AmeriPlan Review: Can You Really Earn From This MLM Business?

AmeriPlan Review

AmeriPlan is a multi-level marketing company that allows its customers to save money on health services. The company doesn’t sell insurance, but it sells monthly subscription based savings plans.

The names of the plans are AmeriPlan Dental Plus, AmeriPlan MED Plus and AmeriPlan Deluxe Plus. Different plans have different benefits with some common benefits as well. The best plan is the Deluxe Plus, which is a combo of the other two plans.

I can see the appeal of the products as health services are expensive and many people would prefer to save some money. By the way, this company was founded in the year 1992 by Dennis and Daniel Bloom.

In this review, I will take a closer look at this company and try to determine whether this is a scam or not. This is based on my honest research about it. I recommend that you read the entire review before thinking about joining this company.


Product Overview

Company Name: AmeriPlan

Price to Join: $25

My Rating: 6.8 out of 10.0


How Does AmeriPlan Work?

It looks like that the compensation plan of AmeriPlan has changed over the years. I found their compensation plan for the year 2005 online, but it doesn’t seem consistent with all the information on their official website. 

Here are some of the ways of earning money through the compensation plan of AmeriPlan.


They pay 40% monthly residual commission on all of your personal sales. Since the amount of plans have to be paid monthly, you can earn each month if your customer chooses to pay for his or her plan. It is not clear if you can earn up to 40% residual commission or it is paid from the beginning.

Unfortunately, the website provides very limited information about it.

You can earn passive income because most customers who like the products will continue to pay for them over the years. It can’t be denied that not many multi-level marketing companies give the opportunity to earn a passive income by just making one sale.

The good reputation of the company will also help you in making a sale.


These overrides are paid on the basis of your team. You will earn 5% on your first IBO sales group and 10% on your second IBO sales group.

The meaning of IBO is not clear, but I think that it stands for independent business owner. All you need to do to earn from your IBO sales group is to have 100 qualifying points. 

The company also pays based on your generations. A generation includes the entire team of consultants in your downline. You will earn 15% on first generation, 10% on second generation, 5% on third generation, 3% on fourth generation, and 1% on fifth generation and below.

Initially, you will earn only on your first generation by meeting the qualifications, but you will start earning on more generations by meeting more qualifications. The qualifications depend a lot on your team when it comes to team related bonuses.

There are other ways of earning money through the compensation plan of this company. You can earn trips and car bonuses by being one of the best consultants. It can be really profitable especially if your team supports you.


How Much Does It Cost to Join?

You can join in AmeriPlan for as low as $24.95 annual fee. This is not a big amount and most people can easily afford to join this company. There are other options for joining and their names and prices are mentioned below.

Deluxe Plus Membership: $94.90

MED Plus Membership: $69.90

Dental Plus Membership: $69.90

Jump Start Pack And Dental Plus Membership: $269.95

If you have the money, then the last package is the most beneficial. It allows you to earn many bonuses right from the beginning.


How Much Can I Earn?

This is a multi-level marketing company so the failure rate is going to be really high. More than 95% people fail in multi-level marketing companies so your expectations should be realistic. I think that this company will not be different from other MLM companies except for the fact that you can earn a passive income by having a few loyal customers. 

It is not going to be easy to find customers, but once you find them it will not be difficult to earn through them. Depending on the number of active customers ,you can earn a few hundred dollars to one thousand dollars or more per month. Team building is going to be really hard and you would surely struggle a lot with it.

So you may earn a part-time income by building a loyal base of customers, but a full-time income is not something that many people will achieve.


Are there Any Complaints?

Yes, and I have listed some of the major concerns below.

A good product, but very few people are interested in it.

The pay is too low.


Bottom Line

In my opinion, AmeriPlan is not a scam. They still offer some helpful ways on how you can start your own business at home.

On the other hand, they still have some rooms for improvement. Giving a more accurate and easy to understand compensation plan is crucial for you to understand the business.

Nevertheless, I still leave the final decision in your hands. Good luck and choose wisely.


  • Teaches entrepreneurial skills
  • Affordable Starting Cost
  • Work at Home Business


  • Climb the ranks to earn more
  • Building a team can be overwhelming


I know that you want to join in AmeriPlan because you want to have a new source of income. I also feel that you already discovered the earning potential of having your own business.

But let me tell you that this type of business is not that easy. You have to have great selling and recruiting skills in order to earn the most from the compensation plan. Plus you have to be patient because success doesn’t come overnight.

On the other hand, if you are still looking for a new and alternative source of income, then you can also take a look into my personal favorite choice. My best suggestion would be through making your own online business with a support from community. Basically it is a modern way of making money. What I like about it is that it doesn’t require any selling or recruiting.

Right now, I am on my second year in this type of business and I am already enjoying the fruits and results of my labor. So, I want to share my success with you.

Check Out My Review on the #1 Recommended Work at Home Opportunity.

If you have more questions and concerns about the AmeriPlan, feel free to comment it below and I would be glad to interact with you.

Please let me hear your experiences and personal concerns on the comments below!

Best Regards,

John Rico

AmeriPlan review

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