Terms and Conditions
Website and membership terms. Effective November 9, 2026.
Important Ameriplan information
Ameriplan membership plans are not insurance. They provide access to healthcare savings, services and participating-provider programs according to the applicable membership.
These Terms govern use of AmeriPlan’s websites and company-operated membership tools and purchases accepted under these Terms. GNO Holdings, Inc dba Ameriplan is referred to as AmeriPlan, we, us or the Company. You means the visitor, applicant, Member or authorized account user, as applicable.
Agreement and acceptance
Review the applicable terms before enrollment. An enrollment becomes binding when you affirmatively accept the displayed agreement and AmeriPlan accepts your application. A website visit alone does not authorize recurring charges, enrollment as a Benefit Consultant, or sensitive-data processing that requires separate consent. Keep the confirmation and a copy of your accepted terms.
Mandatory law and state protections control. Your accepted enrollment details, applicable state addenda and plan-specific Member Guide govern your membership together with these Terms. A specific state addendum controls its subject. Promotional material and sponsor statements do not amend your agreement. Third-party clinical and benefit services may have separate terms and privacy notices.
Benefit Consultants have a separate BC Agreement, Policies and Procedures and Compensation Plan. Membership alone creates no right to earn compensation. These Terms do not replace those business documents or automatically amend an existing signed agreement.
Privacy and security disclosure
Our separate Privacy Policy describes personal-information handling and privacy choices. It is a notice, not permission for unrelated uses of your information. Provide accurate account details, protect your credentials and notify support of suspected unauthorized access. Do not send complete payment credentials or medical records through ordinary email or public messages.
Eligibility and account access
The primary enrolling account holder must be at least 18 and legally able to contract, or act through an authorized legal representative. Benefits are available only in approved locations and subject to the applicable service’s eligibility rules. Household membership may include up to 10 eligible people in total, including the primary Member; individual benefits may impose narrower limits. Adults needing individual portal access use their own email and login. A primary account holder does not automatically have access to another adult’s clinical records.
Use your enrollment instructions to access the AmeriPlan membership app and current cards. Telehealth may use a separate app. Keep contact, household and payment information accurate. Never share credentials or allow an ineligible person to use your membership.
Membership services and payments
A discount medical plan not insurance
AmeriPlan memberships are NOT insurance and do not replace health insurance. Discount services generally require a participating provider and payment by the Member at the time of service. AmeriPlan does not pay insurance claims or reimburse provider charges under a discount benefit. Certain services are included at the consultation price stated for the selected plan. Do not cancel health insurance in reliance on this membership.
Savings, services, provider participation and availability vary by location and plan. Confirm participation, the applicable network and your estimated charges before care. A directory listing is not a guarantee of an appointment, a particular result or continued participation.
Plans and benefit information
Basic, Deluxe and Elite are separate membership options. Current standard monthly prices are Basic $19.95, Deluxe $39.95 and Elite $89.95, plus a one-time $20 Member Registration Fee for new member enrollment, as disclosed at checkout. Your accepted enrollment states your actual price, billing frequency and any lawful promotion. BC enrollment costs are separately disclosed under the BC Agreement.
Basic includes dental, vision, prescription savings and telehealth under its guide. Deluxe expands the available services and includes virtual urgent care at $35 and virtual primary care at $75 per consultation. Elite includes $0 virtual urgent and primary care consultations, eligible formulary prescriptions at $0, care navigation, counseling and pet services subject to the guide and service terms. Consultation prices do not include every prescription, laboratory test or outside service.
Aetna Dental Access and AmeriPlan Dental have separate provider and pricing rules. The AmeriPlan fee schedules do not establish Aetna fees. Basic and Deluxe retain SingleCare prescription savings. Elite uses the applicable SingleCare, Elite Rx or pet prescription card. The human $0 formulary does not cover every medication or pet prescription. Use the current guide and correct portal card.
Payment methods and recurring billing
Use the payment options displayed in the approved enrollment or account system. The payer must be authorized to use the payment method. Before recurring billing is authorized, we disclose the initial charge, recurring amount, frequency, expected billing date, duration and cancellation method. You must expressly authorize the recurring charge. We provide a record of the agreement and any required payment authorization.
