Wellness Plan of America describes a membership offering wellness services and savings benefits. Its website explicitly states that the plan is not insurance and does not replace health insurance. A consumer evaluating an offer should start with that distinction, then compare the membership’s written benefits, fees, and cancellation terms with what the salesperson promised.
According to the FTC, some marketers make discount programs sound like comprehensive health insurance. Readers should assess the named company’s actual offer rather than infer misconduct from that category warning. Check whether it promises insurance payments, access to a service, or a discount that still leaves the member responsible for paying the provider.
Wellness Plan of America membership benefits
The company’s description lists personal wellness concierge support, prescription savings analysis, and an online wellness assessment among its benefits. These are the company’s advertised membership features. Before enrolling in Wellness Plan of America, request the exact package details and identify which services are included in the membership price and which involve an additional purchase.
The Wellness Plan of America homepage advertises telemedicine access, fitness content, and savings on supplements and other wellness products. Its disclaimer says the program is privately supported and is not a Medicare prescription drug plan. Assess these as membership and access claims. They do not establish an insurance policy that pays for hospitalization or other major medical treatment.
The contact page gives [email protected] and 855-700-9355 for membership questions or requests to cancel monthly membership. It lists a Deerfield Beach, Florida contact address. For a Wellness Plan of America billing question, use those published routes and provide the membership reference and disputed period, while keeping account passwords and unnecessary medical documents out of routine messages.
Wellness Plan of America insurance checks
Before enrollment, call the consumer’s own healthcare providers and other providers listed by a plan. Ask about the specific program and the price the patient would pay for the relevant service. Treat acceptance of some discount products as insufficient confirmation of participation in every membership or of a particular patient’s bill.
For a prescription savings claim, identify the medicine and compare the actual quoted cost with available alternatives before paying a membership fee. The company advertises an analysis service, while FTC guidance cautions that broad advertised savings can overstate practical value. Evaluate the net benefit after membership costs instead of treating a maximum discount as a guaranteed result.
Check medical discount program requirements with the state insurance commissioner. Many states require licensing or registration, and the regulator can help examine claims that a discount product is insurance. Use the program and seller names from the enrollment paperwork. A membership card alone is not enough to identify the legal coverage a person intended to purchase.
| Offer detail | Question to resolve before enrollment |
|---|---|
| Program type | Insurance, service access or discount membership? |
| Provider list | Does the particular provider accept this program? |
| Quoted savings | What will the member actually pay? |
| Monthly billing | What is the cancellation method and effective date? |
Sales pressure and written promises
The FTC’s medical discount guidance identifies pressure to buy immediately and refusal to provide written information as warning signs. Take time to examine the offer before sharing payment details. If a seller says a special price disappears immediately, request the documents anyway. The insurance scam guidance explains how misleading coverage claims can affect this decision.
FTC guidance also recommends asking what emergency room care or hospitalization would cost under the product being offered. A membership that provides discounts or consultations may address a different need from major medical coverage. Put the proposed plan documents beside the sales message and ask for clarification of any promise that appears broader than the written benefits.
What to do about cancellation and charges
For cancellation, send a clear request through the company’s published contact details and retain the date, account reference, and response. Ask when recurring billing will end and whether a refund is being considered separately. The report preparation guide helps organize the enrollment terms, cancellation evidence, and later statements when the disputed issue concerns continuing charges.
If an unauthorized or deceptive charge appears, contact the card issuer or bank promptly and explain exactly what was agreed. The FTC recommends asking the payment provider about recovery after deception. For a payment through PayPal, use the account’s support process. A merchant cancellation request and a request to reverse a specific payment should both be documented.
Where to report misleading membership sales
Report suspected misleading health plan marketing to the FTC at ReportFraud.ftc.gov and raise coverage or registration questions with the state insurance commissioner. Provide the written offer and payment evidence. The source checking guide helps distinguish company claims from regulatory findings, so a complaint can accurately describe the transaction without assuming every wellness benefit is an insurance promise.
Questions and answers
Is this membership described as health insurance?
The company’s website expressly says the plan is not insurance and is not intended to replace health insurance. It also says it is not a Medicare prescription drug plan. Compare those disclosures with any salesperson’s description before enrolling.
Which benefits does the website advertise?
The company describes a wellness membership with concierge assistance, prescription savings analysis, wellness assessments and other benefits. These are advertised services, not proof that an individual treatment is insured. Request the particular membership documents and provider terms before paying.
What contact details are published for cancellation?
The contact page provides [email protected] and 855-700-9355 for program questions or cancellation requests. Save a copy of the request and ask for confirmation of the effective date. Keep subsequent statements to check for continued billing.
How can provider participation be checked?
The FTC recommends contacting providers directly before paying for a medical discount plan. Ask whether the specific plan is accepted and what the patient would actually pay. A general provider list or broad savings percentage is insufficient for that decision.
Who can check whether a medical discount plan needs registration?
The FTC directs consumers to their state insurance commissioner to check relevant licensing or registration requirements and claims that a discount program is insurance. State rules vary. Identify the legal program and seller names from the written enrollment documents.
What if a misleading sale has already been paid for?
Contact the merchant with the written offer and request a remedy. The FTC recommends contacting the card issuer, bank or payment app promptly after a deceptive payment and asking about reversal. Report suspected deception separately through ReportFraud.ftc.gov.
Sources
- Membership description · Wellness Plan of America
- Advertised benefits and insurance disclaimer · Wellness Plan of America
- Membership questions and cancellation contacts · Wellness Plan of America
- Health insurance versus discount plans · Federal Trade Commission
- Health insurance scam warning signs · Federal Trade Commission
- Medical discount plan consumer guidance · Federal Trade Commission
- Checking the coverage actually offered · Federal Trade Commission
- Payment recovery steps · Federal Trade Commission