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WHAT IS THE PRICE OF THE PLAN?
Dental Plus - $19.95
Total health - $39.95
I'VE NEVER HEARD OF AMERIPLAN®
I hear that a lot! AmeriPlan® is definitely one of the best healthcare secrets in America. We've
actually been in business for over 14 years and we're a nationwide company. We're a member of the
US Chamber of Commerce, the Consumer Health Alliance and the American Dental association. Actually,
just a few months back the American Medical Review did a great highlight on our company and our
services.
HOW DO YOU DO IT FOR SO CHEAP? (skeptical person)
Well that's the best part! What our company does is we don't spend millions of dollars in
advertising. All we do is get referrals when we enroll members and therefore, that keeps our
advertising costs down low. Our company is expanding every day and we pass the savings on to you to
keep the prices down, so you'd give some referrals wouldn't you? When you join?
I DON'T LIKE GIVING INFORMATION OUT ON PHONE
I can understand how you feel, I felt the same way, what I learned is that the company actually
has their own bank so all clients are fully protected. Are you able to be on the phone and online
at the same time?
If YES: Great, to make you feel more comfortable, let me give you the website
and I'll let you sign up on your end and I'll just walk you through that process. It only takes a
few minutes. That way you won't have to give out any information over the phone.
If NO: Well I want to make sure you can take full advantage of our services and
discounts and get immediate access to our providers and start saving money right away and in order
to do that, I'll need to finish getting your information to fully process you through over the
phone so we can get your membership kit sent out to you.
I DON'T LIKE DRAFTING ON MY ACCOUNT
(Cust. Name) this type of transaction is the safest and most economical way of doing business
today. Plus, it eliminates the handling of paper work and it keeps your cost down. This is why we
haven't had a rate increase in 7 years and we want to make sure we can always keep the cost to our
members down. This will show up on your statement in capital letters, AMERIPLAN®,USA .
I DON'T HAVE MONEY IN MY ACCOUNTS
That's no problem at all, what we can do is post-date your payment in the computer, so you can
still get your promotional price, and you still get your 3 free plans. Now give yourself one extra
day for the deposit to show, just a moment, let me get my calendar, now, which day works best for
you? (Hold the application - do not enter it in on your web site until the date they give you)
MY CREDIT CARD / CHECKBOOK IS IN MY CAR
No problem, I will hold while you get it, take your time.
I DO NOT HAVE MY CREDIT CARD / CHECKBOOK WITH ME
Oh, that's ok, do you know your account number by chance?
No? when and where can I call you? as long as I have you in the system by 9 tonight I can apply all
of the promotions.
I DON'T MAKE SPUR OF THE MOMENT DECISIONS
I can understand how you must feel. I felt the same way. We actually have a 30 day RISK FREE
GUARANTEE, because we'd rather our members go out and experience the savings for themselves right
away. In your first thirty days, if you don't feel you're receiving the promised savings, you can
cancel your membership and we'll refund your monthly premium immediately. NO QUESTIONS ASKED. Now,
what is your>>&;name? Fill our app. to APP!
I'M AT WORK RIGHT NOW
No problem. The application only takes 1 minute, and I have to get everyone in before 9
tonight.
I WANT TO THINK ABOUT IT
Great, I totally understand. The best way that people really get to understand and think about
how our benefits work and how it saves them money is to just try it out for themselves, have that
first hand experience – instead of just reading or hearing about it. The nice thing is, we'll apply
our 30 day trial period for you - meaning we'll actually let you try it out risk free and let the
savings speak for themselves.
CAN YOU CALL ME BACK LATER?
Ok tell me exactly what phone # I should call and what time, You wouldn't believe how many
people are responding to this promotion, I'm swamped so we're just wanting to make sure we can help
as many people as possible get access to our services and save a lot of money on their health
care.
IS THIS COMPANY/BUSINESS REAL OR LEGITIMATE?
AmeriPlan® has been around for over 14 years and is now the largest dental provider in the
country. With almost two million clients nationwide, we've got to be doing something right. We also
have a spotless record with the Better Business Bureau and are registered with every Attorney
General in all 50 states.
DO YOU TAKE MEDICARE?