Recurring membership continues under your accepted terms until cancelled or otherwise ended. Update payment details through the secure account system or an approved support process. We will not add an undisclosed fee, change a billing date to defeat cancellation, or treat a failed payment as a new authorization. Payment retries, suspension and reinstatement follow the applicable agreement, required notices and law.
Cancellation refunds and member support
Cancellation by the Member
You may cancel your membership at any time. Email cancel@ameriplanusa.com or mail a written request to GNO Holdings, Inc dba Ameriplan, Bank and Credit Card Department, 800 Town and Country Blvd Ste 500, Houston, Texas 77024. You may also use the cancellation link supplied in your confirmation email when available. Include your member number if known; support will help identify your account if it is missing.
We record receipt, stop future recurring charges promptly and confirm the cancellation and effective date in writing. Contact support promptly if a payment is about to process. An internal delay does not authorize a charge that should have been stopped. You need not obtain sponsor permission or return an obsolete physical card to cancel. We honor additional cancellation methods and shorter processing periods required by applicable law.
Refund policy
If you cancel within 30 days of activation, membership fees paid are refundable under the satisfaction guarantee, subject to more favorable state rights. Where a state measures the period from delivery of the card and guide or another event, that required period applies. The $20 registration fee is nonrefundable only where the applicable agreement and law permit. We issue refunds within the legally required period; the general guide processing period is no later than 30 days.
State protections may require refunding an administrative charge, interest or a prorated refund. The guides identify additional protections, including refunding membership and administrative charges for timely cancellations in Arkansas, Colorado, Maryland and Tennessee, and prorated unused prepaid periods in Florida, Nevada and Oklahoma. These examples do not limit additional rights. Applicable state disclosures govern.
After the general refund period, fees for elapsed membership periods are ordinarily nonrefundable unless law, the applicable agreement, a billing correction or another approved remedy requires otherwise. Membership refunds do not refund independent providers’ charges. Provider or vendor refunds follow their applicable terms and law. BC training-fee refunds and termination are governed separately by the BC Agreement.
Membership cancellation by AmeriPlan
We may suspend or end a membership for verified fraud, material unauthorized use, nonpayment under the accepted terms, or lawful program withdrawal. We provide required notice and any refund or credit for unused prepaid service. A good-faith complaint, refund request or payment dispute alone is not fraud. Ending a BC relationship does not automatically end a separate member subscription. A change in membership does not direct a clinician to abandon ongoing care; ask the provider about follow-up arrangements and charges.
Inquiry and complaint resolution
For billing, provider access, cancellation or other membership concerns, use ameriplanusa.com/support or complaints@ameriplanusa.com. We aim to address inquiries within 24–48 business hours, acknowledge a formal complaint in writing within five days and provide a resolution within 30 days, subject to any shorter required period. If additional review is needed, we explain the status. You may contact a regulator or licensing agency without first completing our internal process.
Third party services and permitted use
Healthcare and other third parties
Clinicians, pharmacies, dental practices, laboratories, veterinary professionals and other vendors provide their own services. Their professional judgment, consent forms, fees and privacy obligations apply. AmeriPlan’s membership administration is separate from clinical care. A service link or directory listing does not make every third party an AmeriPlan employee or agent, or eliminate AmeriPlan’s own obligations.
Telehealth clinicians decide whether virtual care is appropriate and whether to prescribe. No appointment, medication or outcome is guaranteed. Elite counseling is limited by its guide, including the stated per-issue visit limits and California variation. Care navigation and hospital advocacy do not guarantee a bill reduction or suspend a provider’s payment deadline. Pet telehealth provides guidance under its service terms and does not replace an in-person veterinary examination.
Use the current guide for service-specific contacts and exclusions. The Care Team at 1-844-781-3452 assists with telehealth and applicable Elite services 24/7; it is not AmeriPlan corporate billing or cancellation support. For a medical emergency, call 911. For a pet emergency, contact a veterinarian or emergency veterinary hospital.
Digital access and delivery
Membership cards, guides and access instructions may be delivered electronically through the app, portal or email, with any alternative delivery required by law. Internet or device charges are your responsibility. Contact support if access instructions are missing or a tool is inaccessible.
