• Report: #102314

Complaint Review: Ameriplan scam work from home rip off Dental Insurance Plan

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  • Submitted: Thu, August 05, 2004
  • Updated: Thu, July 10, 2014

  • Reported By:Wylie Texas
Ameriplan scam work from home rip off Dental Insurance Plan
5700 Democracy Drive Plano, Texas United States of America

Ameriplan scam work from home rip off Dental Insurance Plan. Ameriplan Corporation. Is this a Dictatorship? Beware! Unfair termination. Plano Texas

*Consumer Comment: Really?

*General Comment: Pyramid scheme?

*UPDATE Employee: Please Don't Call Me For Advice...

*UPDATE Employee: No two truths contradict each other

*UPDATE Employee: AmeriPlan has an A+ rating from the BBB

*REBUTTAL Owner of company: Should be called ameriscam

*General Comment: Ameriplan - SCAM or NOT?

*Consumer Comment: Thank you Brad

*UPDATE Employee: I Am One of Those Fake People

*REBUTTAL Individual responds: Ameri plan

*UPDATE Employee: Brad You Are So Wrong

*UPDATE EX-employee responds: Pyramid SCHEME to the FULLEST!

*Consumer Comment: Hmm...

*Consumer Comment: Virtually baseless and naive

*Consumer Comment: Virtually baseless and naive

*Consumer Comment: Virtually baseless and naive

*Consumer Comment: Virtually baseless and naive

*UPDATE Employee: Chill out Lisa

*UPDATE EX-employee responds: Ameriplan is a lie!

*UPDATE Employee: Negative remarks - who does it really help??

*UPDATE Employee: AmeriPlan Delivers on the Promise!

*UPDATE Employee: I'll keep it short for you

*UPDATE Employee: Hey it's not a perfect world

*UPDATE Employee: Hey it's not a perfect world

*UPDATE Employee: Hey it's not a perfect world

*UPDATE Employee: Hey it's not a perfect world

*REBUTTAL Individual responds: Martinez

*Consumer Suggestion: What A Laugh

*UPDATE EX-employee responds: Brad, I have your back

*UPDATE Employee: So Angry

*UPDATE Employee: YOU APPARENTLY NEED HELP!!

*Consumer Comment: AmeriPlan has BLESSED me for 4+ years! Sorry, Brad...

*Consumer Comment: AmeriPlan USA Broker

*UPDATE Employee: AmeriPlanUSA Rebuttal to Brad in Wylie, TX.

*UPDATE Employee: Who to blame the Failure on?

*UPDATE Employee: Negativity brought on by oneself...

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Ameriplan Corporation. Is this a Dictatorship? Beware! Unfair termination. Plano Texas

Ameriplan? Is this a Dictatorship?

Hello People. This is Brad. I used to be an Ameriplan Broker until I was recently unfairly TERMINATED. My direct up-line was under the so-called team names of the PROMISE TEAM, the team name used by Johnny Nordstrom and the 100K TEAM, the team name used by Roger Kaman. Both people and team names are quite unbelievable. The team names are actually an oxymoron, as you will see after you read more of the print in this newly posted website. I'm not sure if you are aware of the problems that may occur as a Broker within the Ameriplan Corporation or if you become a Broker for Ameriplan in the future.

Please don't get me wrong. Ameriplan has a great product for what it is. And I will say it again FOR WHAT IT IS. It's almost too good to be true. It will save your family lots of money. It is a great product. And I was proud to be involved, selling this product and I feel I would hope to always provide people with these types of very needed products and services. I know there are other companies out there with similar products whom carry, with honor, better morals in this great land we call America. It's truly a shame, their are a few, possibly more or even probably lots of people and problems, within this could be great company, which have damaged this MLM icon. Here is the devastating story (all true, non-fiction) of what happened to me.

You see in February, earlier this year, I gave my life and soul to this company. I signed up with Ameriplan last year on September 30th under Johnny Nordstrom. It took me awhile to get all my other businesses in order and now I was ready to give 110% to Ameriplan. Most days I spent close to 18 hours working this program. I even paid over $350.00 for my future wife, Judy and I to attend their convention, this convention that Ameriplan and my up-line sponsors said Will be a life changing experience. Oh, it was life changing all right. What a joke! Ameriplan promises to deliver a dream to you. And that is exactly what it is.

I was living in a dream. All of these people are in a daze. They tell you that if you put 2 years of PART-TIME work into this business (approximately 10 hours a week). You (or the average person whom commits to this daze) will make over $100k in that short period. (As most of their' phone scripts and other training seminars communicated to you) They tell you they don't want you to quit your present jobs. But put $35.00 dollars a month (the money you struggle to make from your other job) into this dream. Buy very expensive leads from this company, Ameriplan or irritate every person you may know or NOT into buying into this dream or to purchase this product.

Let me back up just a moment, In December of last year Judy and I attended the last LIVE AMERIPLAN UNIVERSITY. I was told, by John Nordstrom (the day he solicited me) that Ameriplan University (AU) would be something we could attend as many times as we felt needed. Then to my surprise it was to be the last one to be live, as I found out, from the Ameriplan corporate offices when asking for a schedule of this training seminar. (Now they give out DVD's when you sign up for one of their more expensive broker packages) And promised me, I would receive these disc to review anytime needed ASAP.

Since then I have called Ameriplan Broker Support several times, at least three to four times. They always quote the same, brain washed, answer I should have them within TWO weeks. To this date I have never received them or heard of any other plans as of when I will receive them. Also I was told by John Nordstrom, (it gets even better) the day I received his sales call, enticing me to become a broker for this unbelievable company, that just sounded GREAT!

I could work from either my home or even work the Corporate Offices here in Plano TX, a suburb of Dallas, TX, AND that if he lived in the Dallas area he'd be up there working everyday and that he'd have his very own office their at Ameriplan's new $25 Million Corporate Headquarters, across the street from Ross Perot's EDS, facility too. And receive all of the help needed daily from even the owners of this unbelievable company. (I guess John likes to mention this untrue, but still invaluable, option to make this opportunity even sound more enticing)

That day I showed up for my very own office, was a very embarrassing day. I was told by Kelly Roush, Jim Hardin's secretary, whom I may add is a very nice and seems to be a very caring lady.. Brokers are not EVEN allowed in the Ameriplan Corporate Headquarters. This was another lie given to me that day I joined, but I was desperate and needed to believe in something, and I, as many people share in these trying times we have today, needed this opportunity to be my salvation.

You see John does not care about anyone or the rules. He, Roger Kaman and lots of the other brokers and Ameriplan change the rules, as they feel needed, in order to capture you into this dream. Everything we heard and made notes on, at the Ameriplan University class was a contradiction of the truth. For example, they tell you that this company cannot survive without members that you must sell their product and service. They also portray to you this great big caring family of love, leadership and unity for growth. As Judy and I heard this I thought to myself NOW THIS SOUNDS LIKE A REAL COMPANY THAT CARES ABOUT THE GENERAL PUBLIC AND ALL OF HUMANITY. All the other MLM companies I had visited in the past only wanted to sign brokers and cared very little about selling the product.

Please make notes of these figures. Take the $35.00 per month Broker Fee, the fee Ameriplan requires you to pay and multiply this by the approximated 60,000 brokers involved with Ameriplan. When I did this, the answer was staggering. The answer to my surprise is TWO MILLION, ONE HUNDRED THOUSAND US DOLLARS a month.

Take 1.5 million and multiply it by $15.00 (the average monies taking in from the current business Ameriplan members bring in from their dental plan alone, every month) that answer is TWENTY TWO MILLION FIVE HUNDRED THOUSAND US DOLLARS A MONTH!!! They claim their new TWENTY FIVE MILLION DOLLAR headquarters building is completely paid for and that they are completely debt free.

At TWO MILLION ONE HUNDRED THOUSAND DOLLARS A MONTH in just the $35.00 broker fees plus all the other charges they hit them with and no debt. Can they survive without selling product to their clients/members? Are their brokers actually their clients too? That's some serious payroll. Is this great product they offer just a front? We were not led to believe so, until we discovered this Did you know that if you put all your money earned into leads to build YOUR TEAM for Ameriplan, strive to pay your bills and if your credit card, debit card or checking account you have attached to their billing office, comes up short when Ameriplan attempts to take their monthly fees from you You do not get paid any monies owed to you, at that time. Until you pay them their fees. And if you are owed any residual earnings/builders bonuses, etc., at that time, you never get paid them, EVER!!!

At least that's what broker support told me the several times I called to find out where my check they owed to me was. Now Banking and Credit will tell you differently. Who the hell knows? Remember they can change the rules daily if they want to. (I guess if this is your only means of income, You have to rob a 7-11 to get them their $35.00 worth of fees so you can pay a telephone bill, to keep making cold calls for this great business opportunity or better yet feed your family) Well this to me does not sound anything like what we were led to believe. Where's all that love, caring family, leadership and how can you grow? I wonder if this is one of those scams the State Board of Labor likes to hear about?

