Anyone ever hear of AmeriPlan??

Question

What are your experiences? Do you use their services or work for them??

Answer 1

Read my article and then steer clear...

http://insurancepickle.com/health-insura...

You don't want to buy it because you could be creating a financial disaster.  And you don't want to sell it because you'll be creating problems for others.

To sell these plans you don't need a license since they're not insurance.  Therefore those that sell it have little to no concept of how insurance works.

Check with your doctor to see how much they charge with and without it, because if you're only talking about doctor's visits we wouldn't need to talk about insurance.  Bottom line is if you end up in the hospital and the negotiated bill is $100,000 you'd OWE $100,000.

I talked to someone yesterday and a health insurance plan with a $0 deductible was only $10/month more than the discount plan and a $2500 deductible was $10 less.  Keep in mind when they say "No Deductibles!!!" that's due to the fact that you PAY FOR EVERYTHING.  With a deductible the insurance company starts paying after you meet the deductible.  But, with a discount plan you always pay, so there is no deductible.  But, somehow they put a spin on that and make 'no deductible' sound like a good thing.

Hope that helps.

Answer 2

AmeriPlan's great!

Find out all you need to know about AmeriPlan Benefits at http://www.TheDentalPlanMan.com.

Answer 3

Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed nor insured. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn’t find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/wes... for more information. Many other states are starting to ban these cards as well.

"having a knowledgeable rep" doesn't matter because with this plan once the plan is sold the rep is out of the picture.

Answer 4

yeah, I have had them for 5 years and it has truly benefited me. The key is  having a knowledgeable rep. Mine is great, her site is www.healthsavings.ourperfectcard.com

hope this helps.

Answer 5

I have heard of them. I considered working for them but they charge you for your work supplies. And you are selling a cupon card that is not as widely accepted as they claim. Call your local hospitials and doctor offices and see who accepts it and what it actually pays for. You may be surprised.

Answer 6

Sure.  It's a list.  They call it a health discount plan, which means, they are selling you a LIST.  They don't PAY anything.  It's not insurance.  And it's not regulated, which means, they can lie to you.

Check with your doctor first, and ask them how much a visit costs you WITH AmeriPlan, and how much without.  

Answer 7

I'am a Ameriplan Representative.  I absolutely love it.  I use the services on a normal basis.  If you have any questions...feel free to send me a message or im.  Anyway, have a great day and take care!  Also the guy that answered after me...doesn't know all what he is talking about...Ameriplan isn't insurance so we have nothing to do with insurance we just save people money!

Answer 8

As is expected, there are some who will love what Ameriplan has to offer and there will be those who despise of it.

I am part of the side that is all for Ameriplan.

And just to touch base on a couple of the previous answers that were made...

1. It's true, Ameriplan is not Insurance, nor do we claim to be or even choose to. Insurance in itself has it's own pros and cons. It's a great thing to have and I would never tell anyone who can afford insurance or is eligible for coverage that Ameriplan would be a better option, they should have the insurance first and if needed this on the side. But on the other side of Insurance, it doesn't always do what we would hope it would.

What is someone to do who has been denied coverage and has no other options available to them? If your denied because of a pre-existing condition then there is no way for you to get Insurance, that is unless you are able to find an employer that offers health benefits and either you or your spouse can get a job there, other than that what are they to do?

And how about if a person is making just enough money to not qualify for state offered plans, such as Medicaid. And yet they don't make enough money to be able to even afford their monthly premiums for insurance, even through an employer?

One more... even for many who are covered by an Insurance plan, that doesn't mean that they have any sort of Dental, Vision. Chiropractic, etc. that is included. And Dental insurance tends to have many, many limits as to what is covered and how much is allowed each year.

Also, as for not having an idea as to how insurance works since it's not insurance and we don't have to be licensed to market the plans.... I personally have 2 Insurance Agents that are part of my team and I work with on a daily basis. They continue to do Insurance, but also use Ameriplan as an additional option for those clients who need it. Instead of throwing away a lead simply because they have been denied coverage and there is no way they can help them, they can't change the rules, those are the people who need what Ameriplan has to offer more than anyone else.

I did all but take the state exam to be a licensed Health & Life agent, and if I wanted to do so I could. So I may not be licensed, but I do know about Insurance and how it works.  

Moving On...

2. That all it is, is a List?? Yes there are many discount type plans similar to what Ameriplan offers, and those companies often do purchase a list or rent a list of providers from a list broker, which means they have no idea who is actually accepting the plan or what sort of office they run either. But Ameriplan is completely Proprietary with the Dental side, and getting close to being completely Proprietary with the Medical as well. What this means is that Ameriplan actually contracts the Providers themselves. They actually have Provider Reps who go speak with those Dentist and Doctors, explain our plan and how it works, and if they would like to become part of our group, they go through the entire process to do so.

And it's no big secret as to who is or is not a participating provider. You can do a search of providers in any given area by clicking on "Locate a Provider" right on the website.

http://providersearch.ameriplanusa.com

3. The Montana issue... Yes there was an issue with Montana, all due to a not so honest IBO (Independent Business Owner) that was with Ameriplan, who was signing up members for the plan regardless of whether or not there were any providers near them or if they were 4 hours away. Ameriplan did in fact handle the issue. Ameriplan has our backs covered in regards to the legal side of things, that's why we have rules & regulations that we are to follow. But with 60,000 IBO's there is no way they can watch over each and everyone of them to make sure that they are doing what they should. It takes a bit of common sense and overall honest person to know that this should never happen. If we can't help someone, like there are no providers in their area, or for whatever reason, then we don't enroll them. It's that simple.

I could go on and on and rather than do that here as this is long enough already. All I want to say is do your research. Find out for yourself whether or not Ameriplan is what it is. I had to do so myself in order to truly be able to offer this to people, I had to know for certain that it would in fact benefit them and it wasn't a waste of time or money for anyone.

Good Luck!