and cons of Ameriplan in what I consider a very objective tone. Thank you for the time you've taken to review this.
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#33 Consumer Comment

Let the truth be told-

AUTHOR: T - ()

Having worked for many fortune 500 companies and the military as well. I've learned that there are no 100% perfect companies. Look at the stock market and the big names that use to be considered and icons of strength and integrity, now they are the post cards of corruption and deception to the American public.



I considered AmeriPlan as an alternative to retirement or as a means of subsidizing my income in retirement. Unfortunately, I know I don't have what it takes to market the product. That's just being honest. When you are living on a very small and fixed income and making decisions on weather to visit the kids or buy medication, it's rediculas. Thanks to the AmeriPlan plan, I've saved over $100 a month on medication, especially when the $Billion Dollar insurance companies want come near me because of my age and if they do, it's unaffordable. Sure I've recommeded it to other and I've not had any negative remarks from any of them. If I was a broker I would have made money from it.



The reason I'm at this site is due to a mistake in trying to find the AmeriPlan site to refer a friend to it. I came accross the www.AmeriPlan.com site instead. I spent a lot of time reading what seems to be a very angry person who tried to buck the system and was called on it. The company that signs people up for up to 80% savings has been a blessing to all of my friends and family. Even the government of our great country has abandoned us when it comes to affordable healthcare and prescriptions. Over the last several months I've seen everyone trying to come out with a discount plan because of what AmeriPlan usa has been doing for over ten years probably. We're even letting Canadian companies come in an offer it where as our own government wont regulate the drug industry to keep prescriptions affordable.



Someone said there over 60-million of us babyboomers retiring and aging rapidly. IF we can't pay for our healthcare then those critisizing Ameriplan must be willing to accept more taxes to support their elders.



I just hope this gets posted, even someone of my age and understanding knows that if an insurance agent, cable repair man or pharmacist comes to my store to buy or rent a mail box, to ask if this is personal or corporate. Banks wont let you open a corporate account without the proper letter of incorporation and identification. I'm sorry for their loss but they are after the wrong party.



If the gentleman with the www.ameriplan.com site happens to see this. Check the man in the mirror. You can not say that it is a scam, more and more people everyday need this. Loose your job and try to pay COBRA. Be self employed and try to buy individual insurance. Hell, just look at your investment partfolio and see how much you've lost in the last eight months and tell me you couldn't use a savings somewhere to offset your Federally regulated losses. There is the real scam. RipOff report, thanks for letting me share, I hope this makes it to the site.
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#34 Consumer Comment

The view of another

AUTHOR: Lilly - ()

Dear Sir(s)

I am very dissappointed by the editor's response to the attorney's letter.



There was no need to use this kind of offensive language in your reply.



As an added comment, especially to the gentleman that thinks that the plan is "too good to be true", I say that's just fine with me. Let him continue to pay full price for his dental, optical, chiropractic care and prescription drugs, if he wishes.



As for me and my family I was just real happy to save over 450 dollars on the first visit to the dentist, when my husband had to have "one" tooth capped. It pays more than 2 years of my family membership. Thanks Ameriplan!

And yes, I decided to become an indipendent broker, because I want my business not only to make me a good income, but to be honest and above board and to bless others.



It is a crying shame that you blame a highly respected Company for the actions of one dishonest individual that misrepresented his relationship with the Company and claimed an authorization he never had.
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#35 Consumer Comment

Unsolicited Email from Ameriplan, ..a multi level marketing scam

AUTHOR: Annie & Lou Anderson - ()

I have a feeling that I want to thank you in advance for posting that specific problem with Ameriplan. Here is why, I reveived an unsolicted email from one of their brokers asking me to sign up for a healthplan that sounded "To good to be true"!



So, I started to check out this company at various web sites...BBB. FTC, Scambuster and the like. I couldn't find anything on them, so, still believing that Ameriplan sounded too good to be true, I just left it alone and did not do anything, but kept in the back of my mind to try to check them out whenever I had an opportunity to do so, just as I did at your web site.



It is my opinion that Ameriplan is a multi level

marketing scam. I wish I had some proof, but I don't want to waste my money by signing up with them only to come back to your sight and report that I have been ripped off! Again thank you for posting that report. Keep up the good work!
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#36 UPDATE Employee

Response from an Independent Ameriplan Broker

AUTHOR: Ray - ()

We are Independent Brokers with AmeriPlan USA. We have found this Company to have the highest integrity. Every Independent Broker is given a Policy and Procedures Manual which states: AmeriPlan Corporation employee names, corporate names and trademarks or logos are proprietary and may not be used in any manner including reproduction of literature or in any advertisement without prior approval from AmeriPlan Corporation. Any approved of such corporate names, trademarks or logos must indicate that the Broker is an "Independent Broker" of AmeriPlan Corporation. Advertisements to attract Broker or Small business opportunity must be run "blind," i.e. without reference to Ameriplan Corp. unless approved by AmeriPlan Corp.



AmeriPlan strictly prohibits the use of it's Corporate name, logo, or trademark or any statements with respect to AmeriPlan business or operations or any banking activity by an AmeriPlan Corp. Broker. AmeriPlan Corp. in no way approves or condones any such banking activities.



VIOLATIONS OF THIS POLICY COULD LEAD TO THE TERMINATION OF YOUR BROKER AGREEMENT.



INDEPENDENT BUSINESS OWNER: You are an independent business owner and not an employee of AmeriPlan Corporation and should not represent yourself as such. You can in no way state or otherwise imploy that you are employeed by AmeriPlan Corp. as an employee. Corporate approved audio cassettes and phone message recordings must identify you as an Independent Business Owner of AmeriPlan Corp. at the beginning of your message."