From what I've experienced in my last several months with this company while bankrupting myself and my future wife, again, most of the time working 18 hour days and doing everything I possibly could to keep my broker associates and help my down line in making a serious attempt to be successful in this company. (Buying expensive leads, bringing friends and family members into this organization while watching every bill I owed get stacked to the ceiling as my life swirled down the toilet). Just to have Ameriplan's attorney, now that I'VE BEEN TERMINATED, TELL ME I CANNOT EVEN COMMUNICATE WITH THESE PEOPLE. These are my friends and family. Who the HELL do they think they are?

At this time our new home is under foreclosure and our cars are on the repo list. At the convention I was amazed at how many people stood up there on that stage, at the Ameriplan convention we attended in June of this year, 2004, and how they told their stories of how they had lost everything they had ever earned in their lives to this given opportunity. (DAZED RIGHT?) Just as I am sitting there watching and listening to these poor people a flash back popped into my mind that I had seen on the TV News commentary Date Line.

Quixtar? Is it a CULT?

In the story they portrayed about Quixtar (a subsidiary of Amway). Portraying this Dream and Promises of Wealth, Big Homes, Fancy Cars, Yachts and Motor Homes. Charging you for books and tapes for spiritual growth. And even worseAll about people losing their most valuable possessions and lives to this dream.

Date line asked if it was a brain washing or A CULT?

All kinds of questions started running through my mind at this site (or vision as they kept telling you to set into your mind) I was sitting here witnessing, possibly the same experience these other people had fallen too. Was this just the same type scam I had viewed given from Date Line on TV? I fought this off and out of my mind because I could not have fallen into this type of scam. I'm too smart or now I ask was I just too dazed?

About a couple of days go by after the convention and I'm searching through one of the local news papers (still caught up in this brain washed daze, vision or dream) for a part time job in the Sales Section, hoping to find something out there to get me out of these unbelievable financial problems I have created for my family. Because I had been so caught up in this dream I answered an ad by telephone and received a recorded message. I left my name and telephone numbers for them to contact me.

The next morning I received a call from a guy with another but new health plan business opportunity, he asked what types of sales experience I had etc. and I briefly told him my back ground and mentioned Ameriplan, He moved forward to tell me about another company that you can use in conjunction with Ameriplan's MICKEY MOUSE PROGRAM.. I thought he was kidding and I actually took offence to this name calling of the company I had put my sole and life into for the past several months.

We'll call him Joe Joe invites me to attend a seminar and to my disbelief about half the room was filled with other Ameriplan Brokers and three of these people are NSD's (National Sales Directors) with Ameriplan. I don't wish this pain and agony on them so we won't mention any true identities. This health care business that is not MLM or Network Marketing that caters to a more extensive and more expensive plan available to fellow beings. People, It's like saying Mc Donald's is in competition with Ruth Chris Steak House. I'm talking disgusting so called hamburgers and comparing them to the most amazing appetizing steak in the world.

Hence the enforcement of the Ameriplan Policy and Procedure manual re. Sales Director Agreement contract states that you cannot cross recruit another Ameriplan broker with another NETWORK MARKETING PROGRAM.

Againthis health care company is not MLM OR NETWORK MARKETING.

I felt the tension of all the other Ameriplan brokers here at this seminar and felt I owed it to my fellow starving Ameriplan brokersI wanted to share this with all my down-line and when I stated to a few other brokers and my up-line of this opportunity that works very well in context with Ameriplan's Dental Plan and it's future Medical plan and is a plan you can sell nationwide and has over 600,000 physicians already in their physician network, as another opportunity to sell door to door along with Ameriplan.

For instance, just what if, Ameriplan's program was not enough coverage and did not fit that certain prospects needs, then this company may very well work for them or what just if, this new health care system was too expensive for that prospect to afford, then Ameriplan would work great for themBetter than NO COVERAGE AT ALL!!! Correct? And it gives the opportunity while out knocking on Small Business Owners door's, in 100 degree weather in Dallas TX summertime heat and at 100% humidity, at a heat index that would bring most people into heat exhaustion, to make a sale, being for either concept of business along with all the other products and services I have to offer any or every breathing human being

I was terminated without any contact from Ameriplan Corporation or asked to hear from me what was actually going on until about 10 days later when I received a registered letter from their attorney. An Attorney? What the hell do we need an attorney for? I was terminated for sharing this opportunity with other Ameriplan Brokers? This other company that is no threat to the Ameriplan business or it's brokers. All I was doing was trying to keep my down line from starving their families within this clouded dream and bring to them another product to sell that is so far away from the Ameriplan program it is unreal in comparison.

My direct up line in Ameriplan filled the minds of the decision makers at Ameriplan with infatuated lies about what I was doing. Because they were angry with me, as I would not go along with them in a scam they wanted me to participate in. Now this was before the convention earlier this year, hell at the convention, to my surprise everyone in Ameriplan, Even the Bloom brothers, the owners, are doing this same against the rule action called STACKING and condoning it.

This scamming type of action they wanted me to participate in is stated in the Ameriplan Policy and Procedure Manual re: Sales Director Agreement, mutually signed by everyone with a Regional Sales Director (RSD) status and above. As being against all rules and regulations and is possibly a reason for termination of such position with Ameriplan Corporation. By the way that great manual and sales agreement that this company hides behind and uses to threaten the livelihood and injustice to Humanity of every person that ever signed it, also states Ameriplan can choose to change at any given time, if they want too. That Ameriplan does not even have to follow the same rules and bylaws written in their Policy and Procedure Manual. Is this a Dictatorship? Did Hitler say If you murder a fellow friend or foe we will hang you, but it is OK to go out and round up all the Jews and fry them to a crisp?

At this time, within the Ameriplan organization, with all the friction within this company from broken promises Ameriplan has portrayed and has, in my opinion and could or may be only my opinion, betrayed amongst their brokers This so called Major Medical program was to go Nationwide July 1 and triple the amounts of our said commissions and residuals of future earnings.

It was told to the people at the convention that it was to start out in TX and not even be offered to the other states until a much later but portrayed as to be an earlier date and that there was only four representative out signing up physicians in the whole US of A. You should have seen the smiles fall from every face in that very large room and I never saw the same amount of excitement again the rest of that miserable weekend. You could of heard a pin drop.

Well in my mind and many others minds at this new healthcare seminar I attended a few days later, Ameriplan can afford 100's of these reps to be out there signing up physicians if they truly care about their broker's (I want to be sure to show ownership here. I think Slavery is against the constitution. Heck I don't knowI'm in a daze, right?) And the life of this business. Have all the owners and planners of Ameriplan made all the money they really need to make and or Are they just so ate up with GREED they just don't care about the human lives they are destroying? Greed is one of the 7th deadly sins my friends and has leveled literally 1000's of Empires throughout the history of the World.

Where does all of that Money they bring in go? Some one is getting very fat. Is this is the true answer. Is this company nothing but a front for a pyramid? I wonder if the media or some government officials would be interested in a few one-line emails from a lot of disgruntled past and present brokers from Ameriplan.

Someone that has a true concern about the people of this great nation, just may want to probe very high up Ameriplan's bottom orifice and investigate it with a microscope and a fine toothcomb? Just to see if this company may be considered a Monster of front for an Illegal Pyramid scam? I just wonder what the FBI, IRS and the Treasury Department might find hiding in the closet amongst the skeletons of Ameriplan Corporation

Let me tell you something people there are only maybe approximately 35+ people in the whole 12 years Ameriplan has been in business that have achieved this $100k and plus a year status they want you to envision and burn into your skull. Do not fall for this or any other get rich scams. Beware they are lingering all over the internet and even in your grocery stores. Many other people as myself are so caught up in the dream that they are losing everything they own because the blinders are on so thick and tight. I'm literally out $1000's of dollars and my time spent is worth more than they can ever pay. It sickens me to know what they practice daily and the lives they are destroying. This is some pretty scary stuff. To your success and your family's health.

Brad Wylie, Texas
U.S.A.

Click here to read other Rip Off Reports on Ameriplan USA

This report was posted on Ripoff Report on 08/05/2004 03:25 PM and is a permanent record located here: http://www.ripoffreport.com/r/Ameriplan-scam-work-from-home-rip-off-Dental-Insurance-Plan/Plano-Texas-75024/Ameriplan-scam-work-from-home-rip-off-Dental-Insurance-Plan-Ameriplan-Corporation-Is-th-102314. 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.

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Updates & Rebuttals

#1 Consumer Comment

Really?

AUTHOR: SB623 - ()

I am in the beginning stages as an IBO for Ameriplan. I have years of insurance sales experience. Let me first say, Ameriplan is not insurance. It is a discount plan, which is quite common. I am apppointed with Humana, and have sold their discount dental plan and discount vision plan. They do work. In the past (1980s), I used an AmeriDent plan, and saved me a lot of money. I went for a dental checkup, found out all 4 of my wisdom teeth needed to come out, two were impacted.

In terms of the discounts, I have not used AmeriPlan in that capacity. I do know that a provider's office may be accepting a discount plan, and a year or longer later, not using it. That is up to their insurance office. To put it to the test, you would have to look up providers in your area (from Ameriplan's site), and give the provider a call. In fact, call a dozen or so, and see what the results are.

