Is Ameriplan a Pyramid Scheme? – Scam or Legit? [The Untold Truth Revealed]

Hello, again, and welcome to my other post! Today, I want to talk about Ameriplan which has positioned itself as the largest network of dental and healthcare providers, and since its inception in 1992, has saved its members families more than $1 000 000 000. They even have developed a business plan anyone out there could benefit from. If you have landed on this post, wondering is it a good opportunity for you to make money, or Is Ameriplan a Pyramid Scheme?

Let me tell you that you have come to the right place, my friend! In this honest and unbiased Ameriplan review, I’ve gathered all the information you need to know in order to make a proper decision for yourself.

So, without wasting any more time, let’s dive into the facts right now together!

Ameriplan OverviewIs Ameriplan a Pyramid Scheme? - The Logo

Full Name: Ameriplan Corporation

Type: MLM Business Opportunity


Founders: Dennis and Daniel Bloom

Year of Establishment: 1992

Price to Join: $49.95-$199.95

Recommended? No

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What is Ameriplan?

Ameriplan Corporation is a multi-level marketing company that aims to provide high quality and affordable medical care, dental care, prescription drugs, vision, and chiropractic care to the average American family.

According to the Better Business Bureau, this is a multi-location business, with its main headquarters in Plano, Texas, USA. Since 2012, Ameriplan Corporation has been a member of the U.S. Chamber of Commerce.

Basically, Ameriplan is a medical discount card provider that allegedly has partnered with dentists and chiropractors, to offer discounts for the costs of services.

In other words, Ameriplan is what is known as a DMPO which stands for Discounted Medical Plans Organization, and doesn’t represent health insurance. 

Who is the Founder?Is Ameriplan a Pyramid Scheme? - The Founders

Ameriplan Corporation was founded in 1992 by completely identical twin brothers Dennis and Daniel Bloom.

Within the company, Dennis Bloom is the President and Chief Operating Officer, and Daniel Bloom is a Director of Ameriplan.

Back in 1992, the brothers saw the need in the market for discounted dental plans, which was the service they were the first to offer in the United States.

If you’d like to know more about the founders of Ameriplan, meet them in this Youtube video below:



What is Ameriplan’s Financial Situation?

If you was reading my blog for a while, you may have noticed that I like to include in my reviews the information about the financial situation of the companies I’m reviewing.

Perhaps, this information will not tell you a lot in terms of whether it’s the best business opportunity for you or not but still, I believe it’s good to know where the company is going in terms of overall finances and revenue.

That’s because I’m sure you wouldn’t want to join a company that registers negative financial indicators, right?

So, with regards to the Ameriplan company, it seems that they have entered into the sleeping mode so to speak. According to, in the last 5 years, Ameriplan’s revenue wasn’t growing at all.


Is Ameriplan a Pyramid Scheme? - Financial Situation


The good news is that it, at least, it wasn’t decreasing and this is not the worst financial situation I’ve seen since I’m reviewing MLM business opportunities.

The worst I’ve seen was at Zija International MLM.

What Are Ameriplan Products?

If you become a sales representative for Ameriplan, you’re expected to sell Ameriplan products.

But Ameriplan is not a typical MLM where you’re selling some sort of physical products.

Instead, what you’re going to be selling here are memberships or plans for medical care services.

Among these are as follows:

AmeriPlan Dental Plus

This is Ameriplan’s flagship membership which costs $19.95 per month for the entire family. It includes savings on dental, vision, prescription, hearing, and chiropractic services.

Telemedicine Plus

This membership was designed for people who don’t want to spend time on traditional doctor visits.

Telemedicine Plus membership includes Telemedicine (24/7 Access to U.S. board-certified doctors and pediatricians by phone or email), prescription drugs, and ancillary services (includes MRI, CT Scans, Blood work, and more).

This membership is also $19.95 for your entire family.


Is Ameriplan a Pyramid Scheme? - Telemedicine Plus


AmeriPlan Deluxe Plus

AmeriPlan Deluxe Plus membership includes the Dental Plus discount program, Telemedicine Plus discount program, and some extra non-medical discounts like hospital advocacy and ancillary care. The cost of this membership is $39.95.