We supplement a lot of people who are on Medicare. They save even more money.
I DON'T HAVE A CHECKING, SAVINGS, CC OR DEBIT
CARD.
Option 1: Some banks offer "2nd chance savings accounts" ex. Citi National Bank
Option 2: 1 year sign up with a prepaid card or money order - annual payment gives them 20% off
the next year
Option 3: If they have a friend or family member that can help them out, we can add them as well
to the plan at no extra charge, and cover everyone with all 4 plans.
CAN YOU JUST SEND ME SOME INFORMATION IN THE MAIL?
First, ask them: "do you have access to the internet?" Then direct them to the website and
schedule a follow up.
Mailing info is a no-no. The website offers more comprehensive and detailed information than any
mailed item.
If they argue about that, then say "I'd like to send you something ________, but this is a time
limited special, by the time it got there it would be over. Plus we talk to so many people
nationwide everyday that the cost of the materials, postage, and follow-ups would triple the price
of the plan. However, you are welcome to try our plan with a 30-day risk free guarantee, which is
better because you can ACTUALLY use it and experience the savings for yourself and then the company
would also mail you a membership kit to you in the mail.
CAN I GO TO MY OWN DENTIST?
Absolutely. Once you become a member, if your dentist is not on our provider list, then all you
do is fill out the referral card and then as a valued member, you get to refer your dentist right
into our company and we'll have a professional provider rep contact him/her. If your dentist comes
on board you'll be able to save money with your dentist. If he doesn't come on board to save you
money, are you willing to continue paying 2-3 x too much for the same care? Or are you willing to
go to one of the providers already on our list who will help you?
I DON'T WANT TO CHANGE DENTISTS
All I can tell on my computer is the number of doctors by area. And it looks like in your area
there's thousands of providers and specialists. Either way you have a 30 day risk free trial, and
your membership packet comes with a dentist referral card, or he might even just honor the prices
in your booklet to keep your business since the other providers can. Bottom line is that when most
people learn that, instead of having to pay $900 for a root canal with their dentist who is not on
our plan, that they could put about $600 of that back in their pocket by going around the corner to
a highly credentialed, state board certified, AmeriPlan® dental provider, they usually are more
inclined to do so, at least until their dentist can be referred to our company, apply to be a
provider and start saving their clients a lot of money on their dental care.
I NEED TO TALK TO MY SPOUSE
Approach #1
Absolutely, I think that's a smart decision. One thing I want to help you avoid is that your spouse
is going to ask you a lot of questions, especially from what I've seen, and you're not going to
have all the answers just based on our short little conversation, and so if you really think this
would be a good plan for you, then why don't you let me handle all those tough questions your
spouse might ask. When's the best time for me to get you and your spouse on the phone together?
When you talk to the spouse, say:
"You know, Mr./Mrs. I was not going to
enroll your wife/husband until we talked to you because she/he said that you will answer every
question we might have and together, the three of us will make the best decision for you."
Approach #2
Ok, why don't I get your information now to save you time and keep your promotion. If your husband
/ wife says no, then call me back, and I'll Cancel your order, and if you do nothing, then you'll
receive a membership book, and cards with our 30-day risk free trial. Then you both look it over
and actually try it out instead of just reading about it. What is your HUSBAND/WIFE name? I am sure
that HUSBAND/WIFE Wouldn't mind saving money, right?!
CAN I ALSO USE PRESCRIPTION, VISION, AND CHIROPRACTIC WITH ANY OTHER INSURANCE?
Our plan is going to be either or, often our plan will be lower than the co-pay (if they have some
kind of insurance).
You can apply the AmeriPlan® Dental and chiropractic to your other coverage, but not the vision
and prescription.
CAN YOU USE THIS WITH INSURANCE?
DVPC (DENTAL PLAN) - This works in conjunction with nearly all HMO'S or PPO'S.
AmeriPlan® Health -
Answer #1 - Yes they can, if they have a high deductible. They'll save about $.50 on the dollar and
then everything out of pocket can go towards that deductible. They may not hit their deductible,
but they'll save a lot of money every year.