 

In terms of the business, 100% commissioned sales is definitely not for everyone. Many people want an "at home" job, and that is not easy either. I have a business that I started on the side 4.5 years ago, and it has done well. I had to do a lot of hard work, made some mistakes, and spent thousands of dollars.

 

There seems to be a lot of ranting and arguing, very little intelligent conversation.

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#2 General Comment

Pyramid scheme?

AUTHOR: ciotti - ()

I am afraid that if you think that Ameriplan is a pyramid scheme, you obviously do not know what a pyramid scheme really is.  Pyramid scheme scams are companies (and I use the term very loosly) that do not offer ANY products or services in exchange for money.  Money just keeps changing hands.  As you well know Ameriplan offers many services, consequently they are far from being a Pyramid schemes.  Many people confuse pyramid schemes for MLM.

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#3 UPDATE Employee

Please Don't Call Me For Advice...

AUTHOR: Hrimmy - ()

I wrote this post, and since that time - I have found out a few things about Ameriplan that are not to my liking.  

I have had people call me for information on Ameriplan because they read my post(s).  

I have read so many complaints on here about Ameriplan, but I am not going to slander the company, because I don't believe that is ever the way to be professional.  

I will say though, for the record; I am no longer with Ameriplan...  I left of my own accord.

I am informing all of you who have read my prior post(s) and are looking for answers;

I don't have any GOOD or BAD.

Please Don't Call Me For Advice...

Thank you! 

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#4 UPDATE Employee

No two truths contradict each other

AUTHOR: Angel F. - ()

 The claims of scam and con artists seem to be directed maliciously towards some IBO or someone you had a personal experience with. As far as I can tell it is a totally conceptualized opinion. Then again, when a homeopathic remedy that cost pennies cured my 5 yr old child of a deadly bacterial infection, just by sharing the information I was called a scam artists, and a snake oil salesman, although I never once asked anyone to purchase the remedy from me in anway whatsoever so I guess crazy is as crazy does. Now when you say they do not have any affiliation with the BBB, and the BBB is upse that IBO's are lying about this fact, let me clear this up. I have had an Ameriplan membership for some time, and it has worked for me. When I realized the interest in the general public for their products and services, I decided to sign up. So far, nothing my enroller has told me has turned out to be false. All the ads and alll the information about the company posted by IBO's on Craigslist and everywhere else says "A+ BBB Rating", and to the best of my knowledge (and the BBB's Website) this is ABSOLUTELY TRUE. So as I titled my comment, no two truths contradict. Either you are the liar, or every single contributor to the BBB website and thousands and thousands of IBO's are risking their businesses, their merit, their character, their resiudal incomes and downline by lying. With that being said Ameriplan USA was founded in 1992 and since then has managed to build a debt free, cash rich company, become listed on Dun and Bradstreet, and the CEO and COO twin brothers Daniel and Dennis Bloom have been named Erngst and Youngs Entrepenuers of the Year.

I knowo of no scheme, scam, or fly by night organization that would ever be able to fool EVERYONE in the healthcare and mlm industries to pull that off. Also, by insinuating they are a scam is suggesting that all of their providers within the network (hundreds of thousands) are willingly particpating in the scam itself. Besides, you want to look up something REALLY interesting, do a little research on the Montana State Attorney General who was in charge of the case, a man who has lied, and allowed and coached others to lie UNDER OATH. How did Ameriplan respond? By backing out of offering their memberships to residents of Montana. They backed out. They manned up. I don't see Nestle apologizing for poisoning river water and trying to privatize water to deny it as a basic human right. Yet I would bet dollars to doughnuts that you still buy their bottled water and their chocolate milks for your kids.

I think if you are going to make a case against a corporation, at least have the facts, and th evidence, and there is no need to lie and make up things because you are mad that you didn't make money and you think this IBO lied to you, or whatever it is that happened. Time to let it go. You are only making yourself appear foolish trying to hoot and holler about an outstanding organization that has helped build a succesful network of independent business owners for the past 23 years. Are there people who have had problems with the service or felt it wasn't worth it. Sure. Are there people who have had problems making money with the program and didnt' build the residual income they felt they were promised. Sure. But in both cases  you will find that the majority of claims are illegitimate and unsubstantiated.

MLM are not for everyone. In fact, they are not for anyone but those who have the gumption to put forth enough effort to be prosperous. If that is not you, then perhaps you should stick to a 9-5 that trades hours of your life away for an hourly wage. Nothing wrong with that, it's a noble work ethic, but don't go blaming others when your work ethic doens't translate to you become an overnight milionaire with a home based business. It is alot of work, more than what is required to flip burgers, or drive a cab, or even wait tables or answer phones for a call center. when you own your own business, only you are responsible for the outcomes. If you tried to set up a snow cone business in the arctic, when it doesn't turn out how you wanted, you probably should have known better. Alot of planning, and innovative thinking is critical to your success (plus the financial investment). On top of the hard work and effort. Always do your research and consider your stregths and weaknesses before joining an MLM or starting your own business. In alot of peoples cases, because of our atitudes, and skillsets, a 9-5 may just be a safer option. No one made you spend the money on an investment gone bad. It is a personal choice. 

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#5 UPDATE Employee

AmeriPlan has an A+ rating from the BBB

AUTHOR: Kelley - ()

I am sorry to see such a negative report from close to 10 years ago is still a full feature.

 I think that Brad and other negative reports are due to the fact that they don't have the entrepreneurial and sales skills to make a successful career with AmeriPlan. I recently started with AmeriPlan as an IBO and I have not been forced to buy any additional materials or pay for leads. We are Independent Business Owners, which means that we create our own business and our own success or failure. It sure sounds like the failures expected the sales to roll out in front of them like the yellow brick road. It's not the hours invested but the actual intelligence of the activities and level of skills done within those hours that count. If Brad was only getting 6 hours of sleep a night, that's a crazy man there.

Who in the world can start a business without spending money on it?!!!!!! The investment required by AmeriPlan is less than a dinner at a nice restaurant. From what I am reading, I think the business has naturally weeded loonies out. Too bad they were recruited, wasted their lives and blamed in on the company. Note, I am being very selective about whom I am recruiting. I won't recruit unsophisticated or inexperienced people as IBOs but intelligent executive level professionals.  

AmeriPlan provides free training and I found it to be good for people new to sales or running their own business. It was good for me to learn the products and hear leaders stories. It happens that I have 30+ years succesful sales experience and have run my own business for years, so my strategy is my own. So far so good. I am glad to see that others are sharing positive success stories. I don't expect to attend conventions, I am independent and not a groupie type. Maybe the top leaders should attend and if someday corporate wants to pay me $thousand to go, then I'll consider it. Otherwise, I'll spend my money on a real vacation from work.

My National sales Director and VP have been nothing but positive and encouraging. The customer service support has also been excellent. They provide the tools, a very good business model that makes a whole lot of good sense, especially now as medical costs are going crazy.

Recent studies all show that the #1 reason for bankruptcies are medical bills. One that caught my attention was conducted by Harvard University that 62% of banruptcies were due to medical bills and 78% of filers had insurance. AmeriPlan providers offer 50%-86% off of standard rates, plus the company has an advocy group that helps members with high medical costs from non AmeriPlan providers. There are many other benefits too. At the end of the day, I feel good knowing that I am helping to provide people with healthcare benefits that can make a huge positive difference in people's lives.

There are currently 1.5 million+ members and growing. That says a lot. It's just a drag to see that disgruntled failures got some big headline feature stories here that have stayed posted for a decade. I hope that others see through it  that it's really the individuals who failed but not the company. It seems to me that in their attitudes, they are not cut out for sales.  

I earned a couple great college degrees and have many executive level resources and if I ever have a problem, I would take it through professional channels to sue them. I don't think these people complaining have a legal leg to stand on so took it here to try to put blame their failure on the company instead of owning it. It's the int term IBO- it couldn't be more clear. Certainly I think that bad things will not ever happen with me because I will create my own success as an IBO. Everything I have experienced is on the up and up and professional. It is not a scam. I truly believe it is a good company providing good benefits for millions of people and professional providers.

In addition to healthcare providers, AmeriPlan is affiliated with great companies including major retailers, entertainment, automotive companies and more. These companies would not ever affiliate themselves with a disreputable company. I just wanted to put my .02 in here because it upsets me to see a bad rap. If they took it to lawyers thyey would find they don't have a case and actually some things I read could be considered to be baseless slander. 

People should look at the company and the services for themselves and make your own decisions. Please just don't let the disgruntled failed IBOs influence your decision. 

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#6 REBUTTAL Owner of company

Should be called ameriscam

AUTHOR: John - ()

I signed up as an icon in 2005 and signed up 2 people and was never paid. I quit them and luckily it only cost me a few bucks. If it sounds to good to be true, it probably is. Pyramid Scheme Big Time.

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#7 General Comment

Ameriplan - SCAM or NOT?

AUTHOR: Hrimmy - ()

I am so sad to hear that people do not realize that when you work WITH Ameriplan® you are not working FOR Ameriplan®. You are your OWN Independent Business Owner.  So you do not get a paycheck hourly in the traditional form.  

