Extensive Discounts on Everyday Living
An AARP membership can pay for itself many times over through the sheer volume of discounts available. These savings apply to a wide range of products and services that cater to the needs of older adults and their households. From grocery savings to dining deals, the immediate financial perks are a major draw for many who join. For instance, you can find deals at popular restaurant chains like Denny's and Outback Steakhouse, offering between 10% and 15% off your bill. Moreover, savings extend to retail outlets and even an annual Walmart+ membership.
Travel Savings for the Explorer
For those who love to travel, AARP offers substantial discounts on nearly every aspect of a trip. Through the AARP Travel Center powered by Expedia, members can access exclusive deals. This makes planning a relaxing getaway or an adventurous journey much more affordable.
- Hotels & Resorts: Save up to 10% on select hotels and resorts, including chains like Best Western and Wyndham.
- Car Rentals: Discounts of up to 35% are available on base rates from companies such as Avis and Budget.
- Cruises & Packages: Exclusive onboard credits and savings on cruises and vacation packages, making dream trips more attainable.
- Flights: Members flying with British Airways can save anywhere from $65 to $200 on round-trip tickets.
Insurance and Protection
One of the most critical aspects of healthy aging is having robust insurance coverage. AARP partners with trusted providers to offer members a variety of insurance products, often with exclusive rates. This helps provide peace of mind and protection for finances and assets.
- Auto Insurance: The AARP® Auto Insurance Program from The Hartford offers average member savings and award-winning claims service.
- Homeowners Insurance: Savings are often available for bundling auto and home policies with The Hartford.
- Health Insurance: AARP has a long-standing partnership with UnitedHealthcare to offer Medicare Advantage, Medicare Supplement, and Prescription Drug Plans.
- Life Insurance: New York Life offers various life insurance products exclusively for AARP members, including term and guaranteed acceptance options.
- Pet Insurance: Members can also get discounts on pet health insurance to keep their furry family members healthy.
Health and Wellness Resources
Beyond insurance, an AARP membership provides a trove of resources dedicated to maintaining and improving health. The organization recognizes that well-being extends beyond physical health to mental and financial wellness.
- Prescription Discounts: The AARP® Prescription Discounts provided by Optum Rx can help members save on medications, even if they have insurance.
- Vision and Hearing Care: Get discounts on eyewear at retailers like LensCrafters and access to hearing care programs.
- Fitness Programs: AARP offers online workout videos, fitness tips, and free online events like tai chi and line dancing to keep members active and engaged.
- Mental Well-being: Resources like discounts on the Calm meditation app and articles on brain health contribute to a holistic approach to wellness.
- Nutritional Information: The Staying Sharp program provides brain-healthy recipes and nutritional guidance to support overall well-being.
Financial and Career Support
Financial security is a key concern for many approaching or in retirement. AARP offers resources to help members manage their finances, protect against fraud, and even find new career opportunities.
- Fraud Protection: AARP provides extensive resources and information to help members protect themselves from scams and identity theft.
- Career Resources: For those not yet retired or seeking new paths, AARP offers job boards with age-friendly employers, online training, and resume review services.
- Tax Assistance: The AARP Foundation Tax-Aide program offers free, IRS-certified tax preparation help for older adults with low to moderate income.
Comparison of AARP Member vs. General Discounts
| Benefit Area | AARP Member Discount | General Senior Discount | Exclusive Savings? |
|---|---|---|---|
| Insurance | Exclusive rates on auto, home, and health plans through specific partners like The Hartford and UnitedHealthcare. | Varies by provider; often requires specific age criteria (e.g., 65+). | Yes, often better rates and bundled options. |
| Travel | Up to 35% off car rentals (Budget, Avis), 10% off hotels (Wyndham), exclusive Expedia deals. | Often 5-10% off; less comprehensive range of discounts across multiple travel partners. | Yes, broader and deeper discounts through exclusive partnerships. |
| Dining | 10-15% off at specific national chains like Denny's and Outback Steakhouse. | Varies greatly by location and chain; not always advertised. | Yes, consistent and reliable discounts at partner restaurants. |
| Prescriptions | Deeper discounts on medications and home delivery via Optum Rx. | Some pharmacies offer senior discounts, but often limited to specific days or a smaller discount. | Yes, better discounts and home delivery options. |
Advocacy and Community Engagement
Beyond personal benefits, AARP is a powerful advocacy organization that works on behalf of older Americans. This means a membership supports larger efforts that impact millions.
- Legislative Advocacy: AARP actively lobbies on issues like Social Security, Medicare, and age discrimination to protect and advance the interests of seniors.
- Community Involvement: The AARP Network of Age-Friendly States and Communities and the AARP Community Challenge work to make communities better places to live for all ages.
- Local Assistance: The AARP Foundation Local Assistance Directory helps members find food, housing, health, and employment programs in their local area.
- Volunteer Opportunities: Members can get involved in their communities through programs like Tax-Aide and Experience Corps, helping others and staying engaged.
The Verdict: Is an AARP Membership Worth It?
Ultimately, deciding if an AARP membership is right for you depends on your individual needs and lifestyle. However, given the vast array of discounts on travel, insurance, and everyday purchases, as well as the wealth of health and financial resources, the $16 annual fee (or lower with multi-year and auto-renewal options) can easily be recouped through savings. The added value of supporting AARP's advocacy efforts and having access to a community network makes it a compelling choice for anyone aged 18 or older.
For a full list of official AARP benefits and offers, visit the AARP website: AARP Member Benefits