This should clarify the fact that Mr. Marconi misrepresented AmeriPlan. To us, he is the "one rotten apple that spoils the barrel"! In all honesty, we must defend the integrity of AmeriPlan and Dennis and Daniel Bloom. We are slowly climbing the ladder to success with Ameriplan following their system. We have found AmeriPlan to be ethical, honest, moral and legal. We stress this to anyone we talk to regarding their joining us.



As to a solution to the problem, we can only say that their are so many dishonest people out there ready to rip off just about anyone, you must be on the alert. Get your money upfront and this will eliminate being taken. What goes around, comes around and Mr. Marconi will one day find this out. We are sorry to hear this happened and that it has placed a blemish on a very ethical company. Hope this is not too long to put in your report. Thank you for giving us the opportunity to give our opinion. We are a very small cog in a very large wheel but we truly believe AmeriPlan "Delivers on the Promise".
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#37 Consumer Comment

Thank you Rip Off Report

AUTHOR: Ben - ()

I was considering becoming a broker for Ameriplan. Now that I see how much they care about their reputation in the marketplace I am reconsidering. Ameriplan probally could have defused this situation for the same money as they have spent on a lawyer. Then again they did not purchase a very bright lawyer. I think Ameriplan will become a star of the Rip Off Report.
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#38 0

This law office represents AmeriPlan Corporation. *EDitor's Comment to the lawyers mumbo jumbo

AUTHOR: - ()

----- Original Message -----

From: Cecil Mathis

To: jw48@hiline.net ; info@ripoffreport.com

Sent: Wednesday, August 29, 2001 8:00 AM

Subject: Re: Ameriplan USA



CECIL SHELTON MATHIS a Professional Association



ATTORNEY AND COUNSELOR AT LAW

14180 Dallas Parkway, Suite 508

Dallas, TX 75254-4371



972-661-8076 F AX: 972-661-8074



e-mail: cmathislaw@earthlink.net



RE: www.rippoffreport.com/reports/ripoff5361.htm



Gentlemen:



This law office represents AmeriPlan Corporation. The report regarding AmeriPlan USA alleging uncollected debt has been referred for review and reply. The allegations that AmeriPlan is liable for an unpaid advertising bill are denied.. Any collection efforts will be vigorously opposed. AmeriPlan does not and has never participated in any trade shows, much less in McAllen or Harlingen Texas. There exists no contact between AmeriPlan Corporation and Jerry Walker regarding such trade shows. You are invited to provide a contract which has been signed by an authorized officer of AmeriPlan. You can not do this because none exists.



Walker was dealing with Myguel F. Marconi, who is an independent contractor. As such, Marconi has no authority to make contracts on behalf of AmeriPlan. In fact Marconi's business card specifically states INDEPENDENT BROKER. Walker you were on actual notice of Marconi's independent contractor status. It appears from Walker's own statement, that Walker was duped by Marconi's story about the "stolen briefcase" and was taken into the confidence of Marconi. It is unfortunate that Walker did not obtain payment in full from Marconi. The negligence of Walker does not make AmeriPlan in any way responsible for the contract between Walker and Marconi. Marconi worked for commissions and his use of the trade show space was solely for his benefit. Marconi was cancelled by AmeriPlan in July 2001. Marconi's last known address was 18352 Dallas Parkway, Ste 136 dept 445, Dallas, TX 75287, phone 959-496-4995.



The continued display of the statements of Walker are without basis in fact. It is strongly recommended that such be deleted and a correct statement of the facts be posted. To do otherwise will result in potential liability for both Walker and ripoffreports.



A response if requested.

--- Cecil Mathis

--- cmathislaw@earthlink.net

--- EarthLink: It's your Internet.

:::::::::::::::::::::::::::::::



EDitor's Comments to the above legal mumbo jumbo



Dear Cecil,



We will be glad to post your letter to the Rip-off Report regarding your client. BUT, do not ever threaten us again with your usual lawyer lying crap that you can hold us responsible. WE do not post Rip-off Reports as a rule, unless we do an investigation on such. You know dam well this is Rip-off Report on your client, AmeriPlan, that owes the money was not authored by us.



Not all lawyers are bad, but many of them, like you, are creeps and liars, and you mentioning holding us responsible when you know dam well the case law out there already. You are a freaking liar lawyer!



You threatening the victim is a bunch of bull as well. The victim told their story. What part of it is not the truth? OK, so you pointed out they are an independent agent, what else do you have to offer? Your client should still pay up! The AmeriPlan independent agent was there and the space was not paid for. Your client should just do the right thing and take care of the matter with the victim with a full payment and an extra 15% for his aggravation!. Imagine if they did that how good it would look for them? Maybe they should consult with their PR department?



Your vigorous efforts should be to go after the person who was the agent for your client. Your typical game playing of "independent contractor status" is a way for you to wiggle your way out of not having any liability. But, it was OK for your client to reap the benefit from the independent rep. and the free space at the show promoting AmeriPlan. How many new customers did your "independent contractor" pick up at the show that day for your client AmeriPlan. Personally, I do not believe the agent is not working for AmeriPlan any more. Just a hunch.



The way I see it, the Rip-off Report that is filed now on your client AmeriPlan will certainly let other unsuspecting individuals know in the future, there is no recourse for trade show promoters when dealing with an independent agent from Ameriplan USA, that the trade show promoter is on their own if they get screwed by the independent AmeriPlan agent.



I would now suggest to the victim that they fax a copy of this entire Rip-off Report to all other trade show promoters around the country. Any attempt to stop the victim from doing so will result in an even more vigorous exercising of our first and 14th amendment rights.



Your BS letter will be posted just after midnight pacific time.



EDitor@RipoffReport.com



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