So when someone complains about a monthly Broker Fee, this is really not factual.  You are getting the benefit plan of your choice (depending on your commission level), and are able to conduct business under the UMBRELLA (for lack of a better word) of a well established company.   With this plan, you get all the savings as would a member who was not working with the company and had purchased the same plan solely to save money.  Imagine what your over-head would be if you went out to start your own business.  You would pay more just to have a phone line than you do when you work with Ameriplan!!!

I know that if I were working for a 9-5 job outside the home, I would pay a portion of my check every month to go towards an insurance/benefit plan that my job provides.  And it would be costing me a WHOLE lot more than it does for the plan that I pay with Ameriplan, and it would give me WHOLE lot less too! I have never known of, or seen, a company where I can work from home, and choose a discount benefit plan for my entire family for such a small montly cost.  This is really such a small fee to pay to be able to work from home, set my own hours, and be there for my children Day-in and Day-out - and have Dental, Vision, Prescription, Chriropractic, and Medical Coverage, + MORE for my ENTIRE FAMILY for such a small plan price.  I mean; with the 3 different Broker Plans, one can virtually start with any buget.  And as a business owner, all fees associated with running a business are a tax deductable. So, not only do you get to reap the savings of the benefits for your family, you also get to write it off as a business expense at the end of the year.  You are not going to be able to write off what you pay your employeer for benefits! So, it is really a no brainer...   

With this small fee, Ameriplan® offers an extensive training program, one on one Mentoring, and we help by GIVING each other leads.  Yes, you can get on a coop to buy leads or purchase them an outside lead source, but this is personal preference.  Nobody is ever required to BUY leads...   If you truly work your business AS A BUSINESS and follow the training on how to generate leads, you can really get as many leads as you need for FREE!!!  

Ameriplan keeps all our contract up to date with over 500,000 provider nationwide, they send out all the membership material to our members, as well as handle all customer service related issues. 

As with any business, one is only going to prosper if they do the work.  I know that guy mentioned he worked SO many hours a day.  I really have to ask, "What was he doing wrong???"  I am only working about 4 hours a day M-F, and I made back my small investment in a little over a week, and have been seeing a profit ever since!!! 

In case you are wondering, I am not working in the corporate offices at Ameriplan.  I am a mother, living in the beautiful state of Colorado, who is an Independent Business Owner with Ameriplan®.  I took a leap of faith after recovering from cancer and chemo.  I knew I was wasting too much precious time away from my family and deciced to make a change.  I LOVE working with AMERIPLAN®  They have changed my LIFE!!!

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#8 Consumer Comment

Thank you Brad

AUTHOR: gtaber - ()

Brad, I found your report after doing a Google search on Ameriplan. I am unemployed and disabled with NO income at all, and have a roof over my head only due to the generousity of my family. While searching for some kind of work I can do from home, I came across Ameriplan. I read everything they said on the recruiting web site, and nothing was ever mentioned about having to put up any of my own money, which I don't have. It was made out to be a home JOB, not a home Business, with a regular paycheck. After reading your report it became obvious that it is a pyramid type scam. I was on the verge of clicking on the "request an interview" button, and decided to do a little research first. They do have my contact info though, as I was stupid enough to fill that part of the web form out. But I can make them go away with my spam filter. I am very sorry that you went through the ordeal you describe here, and my heart goes out to you and your family. But if it is any consolation, you did save at least one person, me, from getting scammed like you did. Again, thank you, your report did make a difference.

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#9 UPDATE Employee

I Am One of Those Fake People

AUTHOR: Sheila P - (United States of America)

Brad,

So sorry to hear you feel that way about Ameriplan, and others as well.  I am a National Sales Director with Ameriplan, I have been with the company nearly 2 years.  Like I have had to tell other people myself you do have to work to make money, just like you would anywhere else, checks do not fall from the sky, sign ups are not just going to magically appear and grow your check.

Ameriplan provides us with amazing tools and products we have to decide to use them.  The leaders in Ameriplan from IBO-NVP are real people I have contact with everyday and have met in person.

It takes work and energy to build those upfront and residual checks and you have to be willing to do it, has anyone ever made any money from doing nothing?  I think not. Hope you found what you were looking for. Ameriplan is my forever plan.
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#10 REBUTTAL Individual responds

Ameri plan

AUTHOR: Tangibleroses - (United States of America)

Here is my opinion.  The company is trying to get me into the business.  Anyone who has to pay a company to make money, is a scam.  If they need brokers, why do they want you to pay them to work for them selling their insurance?
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#11 UPDATE Employee

Brad You Are So Wrong

AUTHOR: Freedomathomedad - (United States of America)

Brad,

I am an AmeriPlan IBO. My story is completely different than yours! I am reaching great success with AmeriPlan in a very short period of time. You failed to mention that your IBO fees also included benefits for your entire household. Just because your upline misinformed you and lied to you does not reflect all leaders of this company.

I am on the Freedom at Home Team and we are the largest and fastest growing team within AmeriPlan and have several six-figure income earners within our team. Me being one of them. I have never paid more than $2 for a lead and my downline is also very successful. Sorry for your misfortune. You should have read your contract before you started cross recruiting.

Put the blame where it belongs. On yourself. It's a shame how people try to blame their mistakes and stupidity on someone else and you are a clear case of that.
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#12 UPDATE EX-employee responds

Pyramid SCHEME to the FULLEST!

AUTHOR: Jayy - (USA)

AmeriPlan is byfar on of the most vindictive schemes EVER!!! They do not care who they prey on, as long as they get your money. Sad to say, this is how American businesses have been for a while. It's a dog-eat-dog world already but why erect businesses that are infected with money hungry rabies? They are such a lie and the people who work work them uses the bases of God to suck you in!! My gosh, I'm a christian but they couldn't wait to feed off of my beliefs!!!! How horrible are they??? PLEASE BEWARE AND RUN THE OTHER WAY!!!
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#13 Consumer Comment

Hmm...

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

Can you say "pyramid scheme?" I knew you could!

From the website of the Montana State Auditor: I simply did a search for "ameriplan" and lo and behold (this is a small excerpt - go read the complete document0:

AmeriPlan and its agents and officers were accused of failing to contract with the medical care providers (including doctors, nurse practitioners, physician's assistants and hospitals) they advertise as participants in AmeriPlan's medical care discount program. The Auditor alleges that over 700 Montana AmeriPlan members living all across the state were unable to use the discount cards because there were few, if any, providers in Montana. Additionally, AmeriPlan is charged with conducting an illegal pyramid promotional scheme because it sold broker packages for the purpose of recruiting memberships. Because the memberships were for discounts that did not exist, Morrison alleged there was no actual product being sold. AmeriPlan's largest source of income in Montana was from the sales of these broker packages, which were nothing but a pyramid scheme, according to the Auditor's charging document.
AmeriPlan's website and other advertising, including oral assertions from some of its agents, claimed to have a substantial number of medical care providers, dentists, and chiropractors contracted to provide a significant discount through the purchase of its card. When the Auditor's office investigated these claims they were unable to find a single medical care provider or chiropractor who honored the discount cards. The only dentist who had contracted with AmeriPlan was located in Forsyth and was on probationary status with the Montana Board of Dentistry for his unlawful activities in Colorado. The new law requires the discount card companies to have contracts for services with providers located within a 60 mile radius of the card holder.
The company was told to stop its activity in November of 2005 but AmeriPlan continued to market its discount cards until the matter was referred to Morrison's legal staff in late April. Additional charges included securities fraud, using deceptive or fraudulent practices in the marketing of their discount cards, selling unregistered securities by unregistered salespersons and failure to stop marketing the cards when they were not properly registered.

So much for "just a bunch of whiners," huh?
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#14 Consumer Comment

Virtually baseless and naive

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

You know I just can't resist this. Lisa is the most recent complainer. First of all Ameriplan puts everything in writing...and has a satisfaction guarantee that will refund all but the $30 registration fee. Really Ameriplan doesn't need defense...the complainers just need to get with the real world. If Ameriplan was so concerned about this BBB listing, they would be just like any of the more major corporations that lobby bbb excessivly to ensure their membership.

The incident in Montana is likely the decisions of a misguided or misleading IBO that most surely did not have to recommendations of corporate to market benefits without people having an understanding of providers. If I was any idiot that comes along and complains about such a low cost product that many people cliamed to have save quite a bit of money with...I would spend my time complaining about some of the more falsely represented major insurance carriars...(not naming any of the most obvious names) they are constantly getting bad press for charging high premiums of several hundred a month and then dont even cover many of the Americans who need it. I read all the time about how people were dropped from their insurance policy without notice based on incomprehensible reasons such as unknown pre existing conditions or just simply fighting you in court because of a futile disagreement with a blatent or obvious claim.