Website content videos and intellectual property
Company names, marks, software, guides, videos and other content belong to their respective owners. You receive limited permission to access services for their intended purpose. BCs may share current company-approved promotional materials and videos as permitted by the Policies and Procedures; this permission is not a general right to alter claims, remove disclosures or reuse third-party media. Other copying or commercial use requires authorization unless law permits it.
Do not impersonate another user, scrape personal data, bypass access controls, upload malicious code, manipulate enrollment or compensation records, or interfere with service. We may restrict unauthorized access proportionately while preserving required account access, cancellation and legal rights. Your truthful reviews and lawful reports remain protected.
Communications and automated tools
We send account and service messages related to your relationship with us. Marketing consent is separate where required; use an unsubscribe link or contact support to opt out. A marketing opt-out does not cancel membership or necessarily stop essential account notices. Consent to automated calls or texts is not created merely by visiting the site.
Automated assistants and recorded presentations can contain errors. Verify plan, payment and provider information against the accepted agreement and current guide. Do not submit medical emergencies, complete payment credentials or unnecessary sensitive information through a general chatbot.
Disputes notices and general terms
Mediation and court access
For a BC business dispute governed by the adopted Policies and Procedures, Schedule B is the mediation agreement and controls its process. It provides an impartial mediator, a mutually agreed date, Collin County, Texas unless otherwise agreed, telephone participation and each party’s own expenses unless otherwise agreed or required by law. Mediator fees and allocation are agreed in writing before scheduling. A mediator facilitates settlement and cannot impose a decision.
For a consumer membership or website dispute, contact support first if practical. We offer mediation by mutual agreement; these Terms do not make consumer mediation a prerequisite to court, require binding arbitration or waive class, collective or representative rights. Any consumer dispute agreement requiring separate assent must be presented separately and comply with applicable law.
Either party may preserve a filing deadline, seek urgent relief or report to an agency without waiting for mediation. Confidentiality applies only to the extent lawful and does not shield independently discoverable evidence or protected reports. No settlement is required. Unresolved claims may be brought in a court with jurisdiction. Texas and controlling federal law apply, subject to nonwaivable protections of the Member’s state. A BC forum agreement applies only to its covered BC claims; these Terms do not require consumers to surrender a protected local forum.
Disclaimers and liability
Website information and tools may be interrupted or contain errors. To the extent law permits, general informational tools are provided as available without a promise of uninterrupted access or a particular result. This does not disclaim an expressly purchased membership benefit, required refund, statutory warranty or duty to correct a known material error.
Nothing in these Terms excludes liability that law does not permit to be excluded, limits a nonwaivable remedy or releases fraud, willful misconduct or other liability that cannot lawfully be released. No fixed monetary cap, shortened claim period or contractual delay in paying an award is imposed by these Terms.
Notices and modifications
We send contractual notices through the legally permitted method associated with your account, including email, the portal or mail. Keep your notice details current. Delivery and effectiveness follow the applicable agreement and law; a public website posting alone is not proof of individual assent.
We provide at least 30 days notice of a material contractual change unless a different period is required or earlier action is necessary to comply with law. Obtain any required acceptance or payment authorization before implementation. Changes do not retroactively reduce earned compensation, remove accrued rights or control an existing dispute without a lawful agreement. Privacy changes follow the Privacy Policy and required notice or consent.
If a term is unenforceable, the rest continues only to the extent lawful. Failure to enforce a term once is not a general waiver. No employment, partnership or agency relationship arises from membership or site use. Only authorized written agreements can amend the contractual relationship. Existing agreements are replaced only through a valid transition, notice and acceptance process.
Questions and additional information
- GNO Holdings, Inc dba Ameriplan
- 800 Town and Country Blvd Ste 500, Houston, Texas 77024
- Support: ameriplanusa.com/support | Monday–Friday, 9 a.m.–4 p.m. Central
- Billing: bcc@ameriplanusa.com | Cancellation: cancel@ameriplanusa.com
- Complaints and privacy: complaints@ameriplanusa.com
Questions about this?
Email customersupport@ameriplanusa.com, or .