The Work at Home Gazette - Ameriplan - Make a Living at Home - Establish Your Own Business

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March 14, 2009

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AmeriPlan®

Sales Reps (IBOs) and Recruiters/Trainers

AmeriPlan is a "discount medical plan organization," and offers a discounted fee-for-services program. This plan is not health insurance but provides savings on dental care, chiropractic care, prescriptions and optical services. Sold by independent sales reps, AmeriPlan is usually marketed as a supplement to health insurance, and the company has been in business 15 years. It is a member of the U.S. Chamber of Commerce, and companies including Wal-Mart, Sears and Pearle Vision accept the AmeriPlan discount plan. In today's economy, when losing a job also can also mean losing health insurance, this discount health plan is a hedge against a health calamity.

There are two ways to earn income with AmeriPlan. One is to sign up as an independent representative (actually called a Independent Business Owner or IBO) and sell the plan to anyone seeking supplemental health care coverage (or to people that do not have any health insurance). The plan sells for $14.95 - $59.95 per month (plus a registration fee) for the entire household, and as an IBO you earn 30% of the membership payment every time your sign up makes his or her monthly payment. So if you sign-up one member today, then you will make $5.99 this month and $5.99 and every month your new member is active (six month advance payment is also possible). This can lead to ongoing residual income, but there is a start-up fee of $95 (a business kit for $25, a $20 registration fee and a $50 service fee), plus $50 per month to maintain your broker's license. Training takes place online and over the phone.

The second way to earn at home income with AmeriPlan is to sign up as a recruiter/training specialist for the company and recruit people (IBOs) to sell the AmeriPlan discount program to families, individuals, et cetera. This involves marketing the AmeriPlan business opportunity, and you are trained how to interview and answer questions from people interested in becoming an IBO. If you recruit an IBO, then you earn $15 every month that they remain active, or you can choose the advance payment option and immediately receive $90 per recruit and then receive $15 per month after the sixth month that they are active. The start-up cost to become a trainer is $495, which includes 5 months of your IBO fees ($250) paid upfront.

Both of these jobs are flexible, and there is a lot of potential to earn extra income, but both require some marketing and sales skills to be successful. And remember that $50 is charged each month you are an IBO, so you need to make some sales to cover that amount. The company claims that IBOs and trainers do not make cold calls or telemarket, and this seems to be the case; most IBOs and trainers sign up for websites (supplied through the company and included in the fees or available for less than $10 per month) and have people contact them online; these people are already interested in either the discount plan or in becoming an IBO, making selling the plan or business opportunity easier. IBOs and trainers (if you become a trainer you are also automatically an IBO) are independent contractors and receive a 1099 (not a W-2) at the end of the year. One definite perk of AmeriPlan is that it pays daily.

Anyone interested in signing up as an IBO or trainer has to do so through an AmeriPlan trainer, and there are a lot of them. Go to www.google.com and type in "ameriplan" to find dozens of websites through which you can join the company and ask questions.