Lets keep things in perspective here. A few people lost a few little dollars or weren't satisfied completely with their benefits...I guarantee you'll find many more complaints about many other corporations that you take for granted. Heck, if you're gonna spend time fighting and writing for common "innocent" people....worry about the 200-600,000 innocent civilians in the mideast that have been killed as collateral damage of the Iraq war...isn't that something a little more worth spending your activist time on? Anyways just a quick note...believe me...I have much more, but don't got time....so good luck everyone have a wonderful day

This is NOT a statement made on behalf of Ameriplan...I am making this statement completely indendent of the opinions and thoughts of Ameriplans corporate staff.
Micah
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#15 Consumer Comment

Virtually baseless and naive

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

You know I just can't resist this. Lisa is the most recent complainer. First of all Ameriplan puts everything in writing...and has a satisfaction guarantee that will refund all but the $30 registration fee. Really Ameriplan doesn't need defense...the complainers just need to get with the real world. If Ameriplan was so concerned about this BBB listing, they would be just like any of the more major corporations that lobby bbb excessivly to ensure their membership.

The incident in Montana is likely the decisions of a misguided or misleading IBO that most surely did not have to recommendations of corporate to market benefits without people having an understanding of providers. If I was any idiot that comes along and complains about such a low cost product that many people cliamed to have save quite a bit of money with...I would spend my time complaining about some of the more falsely represented major insurance carriars...(not naming any of the most obvious names) they are constantly getting bad press for charging high premiums of several hundred a month and then dont even cover many of the Americans who need it. I read all the time about how people were dropped from their insurance policy without notice based on incomprehensible reasons such as unknown pre existing conditions or just simply fighting you in court because of a futile disagreement with a blatent or obvious claim.

Lets keep things in perspective here. A few people lost a few little dollars or weren't satisfied completely with their benefits...I guarantee you'll find many more complaints about many other corporations that you take for granted. Heck, if you're gonna spend time fighting and writing for common "innocent" people....worry about the 200-600,000 innocent civilians in the mideast that have been killed as collateral damage of the Iraq war...isn't that something a little more worth spending your activist time on? Anyways just a quick note...believe me...I have much more, but don't got time....so good luck everyone have a wonderful day

This is NOT a statement made on behalf of Ameriplan...I am making this statement completely indendent of the opinions and thoughts of Ameriplans corporate staff.
Micah
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#16 Consumer Comment

Virtually baseless and naive

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

You know I just can't resist this. Lisa is the most recent complainer. First of all Ameriplan puts everything in writing...and has a satisfaction guarantee that will refund all but the $30 registration fee. Really Ameriplan doesn't need defense...the complainers just need to get with the real world. If Ameriplan was so concerned about this BBB listing, they would be just like any of the more major corporations that lobby bbb excessivly to ensure their membership.

The incident in Montana is likely the decisions of a misguided or misleading IBO that most surely did not have to recommendations of corporate to market benefits without people having an understanding of providers. If I was any idiot that comes along and complains about such a low cost product that many people cliamed to have save quite a bit of money with...I would spend my time complaining about some of the more falsely represented major insurance carriars...(not naming any of the most obvious names) they are constantly getting bad press for charging high premiums of several hundred a month and then dont even cover many of the Americans who need it. I read all the time about how people were dropped from their insurance policy without notice based on incomprehensible reasons such as unknown pre existing conditions or just simply fighting you in court because of a futile disagreement with a blatent or obvious claim.

Lets keep things in perspective here. A few people lost a few little dollars or weren't satisfied completely with their benefits...I guarantee you'll find many more complaints about many other corporations that you take for granted. Heck, if you're gonna spend time fighting and writing for common "innocent" people....worry about the 200-600,000 innocent civilians in the mideast that have been killed as collateral damage of the Iraq war...isn't that something a little more worth spending your activist time on? Anyways just a quick note...believe me...I have much more, but don't got time....so good luck everyone have a wonderful day

This is NOT a statement made on behalf of Ameriplan...I am making this statement completely indendent of the opinions and thoughts of Ameriplans corporate staff.
Micah
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#17 Consumer Comment

Virtually baseless and naive

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

You know I just can't resist this. Lisa is the most recent complainer. First of all Ameriplan puts everything in writing...and has a satisfaction guarantee that will refund all but the $30 registration fee. Really Ameriplan doesn't need defense...the complainers just need to get with the real world. If Ameriplan was so concerned about this BBB listing, they would be just like any of the more major corporations that lobby bbb excessivly to ensure their membership.

The incident in Montana is likely the decisions of a misguided or misleading IBO that most surely did not have to recommendations of corporate to market benefits without people having an understanding of providers. If I was any idiot that comes along and complains about such a low cost product that many people cliamed to have save quite a bit of money with...I would spend my time complaining about some of the more falsely represented major insurance carriars...(not naming any of the most obvious names) they are constantly getting bad press for charging high premiums of several hundred a month and then dont even cover many of the Americans who need it. I read all the time about how people were dropped from their insurance policy without notice based on incomprehensible reasons such as unknown pre existing conditions or just simply fighting you in court because of a futile disagreement with a blatent or obvious claim.

Lets keep things in perspective here. A few people lost a few little dollars or weren't satisfied completely with their benefits...I guarantee you'll find many more complaints about many other corporations that you take for granted. Heck, if you're gonna spend time fighting and writing for common "innocent" people....worry about the 200-600,000 innocent civilians in the mideast that have been killed as collateral damage of the Iraq war...isn't that something a little more worth spending your activist time on? Anyways just a quick note...believe me...I have much more, but don't got time....so good luck everyone have a wonderful day

This is NOT a statement made on behalf of Ameriplan...I am making this statement completely indendent of the opinions and thoughts of Ameriplans corporate staff.
Micah
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#18 UPDATE Employee

Chill out Lisa

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

Lisa,

All I can say is that you are a very dumb person. If Ameriplan was a scam we'd be out of business. Without Ameriplan Millions of people couldn't afford to even go to the dentist. Just because you were lazy and didn't succeed doesn't mean it's a bad company. As far as the BBB goes: Just because some stupid person in Montana was trying to get rich off Ameriplan means nothing. They could have used the Rx & Vision benefits and save a ton of money. Everyone these days is trying to sue someone. You need to just calm down and take a chill pill. Ameriplan is a great company. Again if we were a scam we would be out of business. 15yrs speaks for it's self.
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#19 UPDATE EX-employee responds

Ameriplan is a lie!

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

I can not believe the current IBOs that post on here. You are all fakes and liars. Ameriplan was revoked from being a member of the BBB in February of 2007. Yet the current IBOs still claim Ameriplan is so concrete and wonderful. Well get this,

Go to any city of craigslist or backpage. The "honest" IBOs of Ameriplan still post that Ameriplan is a member of the BBB. What a lie! Oh, and let us not forget the reason why this "honest" and "fruitful" company got revoked from being a member of the BBB. Just go to any search engine and look up Montana Attorney State General and do a search on Ameriplan. Read his report. Ameriplan kept trying to sell Ameriplan memberships to the public of Montana, when there were no providers. ConArtists! All of the IBOs of Ameriplan.

By the way, I contacted the BBB and filed a report. I "HATE" Ameriplan and everything it (Doesn't) stand for. The BBB in most of the major cities were none to thrilled to find out that Ameriplan is still representing itself as a member of the BBB. Everytime I see a job posting try to con some innocent person into this scam, I take their information and post it to the BBB of that city.

Simply, Go to H#LL to all of the Ameriplan IBOs and everyone associated with Ameriplan. I hope you burn in H#LL!

Love to Hate Ameriplan!
Ameriplan is a SCAM!!
Ameriplan has no morals or ethics!
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#20 UPDATE Employee

Negative remarks - who does it really help??

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

I too am an Independent Business Owner with AmeriPlan(R) and I wanted to respond to the negative comments thrown at AmeriPlan(R). Is it really their fault for anyone's lack of success? I don't think so. There isn't any company that I know of that is at "fault" for a person not succeeding in their job/career. But with a job in corporate America, if an employee doesn't do his/her job correctly - they are typically reprimanded but are continued to be paid a "salary".

Based on the negative comments about how things weren't working the way they should have, one needs to look at themselves to see if they are really doing what needs to be done to make their business successful. If you don't follow company policy and if you don't follow the training that is being given to you - how can you possibly blame others for your shortcomings? Because you aren't getting a paycheck like you would in a corporate job? This is a business - any business in the world comes with expenses, just a fact of doing business.

The potential of success in AmeriPlan(R) or any other business for that matter is completely dependent upon the individual. This business ISN'T for everyone - most IBO's realize that when making the choice to get involved with the company.

What I see happening in all these negative reports about this company and that company, is people seem to "thrive" off blaming others for their failures. It was even mentioned the product (it's a service) is great for what it is; it's an opportunity for those who can not afford health care coverage at the insane prices that insurance companies charge. What's so horrible about people saving money?

Why is it that when one is researching information about a company that they look for the "negatives" and what is wrong? Of course I want to make sure that the company I get involved with is reputable and has a product or service that the majority of the population can use. I look towards government agencies that would have information about a company and their business practices and whether they're a good risk or not.

The Better Business Bureau is definitely one that I stay away from as they are a privately held, non-profit organization comprised of corporations. These corporations are supposedly a group of our "peers" per say and we're supposed to "trust" what they say?? HELLO??!! They're corporations and one thing I'm staying away from as I get nothing out of a corporate job, other than a "flat" rate per hour or year and a measly raise that doesn't even compare to the cost of living.