It’s important to mention though that Ameriplan’s memberships aren’t insurance and doesn’t replace it:


Is Ameriplan a Pyramid Scheme? - Not an Insurance Plan!

Are Ameriplan Memberships Worth Their Price?

I believe if any MLM company out there would offer a completely unique and high-quality product that couldn’t be found elsewhere other than at MLM, it could see great success.

The pricing at Ameriplan is quite affordable but I want to reiterate here that these plans don’t represent medical insurance and don’t replace it.

Once a person gets one of these memberships, he/she then could benefit from some discounts for medical services meaning he/she should still pay for them, apart from what he/she has paid for the Ameriplam membership.

From the complaints I’ve read about Ameriplan on some trustful online sources, it’s marketed like insurance, and people got confused and, as a result, dissatisfied.

Here’s a screenshot of just one dissatisfied customer:


Is Ameriplan a Pyramid Scheme? - Marketed as Medical Insurance While It's Not


I’m not living in America so I’m not aware exactly how much does medical insurance costs there but I’ve heard that’s not cheap.

So maybe Ameriplan customers should be cautious before believing Ameriplan representatives who are making such misleading claims.

Anyway, it’s good to know that such instances are taking place and, attention! If you decide to become an Ameriplan business representative, chances are that you’ll be associated with people and company that’s letting its reps to mislead people.

Another thing worth mentioning here is that already existent Ameriplan customers who have decided to cancel their memberships are continuing to be billed by the company months and even years ahead.


Is Ameriplan a Pyramid Scheme? - Continue to Charge Bank Account


People are saying that they have called and emailed the company multiple times trying to cancel their memberships, while Ameriplan says it has no records of such emails and phone calls.

I’m not sure who is tricking here but for you, as an Ameriplan business representative, I believe it’ll be difficult to convince your customers that that’s not the Ameriplan’s fault.

How Much Does it Cost to Join Ameriplan?

In order to become an Ameriplan benefits consultant (ABC), an individual must pay an initial registration fee ($30, applies with your second year) and purchase one of the memberships plans.

There are several options you can choose from, according to


Is Ameriplan a Pyramid Scheme? - Membership Options


Whatever plan you get to choose, please note that these are MONTHLY payments for you to make.

But there is also good news: once you sell 4 memberships the monthly fee is waived for you and you get it for free.

I don’t know about you but it doesn’t sit well for me to having to pay a company for the right to be able to promote their products or services.

You don’t even know if selling these services will work for you and before even making any money, you first need to spend some money (sometimes, some good money) out of your pocket.

Did you know that in affiliate marketing, you don’t need to pay anyone beforehand, or, better say, at all? Let me know in the comments!

Anyway, the start-up costs are quite affordable at Ameriplan, and I’ve seen other MLMs that charge way, way too much money (like Matilda Jane MLM, or Royal Prestige MLM).

How to Make Money With Ameriplan?

So, Ameriplan is an MLM, therefore, there is a Compensation Plan that determines your commissions.

This is a business opportunity, so there is no hourly pay here. You earn money when you sell Ameriplan memberships, and when you sign up new people under you (your downline) who wish to become Ameriplan business representatives.

When you sell whatever Ameriplan membership, your cut is 40%.

You are supposed to make money when you recruit new Ameriplan business reps. Recruiting is a common thing found in all MLMs out there.

The focus on recruiting is put more in one MLMs, and less in the others but it’s always there.  

With regard to Ameriplan, it seems that they expect you to recruit a lot. I believe this is how MLMs grow and basically, make money off of their members. 


Is Ameriplan a Pyramid Scheme? - Focus on Recruitment

Does Ameriplan Allow You to Use the Internet to Build Your Business?

The ability to run a business through the internet has become really the most important one with the rapid development of information technology and people spending more and more time online. 

Now, I’ve got bad and good news for you. The bad news is that with your Ameriplan membership, you don’t get a website to promote your Ameriplan business.