Answer #2 - Yes it can, but it is always at the Doctor's discretion to accept both. As with our
Dental Program (DVPC) benefits, your insurance should always be the primary payment form.
IF THIS IS NOT INSURANCE, THEN HOW DOES IT WORK?
We are the nations largest PAO (Provider Access Organization). What that means is you pay for
your reduced fees at the time of service and with NO deductible.
AmeriPlan® is a Nationwide Discount Medical Plan Organization. We arrange for our members to
have access to physicians, ancillary services, hospital advocacy, dental, vision, prescription
drug, and chiropractic providers who have agreed to offer their services at negotiated discounts
off their usual and customary fees.
HOW DO I USE THE BENEFITS?
Within 10 to 14 working days of receipt of your application, you will receive a Member
Information Guide, Membership Identification Cards and a Dental, Pharmacy, Vision and Chiropractic
Care Directory. Present your Identification Card to any AmeriPlan® provider and you will be
eligible to get the discounted fees. You pay the provider at the time of service.
WHAT IS AMERIPLAN® DENTAL CARE?
AmeriPlan Dental® Care is a Discount Medical Program Organization that offers memberships in its
discount dental program. Members can save 25% to 65% on all restorative and cosmetic work
(fillings, crowns, braces, etc.) and up to 80% on preventative work (teeth cleaning, x-rays, etc.)
performed by a general dentist. Specialist fees are discounted 20 - 25%.
Since the dental program is not insurance or a healthcare organization, all ongoing dental problems
are accepted except orthodontic treatment in progress. There are immediate savings, no paperwork to
fill out and no limits on visits to your dentist.
Why would a medical professional want to participate in the AmeriPlan®
Consumer Driven Health Care (CDHC) Program?
There are many reasons, the most important are:
- Patient care and treatment is put back into the physician's hands.
-
Economic Advantages
- A. The provider gets paid at the time of care. Most insurance plans make the
physician wait up to 120 days for payment.
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B. Office administrative costs are reduced.
- - No paperwork to complete.
- - No paperwork to file and follow-up.
- - No invoices to issue to patient or third-party payer
- C. Net increase in revenue vs. insurance HMO or PPO.
- The provider is part of an affiliation of like-minded professionals, without being "under
the thumb" of managed care.
AmeriPlan Health® is the New Medicine - the wave of the future, providing members with
comprehensive, quality, discounted healthcare.
HOW DO I PAY MY MEMBERSHIP FEE?
Monthly or quarterly payments are made ONLY by electronic bank draft or by credit card.
INVOICING IS DONE ONLY FOR ANNUAL MEMBERSHIPS PAID ONE YEAR IN ADVANCE. Our Dental Plus membership
is $19.95 per month. Family membership includes all residents in the household, including children,
parents, relatives and significant others.
WHO ARE THE DENTAL, VISION, PHARMACY, AND CHIROPRACTIC CARE PROVIDERS?
AmeriPlan Dental® Care has assembled one of the largest networks of dental providers in the
nation, and we are continually adding to this base. These dentists are well established, with
successful dental practices. Our prescription card may be used at our participating pharmacies
nationwide, as well as through mail order. The vision care benefits are available nationwide at
more than 12,000 providers, and our chiropractic benefits may be used with more than 7,500
credentialed chiropractors.
HOW DO I LOCATE AN AMERIPLAN® PROVIDER?
There are three ways to locate a provider. Instructions are included in the Member Information
Guide that you will receive with your identification cards. They are:
There are three ways to locate a provider. Instructions are included in the Member Information
Guide that you will receive with your identification cards. They are:
- A directory of providers near your home is included in your
Member Information Guide.
- A provider locator is available at: www.AmeriPlanusa.com or www.AmeriPlanhealth.com
- Call AmeriPlan Health® customer service at the listed number
in your guide.
ARE ON-GOING MEDICAL CONDITIONS/PROBLEMS INCLUDED?
Since AmeriPlan® is NOT INSURANCE OR A HEALTH ORGANIZATION, all ongoing dental/medical problems
(conditions) are included except for contracted treatment plans including orthodontic treatment in
progress.
HOW IS THE DISCOUNTED FEE CALCULATED?