What has happened to the compassion in people these days? Isn't the world filled with enough negativity that people have to lash out at others? Why not state what didn't work for you in your attempt at this business instead of mudslinging? Harboring negative feelings will only bring about negative karma.

So this business didn't work for you, maybe it wasn't the right fit at that time. Maybe you didn't follow all the training methods put forward. What does it do for you to slam a company and people? I think people are intelligent enough to make their own decision whether or not this business or another is the right thing for them. The facts are presented to them to make an informed decision.

Maybe your sponsor wasn't forthcoming with the information and they too could have been ill-informed but blaming the entire company I think is a little drastic on your part. I would want to be warned and informed if there was a food company that had been contaminating the food that I eat - getting involved with a business, I will make that decision with or without your nasty comments.
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#21 UPDATE Employee

AmeriPlan Delivers on the Promise!

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

It is so sad to see this kind of bad-mouthing going on.

My name is Cody Miller, my father is Scott Miller. I just turned 18 last year and got started with AmeriPlan as an IBO. My dad has been with the company for 11 years.

I currently have no residual income to speak of but my father has an income of just under a quarter of a million dollars a year. He achieved $100,000 a year in residual income in 20 months of hard work.

AmeriPlan says 2 - 4 years of consistent and diligent effort and you can become financially free. I've seen it with my own two eyes.

Don't let Brad's report fool you, AmeriPlan is a 15 year old company, holding the highest attainable rating with the Better Business Bureau. We are not a scam, scheme or rip-off in any way.

AmeriPlan works. But YOU have to work.

Furthermore, your upline is not AmeriPlan. Let his poor character reflect upon himself, not this amazing company.

Sincerely,
Cody Miller
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#22 UPDATE Employee

I'll keep it short for you

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

Brad, not only is your complaint a bit hard to follow, your account of what happend to you as an IBO with Ameriplan seems to have some holes in it.

First off, you stated that you went to an orientation for another company in the HEALTH BENEFITS industry. While I agree that you had the best interest of your downline, potential and existing customer base in mind, in doing so you willingly broke the policies and procedures that you agreed to and signed in both your IBO application and your Sales Director Contract. In other words YOU put YOUR business in jeopardy regardless of what sales platform the other company used (MLM or otherwise).

Secondly, if you were working 18 hours a day on your Ameriplan business, you obviously alotted no time for attending organizational training calls. To put it plainly, you weren't plugging in with the people who know how to run this business successfully! If you had you would have been hip to the fact that when left to your own devices, you run the risk of driving your business into an unproductive spiral and spinning your wheels. Chasing bad money with good money. By your own inferrence, you spent 18 hours a day doing all the wrong things, all of the time. Bad business practices!

Now I'm sorry that the entire Ameriplan family is compelled to gang up on you after a post like this, but hey, we're a family! Just goes to show that for every one negative post on here, your gonna hear the facts from those who have put our best foot forward and have tasted the success that follows.

For the lady who posted that we're all "fakes". Judd Morris posted his full name, he does exist, is a heck of a nice guy as well as a successful one with this company. (No, I'm not in his downline)

Policies and procedures, bro. If you can't follow the rules that YOU SIGNED... don't cry foul when they take the game away from you.
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#23 UPDATE Employee

Hey it's not a perfect world

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

I am an IBO with Ameriplan. Yes, I just have to say that it's a shame that naaivity can be so eminent. To complain about an investment of $35 a month or even $100 and to claim that he wasted so much time dreaming about starting this business. But Brad, straight up look in the mirror and ask yourself...did you put nearly as much time, effort or investment into Ameriplan as you would have starting any business...say a mcdonalds, a laundromat, a cleaning service, a law firm...I mean get realistic! You think that earning $500,000 , 100,000 or even just $25,000 in completely residual income from basically scratch...did you think that is something that comes easy??? Ameriplan can show you what to do, but only you can master it. It's just a fact, any failures you have with Ameriplan are your own failures, straight up...flat out, you make what you are worth, simple as that. And yes, you can work another business with another health care product...just don't recruit people from this company into that one...thats too obvious...I mean if you were a programmer at microsoft...do you think they would keep you on the payroll if you were trading programming software and info with netscape or if you were working for any company and recruiting their sales force into not only another product, but a product in the same industry...a competitor of sorts...i mean give me a break...people with money invest thousands or millions to start businesses that could be quite risky. Other people work for decades just to even start a business period. I mean I dont know what else to say about it...thats just crazy! Oh and when you actually make over your broker fee in residual income, ameriplan just takes it out of your check.
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#24 UPDATE Employee

Hey it's not a perfect world

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

I am an IBO with Ameriplan. Yes, I just have to say that it's a shame that naaivity can be so eminent. To complain about an investment of $35 a month or even $100 and to claim that he wasted so much time dreaming about starting this business. But Brad, straight up look in the mirror and ask yourself...did you put nearly as much time, effort or investment into Ameriplan as you would have starting any business...say a mcdonalds, a laundromat, a cleaning service, a law firm...I mean get realistic! You think that earning $500,000 , 100,000 or even just $25,000 in completely residual income from basically scratch...did you think that is something that comes easy??? Ameriplan can show you what to do, but only you can master it. It's just a fact, any failures you have with Ameriplan are your own failures, straight up...flat out, you make what you are worth, simple as that. And yes, you can work another business with another health care product...just don't recruit people from this company into that one...thats too obvious...I mean if you were a programmer at microsoft...do you think they would keep you on the payroll if you were trading programming software and info with netscape or if you were working for any company and recruiting their sales force into not only another product, but a product in the same industry...a competitor of sorts...i mean give me a break...people with money invest thousands or millions to start businesses that could be quite risky. Other people work for decades just to even start a business period. I mean I dont know what else to say about it...thats just crazy! Oh and when you actually make over your broker fee in residual income, ameriplan just takes it out of your check.
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#25 UPDATE Employee

Hey it's not a perfect world

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

I am an IBO with Ameriplan. Yes, I just have to say that it's a shame that naaivity can be so eminent. To complain about an investment of $35 a month or even $100 and to claim that he wasted so much time dreaming about starting this business. But Brad, straight up look in the mirror and ask yourself...did you put nearly as much time, effort or investment into Ameriplan as you would have starting any business...say a mcdonalds, a laundromat, a cleaning service, a law firm...I mean get realistic! You think that earning $500,000 , 100,000 or even just $25,000 in completely residual income from basically scratch...did you think that is something that comes easy??? Ameriplan can show you what to do, but only you can master it. It's just a fact, any failures you have with Ameriplan are your own failures, straight up...flat out, you make what you are worth, simple as that. And yes, you can work another business with another health care product...just don't recruit people from this company into that one...thats too obvious...I mean if you were a programmer at microsoft...do you think they would keep you on the payroll if you were trading programming software and info with netscape or if you were working for any company and recruiting their sales force into not only another product, but a product in the same industry...a competitor of sorts...i mean give me a break...people with money invest thousands or millions to start businesses that could be quite risky. Other people work for decades just to even start a business period. I mean I dont know what else to say about it...thats just crazy! Oh and when you actually make over your broker fee in residual income, ameriplan just takes it out of your check.
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#26 UPDATE Employee

Hey it's not a perfect world

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

I am an IBO with Ameriplan. Yes, I just have to say that it's a shame that naaivity can be so eminent. To complain about an investment of $35 a month or even $100 and to claim that he wasted so much time dreaming about starting this business. But Brad, straight up look in the mirror and ask yourself...did you put nearly as much time, effort or investment into Ameriplan as you would have starting any business...say a mcdonalds, a laundromat, a cleaning service, a law firm...I mean get realistic! You think that earning $500,000 , 100,000 or even just $25,000 in completely residual income from basically scratch...did you think that is something that comes easy??? Ameriplan can show you what to do, but only you can master it. It's just a fact, any failures you have with Ameriplan are your own failures, straight up...flat out, you make what you are worth, simple as that. And yes, you can work another business with another health care product...just don't recruit people from this company into that one...thats too obvious...I mean if you were a programmer at microsoft...do you think they would keep you on the payroll if you were trading programming software and info with netscape or if you were working for any company and recruiting their sales force into not only another product, but a product in the same industry...a competitor of sorts...i mean give me a break...people with money invest thousands or millions to start businesses that could be quite risky. Other people work for decades just to even start a business period. I mean I dont know what else to say about it...thats just crazy! Oh and when you actually make over your broker fee in residual income, ameriplan just takes it out of your check.
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#27 REBUTTAL Individual responds

Martinez

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

Maybe you get that fat check because your hispanic. After all, whites are the one's that are discriminated in this country.
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#28 Consumer Suggestion

What A Laugh

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

I couldn't help myself but I needed to respond to this last comment on here.
All of us IBO are dreaming? We are fakes??
Well, believe what you want.

I laugh at that comment everytime I open my mailbox and see a fat check from Ameriplan(R) with my name on it!