The good news is that Ameriplan uses a Prospecting and Marketing System called Focal Point. This is the same system used by some of the other MLM companies like doTERRA, Youngevity, Herbalife, Jeunesse). 

With this system, they’re offering a custom design website for each client. Of course, this is not for free. I’m not sure how much they charge for their services but I assume these aren’t cheap.

If you bear with me till the end, I’ll show you where you can get a free website (hosting included).

Is Ameriplan Legitimate?

Because of their business model, MLMs often are confused with a pyramid scheme. So, is Ameriplan a pyramid scheme or a legitimate company?

In my opinion, Ameriplan is not a pyramid scheme, as long as they are offering a real service people need. 

Can You Make Money With Ameriplan and How Much?

Honestly, I personally believe that you can make money off of anything you enjoy doing and have a strong belief in (the product or service you’re selling).

With regard to Ameriplan, taking into consideration that they are offering discounts on medical services, they are targeting mostly uninsured or underinsured people who represent just below 27 million Americans in 2016.

That’s not a lot, I believe, in relation to the whole population of the United States.

Still, the potential for making money is there just it’s not that huge. The problem is that Ameriplan, unfortunately, doesn’t provide us with an Income Disclosure Statement.

This is an official document that shows how much money, current Ameriplan business representatives are making, on average, and on each level.

Without such a document, there’s no way for you and me to find out what’s the real earning potential here.

I wonder if this business opportunity is that great, why they are not completely honest and transparent with us? 

Maybe the reality is not that shiny? 

Given the fact that there’s no Income Disclosure Statement provided by Ameriplan, we can relate to general industry numbers saying that less than 1% are making money in an MLM, while the rest are making insignificant numbers and worse, losing money. 

The Good and The Bad


#1. Win-Win Offer

Ameriplan is a middleman between people who need medical services and medical service providers.

So, when you refer someone to Ameriplan, you’re not only helping people to get better prices for doctor visits but also, you get more customers for dentists and other health care specialists. 

#2. Established Company

Ameriplan has almost 30 years in business. Given the fact that the majority of the start-ups don’t survive in their first 5 years of operation, I can say that Ameriplan is a pretty much-established company.

I’m confused though why in so many years Ameriplan didn’t manage to obtain a BBB accreditation?


Is Ameriplan a Pyramid Scheme? - Not BBB Accredited


#3. Possibility to Work on Your Own Terms

Ameriplan is a business opportunity where you decide your work schedule and location. You are your own boss 🙂 

Although Ameriplan seems to accept anyone please note that this business is in an industry that may require professional licensing, bonding, or registration.

If you decide that Ameriplan is the best business opportunity for you and you want to proceed with it, it’s best to check with the appropriate agency to be certain any requirements are currently being met.


#1. Charges Back

According to the Ameriplan’s Compensation Plan, if a person cancels his/her membership (stops paying for it), the remaining balance due is charged back to your earnings in equal parts.

While this is normal practice when people get dissatisfied with a product or service, it means that you’ll be losing commissions and your hard work will be simply in vain. 

#2. Geografical Limitations

Ameriplan works only in the USA, with the exceptions of some of the states, like Alaska, Guam, Montana, North Dakota, Puerto Rico, Rhode Island, South Dakota, Vermont, Washington, Wyoming, US Virgin Islands, Utah.

So no matter how good they want you to believe their business opportunity is, it’s no way an international business targeting people from all around the world. 

#3. No Income Disclosure Statement

There’s no information publicly available as to how much current Ameriplan business reps are making.

While MLMs have an obligation to make this info known, it’s kind of against the law and not really comforting.

#4. Bunch of Lawsuits Against Ameriplan

Lawsuits have already become a common thing in an MLM industry.

Perhaps, only the newly-established MLMs don’t have such records simply due to the fact they are new and didn’t have time to gain a bad reputation but that’s only a matter of time though. 

Unfortunately, Ameriplan didn’t manage to avoid that bad reputation.