The rates that the provider will charge are determined by either a set fee schedule that the
provider has contracted with the physician network, or as a percentage off of their billed charges.
In general, discounts will vary between 20% - 50%. Labs and Diagnostics will have discounts of up
to 80%.
IS THE MEDICAL PROGRAM (CDHC) CONTRACT ON AN ANNUAL BASIS AND
CANCELABLE AT ANY TIME, LIKE THE DENTAL PROGRAM (DVPC)?
Yes.
HOW DOES THE HOSPITAL ADVOCACY PROGRAM WORK?
The
Hospital Advocacy Program negotiates with the hospital based on the member's ability to pay.
DO I HAVE TO PAY WHEN I'M IN THE DOCTOR'S OFFICE?
YES. The member shall pay in full at the time services are rendered. The office will call the
AmeriPlan Health® repricing agents, who will conduct a phone repricing and tell the office staff
how much to collect from the member once the discounts have been applied. The agent will then fax
the repriced paperwork to the provider's office and mail an Explanation of Benefits (EOB) to the
provider and the member. This way the member can have documentation of their discounted
pricing.
WHAT IS AN E.O.B.?
An E.O.B. is an insurance industry acronym abbreviation for Explanation of Benefits or E.O.B.
This is a statement of benefits which lists the codes of the procedures performed at the office,
along with normal fees and the amount the member saved. Members receive these statements from the
providers' offices following their visit.
WHEN I ARRIVE FOR AN APPOINTMENT AT THE DOCTORS OFFICE, HOW DO YOU
ENSURE THE PROVIDER WILL UNDERSTAND HOW THE PLAN WORKS?
The Customer Service Representative will call the provider's office prior to the member's
appointment to ensure that the doctor is accepting new patients, to make sure they understand that
the members are self-pay at the time of service and to contact the repricing agent for assistance
with the bill. A fax is sent to the physician's office as a follow-up.
In addition, the Customer Service number is on the member's ID card, and the provider is welcome
to contact Customer Service if they have any questions on the program.
HOW CAN I FIND IF MY DOCTOR IS IN THE NETWORK?
A database of network medical providers is maintained and available to AmeriPlan Health®
members. (This is also available on the website.) The Customer Service Representative can search
for a desired provider by name, specialty, and a local zip code. If the provider is in network, the
Customer Service Representative will ask if they plan on visiting said provider. If so, Customer
Service will contact the provider's office on behalf of the member. If the doctor is not part of
the network, they will offer the member another provider in the same specialty and area. This is
done so that the member may make the most of the program. The member can also submit a Provider
Referral/Nomination form so that they can refer/nominate their doctor, who will then be contacted
regarding joining the AmeriPlan Health® network.
HOW TO USE AmeriPlan® HEALTH:
Doctors, Dentists, Chiropractors
- Make an appointment with an AmeriPlan®
Provider
- Present your card at the visit
- Pay your fee at the visit and enjoy your AmeriPlan®
savings.
Hospitals - in an Emergency
- Call 911 or rush to the hospital Emergency
Room
- Get the treatment you need
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After treatment
- If the bill is over $2,500 Call the Patient
Advocate number on the back of your membership card
- If the bill is under $2,500 Pay the hospital
or make payment arrangements
- If the bill is over $2,500, your Patient Advocate will secure
the lowest rate possible for you to pay. Your Patient Advocate will also negotiate monthly
payments to fit your budget.
Hospitals - Non-Emergency
- Discuss the treatment you will need with your
doctor
- Call the Patient Advocate listed on your AmeriPlan® Health®
membership card. If the bill is over $2,500, your Patient Advocate will secure the lowest rate
possible for you to pay. Your Patient Advocate will also negotiate monthly payments to fit your
budget.
Vision, Prescriptions
- Visit a participating pharmacy or vision
center.
- Show your AmeriPlan® card. At the Pharmacy - show
the Health Trans logo on your card
- At the Vision Center - show the Coast to Coast Vision
logo on your card
- Pay the fee and enjoy your AmeriPlan®
savings.
- For mail order prescriptions, follow the directions in
your membership kit. Mail order savings are usually greater than savings at local
pharmacies.
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