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#29 UPDATE EX-employee responds

Brad, I have your back

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

Brad,

I do understand exactly what happened. It happened to me too. Everything that you said was an exact review of my experience. They are all in a daze. Half of the people that go in here and say, "Oh, AmeriPlan has been so wonderful" are fake. They don't exist. The NSD's and the rest of the upper downline go and post comments of fake people and how they are just so happy. Please, get over it people. The company needs to just go away. I will laugh, truly laugh when the dreamers wake up, and they don't have their residual as "delivered on the promise". IT NEVER HAPPENS. GET OVER IT.
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#30 UPDATE Employee

So Angry

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

Brad
You seem so very angry. I am so sorry that you have not had the same expereince with AmeriPlan USA(R) that I have. In Two years with AmeriPlan(R) I have made many thousands of dollars. I have built a very nice little residual income for me and my family. I have been to 2 leadership conferences, one in L.A. and one in Orlando. I have been to one national convention and am getting ready to leave for my second National convention in Dallas in just 7 days. I have achieved the level of Senior regional Sales director and will be an Executive Sales director by early next week before leaving for convention. I achieved being the number one IBO Recruiter in AmeriPlan USA(R)last July and August. I have been featured on the cover of AmeriPlan's Spotlight magazine in september,2005. I was flown to dallas all expense's paid and put up in a five star hotel with 50 other top producers last january for the leaders of tomorrow conference. In the first year of my business when I could not afford to go to conventions and conferences I have had some of the top leaders in this company such as Mark Jarvis step up and pay my way. When I told him I would pay them back after I was earning 100k per year I was told to pay it forward! AmeriPlan has truly delivered on every promise ever made to me and my downline.

as for the $35.00 a month IBO fee goes.It sounds to me that you just simply did not sell very much. Even if you stayed on Advanced commissions, if you had obtained the level of Regional Sales Director (RSD) those 10 transactions, 4 IBO's and 6 members would have paid your IBO Fee out of your monthly residual check after just 6 months. Since I achieved RSD I have never had any moneies drawn from my personal checking account again. Every month on the 18th I recieve a statment that tells me how much monies were deposited into my Free checking account provided to me thru AmeriPlan at The National Bank of Preston and on that statement it says -$35.00 IBO fee. It comes right off the top of my commissions.

As for buying expensive leads from ameriPlan is concerned. I have heard rumors that AmeriPlan used to sell leads but from what I heard they were very reasonably priced. They do not currently sell leads. I personally focus my business efforts on the internet so I buy on an average of $300.00 a week worth of leads for my auto responder. I make that mony back within hours of sending out my emails and over the course of the week until I buy more leads, make at least $2000.00 off those leads after expenses. Alot of those leads I give away for free to my down line. It sounds to me that if buying leads was starving you and your family you should have had enough business sence to slow down on your leads purchases. A good business man sets a marketing budget based on what he can afford and never exceeds that budget. This is a business Brad. If you do not have good business sence then you should not be in business for yourself. "If you cant stand the heat, get out of the kitchen."

As for going out and pushing AmeriPlan USA(R) on your friends and family. AmeriPlan USA(R) is dead set against that. When I bring in a new IBO, and I bring in on an average of 30 per month. The first thing I have them do is make a list of everyone they have ever known. The pupose of this list is not to hard sell anyone. It is the same concept as if you were opening your own rib restaraunt. Who would you want to tell about it? EVERYONE!!! Making the list is supposed to be like having a grand opening. We want to let everuone we know know that we are in business for ourselves. If they are interested, great! If not, move on!

Lastly your pyramid statement. AmeriPlan USA's(R) business plan is as far from a pyramid as you can get. In fact, it is exactly the opposite. In a pyramid you have one guy at the top and a bunch of guys at the bottom. In this example lets say that you start out on the bottom making a commisssion of 10% you climb one step up and now you make 15%. another step up and you make 20% and at the top 25% off your own business and everyone else below you. The guy at the top makes the most money. At AmeriPlan USA(R)EVERYONE, I mean EVERYONE From Dennis and Daniel Bloom and Mark Jarvis right down to the newest AmeriPlan USA(R) IBO enrolled today, makes the same level 30% lifetime residual income on thier own business. The higher the level of managment that you achieve the less money you make on the efforts of your down line as an RSD you recieve 15% on your first level. As an SRSD you recieve 10% on your second level. As an ESD you recieve 5% on your third level and at the top level of management NSD you recieve 3% on the efforts of your down line below the third level. So as you can see Brad, your pyramid theory just flew out the window.

Yes there will always be the people such as yourself looking for a get rich quick scheme running around convention in a daze then going home and laying around on thier couch waiting for this to happen by asmosis. Those people will never make 100k plus per year in lifetime residual income. But those such as myself who approach this as what it is, (A legitamite business oppertunity), will make 100k and into the millions per year in lifetime residual income. All it requires is a willingness to remain teachable and trainable and a real desire to get up off the couch and change yours and your families financial future.

If you ever feel like you want to try again with a good honest team feel free to look me up. But I will warn you up front, No negativity on my team. And no cross recruiting!!!

Jud Morris
AmeriPlan USA(R)
Senior Regional Sales Director
Tacoma, washington
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#31 UPDATE Employee

YOU APPARENTLY NEED HELP!!

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

To Brad in Wylie Texas,

First off, you KNOW why you were canceled, and it wasn't what you stated. Secondly, NO business works if you do not work it. I am an Executive Sales Director with AmeriPlan, and I know this business works, as well as the benefits, which I myself have used. You said your home is in foreclosure? Well, who in their right mind would risk losing their home? That's not on AmeriPlan, that's on YOU! I have been with this company for almost 3 years, and I never even SEEN a $10 lead, much less purchased one! Leads are purchased on a voluntary basis; AmeriPlan does not FORCE anyone to do anything that they don't want to. How could they? This man is one of the millions of people in this world who doesn't want to take responsibility for his own behavior and decisions.

You don't have to pay the $35 broker fee; you can always QUIT, if you're dissatisfied.

Whine, whine, whine, poor me.

GROW UP!!! You made these choices, live with them, and stop trying to blame someone for your inadequacies.


Lovin' AmeriPlan
Philly
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#32 Consumer Comment

AmeriPlan has BLESSED me for 4+ years! Sorry, Brad...

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

First of all to Brad. So sorry this experience did not work out for you, but why not accept responsibilities for your own actions and not try to ruin it for everyone else that has been blessed by this company?

I am a National Sales Director, a single mom who has worked hard to earn my title and to have a successful business in AmeriPlan. For me, Ameriplan has first and foremost, got me out of the RAT RACE - the ugly corporate world that I was stuck in. All that produced for me was high blood pressure, travel away from my daughter, endless hours of work, and never satisfied bosses who only cared about themselves (of course to those at the top got paid the big bucks in the corporate world).

A little over 4 years ago, I made the decision to get out of the corporate world, and I found Ameriplan. I fast tracked to RSD, made $1800 in my first month and continued to work consistently and deligently to grow my business.

Over the past 4 years, not only have I signed up hundreds of members that are very happy with the savings that they receive for their membership, but also many IBO's that are as dedicated to this business and have changed their lives. I feel good about HELPING OTHERS SAVE MONEY, and impacting their lives financially for the good!!

Now the MAIN BLESSING to me as a single mom, is MY LIFESTYLE CHANGE this business has provided me ~ able to WORK FROM HOME, WORK THE HOURS AND DAYS I WANT, BE MY OWN BOSS, AND BE THERE FOR MY DAUGHTER FOR EVERY SINGLE SPORT EVENT, SCHOOL ACTIVITY, ETC. There is POWER in that! I could never have that working an 8-5 job, and being "owned" by an employer. Employers are the dictators!

As I reflected on memories for the past 4 years, I was so thankful for Ameriplan because my memories were of being able to be there for my daughter 100%. If I was still working my other job, that would not be the case.

For those of you that have fallen upon reading these negative comments from ex-IBO's that have broken the company policies, or who have twisted events for their benefit and to try to make others look bad and them "good and honest, a victim" ~ don't let them steal your dreams and scare you away.

I am living proof that, Ameriplan can and will be what you make of it. If you are a cheater, lier, break policies, etc....I guarantee it the owners will terminate your contract because they care about all the people in the company that are working hard, with honest businesses and following policy. They will not tolerate bad unethical business practices, and will take action to protect the millions of Americans that are being blessed by their company.

Some people just don't like to follow the rules, and get greedy and end up breaking policy. It's fact. I've read all of these complaints, and that is all the case for all the terminations ~ breaking policy and doing things unmoral and unethical. The owners will not stand for any of that nonsense in their company. I know them, and they are the most ethical and caring individuals I have ever worked for. It's unfortunate that when someone who has broken policy or done something wrong, that they cannot admit what they've done and instead they write only "part of the story - the part that will make them look good, and the company bad".

I hope that those that are in Ameriplan, continue their love and support for the business and not to let the negative people "steal" from them by getting you discouraged. As in everything, there are always jealous or negative people that try to ruin it for everyone. For those that are thinking about using their services or becoming an IBO, I encourage you to. God has blessed me with Ameriplan, and I hope that you will be blessed to.
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#33 Consumer Comment

AmeriPlan USA Broker

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

I have been with AmeriPlan for the past year and a half and haven't had a problem.. There mission is clearly stated and set forth. I have never made any cold calling to anyone who hasn't asked or requested their product. One person misfortune can never be the real meaning. AmeriPlan is a great company and stands by what it states.

