AmeriPlan USA, established in 1992, offers health benefit plans as an alternative to traditional health insurance, aiming to make healthcare more affordable for individuals and families. Their services encompass a range of discounted healthcare options, including dental, vision, prescription drugs, hearing, and telehealth services. The company provides several plans tailored to different needs:
- AmeriPlan Dental Plus: At $19.95 per month, this plan offers savings on dental, vision, prescription drugs, hearing, and telehealth services.
- AmeriPlan Deluxe Plus: Priced at $39.95 per month, it includes all the benefits of the Dental Plus plan, with added hospital benefits, ancillary medical services, and chiropractic care.
- Telehealth Plus: For $9.95 per month, members receive access to telehealth services and prescription drug discounts.
These plans are designed to provide immediate savings, with a focus on accessibility and affordability.
Pros of Becoming a Member:
- Cost Savings: Many members have reported significant savings on medical expenses. For instance, one member shared, "My 12-year-old has asthma... today the doctor had to call in a prescription. Price was $661.73. Using our AP Rx card, it was only $58.05. I love this company and the savings." ameriplanusa.com
- Convenience: The telehealth service allows members to consult with U.S. board-certified doctors by phone, reducing the need for in-person visits. A member noted, "I love AmeriPlan's Telehealth Service! Within 1 hour I spoke to the doctor over the phone, got diagnosed, and he called in a script to my pharmacy." ameriplanusa.com
- Comprehensive Coverage: Plans cover a wide range of services, including dental, vision, prescription drugs, and more, providing holistic healthcare support.
Cons of Becoming a Member:
- Not Insurance: It's important to note that AmeriPlan is not traditional health insurance but a discount program. This means it may not cover all medical expenses, and some services might still be costly.
- Provider Participation: Discounts are only applicable with participating providers. In areas with limited participating providers, members might not experience the full range of benefits.
- Variable Savings: The extent of savings can vary depending on the service and location. Some members might find that certain services offer minimal discounts.
In summary, AmeriPlan USA offers a viable option for individuals and families seeking to reduce their healthcare expenses through discounted services. Potential members should assess their specific healthcare needs and verify the availability of participating providers in their area to determine if AmeriPlan aligns with their expectations.