There were lots of lawsuits filled by ex-Ameriplan representatives, and according to attorney Stephen Foster, people are complaining that Ameriplan has stopped paying them residual income under the valid contracts. 

My Final Opinion About Ameriplan + A Better Alternative

Based on what I’ve exposed in this Ameriplan review, I can’t recommend it as a good business opportunity.

Yes, maybe there’s an earning potential but we aren’t sure about it. And why diving into something you don’t know what return you’ll get? There’s too much effort to put in, for a little to no return.

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Here you have it, my friend! I hope you’ve enjoyed reading this article, and now, you’ve got your answer to the question: Is Ameriplan a Pyramid Scheme?

As always, I’d love to hear your thoughts or if you have any questions, I’ll be more than happy to answer them. Please leave them in the comments section down below, and I’ll get back to you as soon as I can.

Sending my best wishes to you and until my next post!


Ameriplan MLM






Business Opportunity



  • Established Company
  • Possibility to Work on Your Own Terms
  • Win-Win Offer


  • Charge Backs
  • Bunch of Lawsuits Against Ameriplan
  • No Income Disclosure Statement

11 thoughts on “Is Ameriplan a Pyramid Scheme? – Scam or Legit? [The Untold Truth Revealed]”

  1. Thanks, Natalie for a very thorough review of Ameriplan!

    I’m just not an MLM fan. But like with any business, if you hustle hard, you’ll make money.

    When you stated No in the very beginning if you would recommend it or not…I still read your whole post to understand why. I’m from Guam and it doesn’t apply here so there goes that.

    And you’re right, no income disclosure statement is a big red flag for me.

    • Hi, Dana,

      Thank you for dropping by. I am not a fan of MLM either but I’m always trying to be unbiased and state positive, as well as negative sides.

      I want people to make their own decisions and chose what resonates best with them.



  2. Hey,

    This is a really informative review of Ameriplan.

    I had never heard of Ameriplan before I came across this review on your site, and I must say when I read MLM, a compensation plan or pyramid it brings back terrible memories for me.

    I joined MOBE in 2015 and they were an MLM company that had a compensation plan so that you kept paying more to go to the next level.

    I nearly broke myself when I was part of MOBE and I got out at the right time. So, from then on I decided that MLM is always a scam.

    I know you think Ameriplan could be good, and you are probably right. But, for me and I know a lot of other people will see MLM and runaway.

    You have given a very comprehensive review and there will be lots of people who will join Ameriplan because of you. So keep up the great work.

    All the best,


    • Hi, Tom,

      Thank you for your comment.

      I’m so sorry you’ve been through such a negative experience with MOBE.

      I was also looking into Digital Altitude at some point, as well as 4 Percent system but thanks God, I hesitated to invest a lot of money.

      I want to reiterate here that I don’t recommend Ameriplan as a good business opportunity, as well as any other MLM.

      I am not a fan of this business model and I think that’s extremely difficult to make money with them.


  3. This is an extensive piece of writing, although the font size is a bit too big – I would scale it down by about 25% if I was you.

    I must admit that I feel somewhat uneasy about medical insurance plans being sold in this way, but as I’m from the UK, this area is not something that I understand much at all about to be totally honest with you.

  4. This is a very informative review.

    I’ve been thinking about Ameriplan, but I’m very suspicious about all MLM companies.

    I’m so glad I read this review. Thank you!

  5. Well, in my opinion, any membership offering a discount (whether it is or isn’t an MLM model) can be valuable only as much as you actually DO save with it.

    However, all companies working with discounts that I’ve met so far, do not state the exact places, nor the exact terms where you can utilize your discount.

    This is because they usually get the services to agree to give discounts telling them it will bring more customers, and very often even charge them for that opportunity.

    Trying to stay in balance, services draw a line when and how the discounts apply, but you, as a member, usually find it out only when you try to use the discount.

    Somehow it does not turn out so profitable anymore, for neither of the parties, except, of course, the one that collects the membership, as it is payable whether you saved something or not.

    Their service is called “membership” and you were provided with one.

    Well written review!


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