AARP Membership Payments Explained
For most people, the idea of paying a membership fee often comes with the question of whether it's a monthly or yearly commitment. When it comes to AARP, the payment structure is straightforward: it is an annual membership. While you cannot elect to pay monthly, AARP offers multiple-year terms at a discounted rate, which can be a more budget-friendly option for long-term members.
Annual vs. Multi-Year Membership: A Financial Comparison
Deciding between paying annually or selecting a multi-year term depends on your budget and how long you plan to maintain your membership. AARP provides incentives for members who commit for a longer period.
| Membership Term | First-Year Cost (with auto-renewal) | Annual Renewal Cost | Multi-Year Lump-Sum Cost |
|---|---|---|---|
| One Year | $15 (approximate, with auto-renewal) | $20 (approximate, renewing annually) | N/A |
| Three Years | N/A | N/A | $55 (approximate) |
| Five Years | N/A | N/A | $79 (approximate) |
Note: All prices are approximate and based on 2025 pricing. AARP announced a price increase in 2025, so rates are subject to change over time. The best way to confirm current rates is to visit the official AARP website.
Can I Enroll in Automatic Payments?
Yes, you can. AARP offers automatic annual renewal, which is often promoted with a reduced rate for the first year of a one-year membership. This service automatically charges your credit card, debit card, or checking account each year, ensuring your membership never lapses and that you continue to enjoy all benefits without interruption. You can cancel the automatic renewal at any time by contacting AARP customer service.
Why No Monthly Payment Option?
While many subscription services offer monthly billing, AARP’s business model is designed to sustain its large-scale advocacy and member benefits programs on a yearly basis. The annual fee structure helps keep costs low while providing a comprehensive suite of resources, publications, and discounts throughout the year. The organization's focus on long-term support for its 50+ members makes an annual model more practical than a monthly one.
Key Benefits of Your AARP Membership
Your annual membership fee goes towards funding numerous resources and discounts. These benefits are one of the primary reasons to join, as the savings can often exceed the cost of the annual fee.
- Travel Discounts: Reduced rates on hotels, car rentals, and cruises.
- Dining and Shopping Savings: Discounts at a wide array of restaurants, plus savings at various retailers and on groceries.
- Health and Wellness: Access to special insurance plans (Medigap, Medicare Advantage) and other health resources.
- Advocacy and Protection: AARP lobbies on behalf of its members for issues like Social Security, Medicare, and fighting fraud.
- Publications: Subscriptions to AARP The Magazine and AARP Bulletin to keep you informed on relevant topics.
- Free Secondary Membership: Your membership fee covers a second adult in your household at no extra charge, allowing both of you to access the same benefits.
How to Join or Renew Your AARP Membership
Joining AARP or renewing an existing membership is a simple process. You can enroll online, over the phone, or via mail.
- Visit the Website: Go to the official AARP website and navigate to the membership page. You can choose your desired term (one, three, or five years).
- Provide Information: Fill out the required information on the sign-up form.
- Select Payment: Pay with a credit card, debit card, or checking account. If you choose automatic renewal, you will be prompted for that information.
- Confirm and Enjoy: Once your payment is processed, you'll gain instant access to your benefits digitally. A physical membership card will be mailed to you within a few weeks.
If you have any questions during the process, AARP provides helpful customer support to guide you. For the most up-to-date information on membership and benefits, you can visit the official AARP website.
Learn more about AARP membership options on their official website