I have never run up a phone bill (unlimited long distance, is the answer and a smart one), Brad you was mislead for some reason or another. Yes, there are fees associated with being a broker, the same fee's anyone would have paid to run a small business. I have brought non expensive leads and never spent over $50.00. You have to research and delegate accordingly. There will always be a risk factor; in any chance one assume's to take.

Ameriplan without a doubt has a terrific foundation for success and a recommended success strategy for every broker. It should be followed with smarts not taking the word of someone you do not know. An intelligent desicion is made by research and trial.

AmeriPlan is an outstanding company delivering on the needs of those who can not afford Healthcare.
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#34 UPDATE Employee

AmeriPlanUSA Rebuttal to Brad in Wylie, TX.

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

I am a Senior Executive Sales Director for AmeriPlanUSA and I'm writing this rebuttal to the Rip-off report filed by Brad in Wylie, TX.

Brad, you were terminated for trying to recruit other AmeriPlan brokers into another (Health Related) business endeavor. Regardless if this was another MLM company or not, AmeriPlan wants to maintain the integrity of it's Direct Selling status.

You could have started that other business, but you should not have tried to recruit other AmeriPlan Brokers.

One of the biggest reasons most people are not successful in Network Marketing is they want instant results and jump ship (like you did Brad) to the next opportunity that sounds like "Get Rich Quick". AmeriPlan frowns on this practice because they want all of us to focus on our AmeriPlan businesses to become successful. This is what sets AmeriPlanUSA apart from all the other typical "Pie in the Sky" companies. AmeriPlan is not "Get Rich Quick"!

I'm very experienced with Network Marketing and had poor results with Amway and Herbalife in the 90's. I swore up and down I would never do another MLM opportunity again. Well, the AmeriPlan opportunity came to me Nov. 2001 when I was looking for a new career.

I was not crazy about the thought of getting into another MLM company, but I noticed a BIG difference with AmeriPlanUSA. This company does not market the boring, expensive, and typical "Pills, Potions, or Lotions".

AmeriPlan offers very affordable discounts on health benefits. As a single dad, my teenage daughter is getting major dental work done, and with AmeriPlan saving us close to $3,000. Traditional Insurance would not allow her any coverage for 1 year because of this being a pre-existing condition! My daughter needed relief NOW, not 1 year from now. So that said, you can see I believe in our benefits we offer consumers.

Therefore, AmeriPlanUSA has a respectable retention rate that has allowed me to build a respectable residual/passive $30k+ yearly income. I will admit I'm not making the $100k year income promoted, But this is more because I have not put forth the extra effort that many other folks have. Believe me, you reep the fruits of your labor. Anyone making over $100k year in residual income has earned it! I do not blame my upline, downline, or AmeriPlan policies as the reason.

For example Brad, ...your upline NSD Roger & Tracy Kaman make over $200k/year in residual passive income. I know Roger & Tracy personally, and I've never met a finer more caring couple in this business. They will give you the shirts off their backs to help anyone become successful in this business. They've helped me and I'm not even in their organization. So they don't make a dime helping others crossline to them, but that's just how awesome they are! I admit I do not know your sponsor John Nordstrom, but if you were not satisfied with his help you should've went upline to Roger & Tracy.

My questions to you Brad, is ...How many times did you call Roger & Tracy for training? How many trainings did you attend? How many training calls (Live & Recorded) did you listen in on?
How many times when you needed information, did you go to our training websites and/or call corporate broker support. How many times did you contact your Divisional Sales Manager if you needed more information?

This company offers so much free training for anyone, that the only reason someone does not become successful with AmeriPlan is because of poor business practices, and/or a negative attitude. And this is why I'm writing this rebuttal. I'm sick of the few losers giving this FINE company a black eye! It's a business and has to be run as a business to be successful.

And, to prove too you that this is by far the BEST opportunity to be successful in a Home Based Business, just look at the back grounds of success in my own organization.

The month I started my AmeriPlan Business (Dec. 2001), my wife of 11 years divorced me and moved 3,000 miles away, my teenage daughter chose to live with me so I became a single dad, and the company I devoted 12 years of my life too fired me due to poor production (due to the devastating divorce). So Brad, you think life dealt you a bad hand?

How about one of my frontline Executive Sales Directors. She was a career waitress and was not the ideal prospect for a business partner to be sure. But she made a decision to change her life! And today she is the BEST trainer in my organization, and is on her way to financial freedom.

I can give you more examples, but the bottom line is this. The reason we're building successful AmeriPlan businesses is our possitve attitude to help others become successful that "ASK" for our help to train them!

Oh, and one more thing. Brad made reference to the "expensive" leads you have to buy from AmeriPlan. UNTRUE! No broker is required to buy any leads from AmeriPlan. AmeriPlan does offer leads at a $10 per premium. These are the most expensive leads I have "voluntarily" purchased. However, these $10 leads are the BEST quality leads I've purchased yet. And the only leads that have paid for them selves! I've bought a lot of other "so-called" inexpensive leads that I was not able to turn into enough sales to cover their cost. So which leads were really the most expensive?

GO AMERIPLANUSA!!!
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#35 UPDATE Employee

Who to blame the Failure on?

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

After reading the negative comments written about AmeriPlan, I felt in the need to respond.

AmeriPlan has been such an awesome opportunity for me and my family and if there is failure, well I honestly think it is on the individual and not on the company itself.

I say this because my husband and I were once the "failure" on this business. Years ago we became brokers, and we had no success what so ever! I never saw no money coming. At that time, the only good thing we got out of AmeriPlan was that we found ourselves saving lots of money on dental and vision services.

About two years ago, while we found ourselves in deep financial hardship I began looking at ways to earn money from home. My husband worked outside the home and I was a stay at home mom.

As more and more home based opportunities just got us more and more deeper in debt, I had almost decided to give up completely. Then AmeriPlan came to mind once again. Although we had not had success years back, I knew that these services were awesome and that it is something worthy of people's attention. I noted down what we did wrong and decided to give it another shot.

Now...almost two years later, we must say we are doing pretty good. We are not millionaires yet lol...but we earn enough from AmeriPlan each month to at least cover about 70% of our monthly bills.

There may be a lot of negativity in regards to the conventions and the uplines and all that...but one thing I have found is that, since this is your own business, then it should be run the way you see fit... always keeping in mind the company's policy of course.

I don't attend meetings or conventions, but I enjoy the conference calls very much. Nobody obligates me to purchase nothing, I decide what I need or what I don't need. I decide how to approach people. I don't allow anybody... not even my upline to pressure me into selling. I appreciate the advice but I see that doing it at my own pace has proven to be more rewarding.

This all shows that people are different. Some people need the support and training and others don't. But anyone can really do it if you just set your mind to it and just focus on one day at a time, and make smart choices in regards to business expenses and such. As for my husband and I, that is what has helped us. We don't have our minds set on that huge dream of being millionaires and owning expensive homes and cars. We found that it just brings more desperation which in return gives us more stress, making it hard to sleep at night. We just take it one day at a time, and whatever comes, comes.

As for the monthly broker fee of $35, it has never been a bad issue. Hey you get to use the benefits and have the power of earning money for just $35!!?!? Wow I call that a real deal!!
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#36 UPDATE Employee

Negativity brought on by oneself...

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

I am not an AmeriPlan(R) employee, I am an AmeriPlan(R) IBO-Independent Business Owner. In response to Brad's sadly negative commentary I have to say he must have been at a completely different convention this year because everything he stated about what happended there is wrong. He is not telling the truth. I was there.

Perhaps he is trying to take out his anger on AmeriPlan(R) because he in fact was involved in wrong doing against the company.

He talks about how AmeriPlan(R) tells you you are part of the family, well I don't know about other families, but if I hurt or cause damage to another member of my family there are repercussions. Just because they are familiy doesn't mean you can take advantage of or mistreat them. That's plain common sense.

This is a business and if one gets involved in business they must be responsible. You don't think your boss at a regular 9-5 job wouldn't fire you if you were causing negativity for the company name and/or people? Of course he would.

As for John not telling Brad the truth, well that just shows how John runs his business. When Brad got started with AmeriPlan(R) he should have been responsible enough to find out the truths about the company and not just depend on someone he may well have never met. My goodness, I made the effort to meet my sponsor and have personally spoken with one of the Bloom brothers.

You can't start siting the company's rules and regulations AFTER you have been irresponsible.
Do you sign legal documents without reading them? Common sense says NO, but I know many people who have done this very thing and then found themselves in negative situations.

America is sadly falling by the wayside as the lazy people here don't want to be held accountable for the fine print they just didn't want to read. Instead of going the extra mile for themselves in the beginning they try to defend themselves with excuses and pointed fingers after the facts come out.

Had I found that my sponsor lied to me I would have informed AmeriPlan(R) and asked what my options were about possible getting on an ethical team or group.

Brad, you seem like you truly wanted to get somewhere and thought AmeriPlan(R) would be your vehicle for doing that. In all your research on AmeriPlan(R) did you ever thnk to stop and do research on John?
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