Understanding the Core Value of AARP Membership
An AARP membership is more than just a discount card; it’s a gateway to a network of programs, services, and advocacy efforts designed to enrich the lives of its members. The organization's clout comes from its large and engaged membership base, allowing it to negotiate significant savings and lobby for policies that benefit older Americans. The core value lies in the breadth of offerings, spanning from everyday savings to long-term financial and health planning.
Exclusive Discounts: Everyday Savings That Add Up
For many, the most immediate and tangible benefits of an AARP membership are the hundreds of discounts available. These savings can easily offset the annual membership fee, especially for those who travel or dine out frequently.
Travel Discounts
Whether you're planning a weekend getaway or an international trip, AARP can help you save on nearly every aspect of your travel plans.
- Hotels: Save up to 25% on the best available rates at major chains like Hilton, Radisson, and Best Western.
- Car Rentals: Get significant discounts of up to 35% on base rates from companies such as Avis and Budget.
- Cruises and Vacation Packages: Access special savings through the AARP Travel Center powered by Expedia, with offers including onboard credits or gift cards.
- Roadside Assistance: Discounted roadside assistance plans are available to provide peace of mind on the road.
Dining and Entertainment Discounts
Staying socially active is made easier and more affordable with AARP discounts at various restaurants and entertainment venues.
- Restaurants: Receive discounts of 10% or more at popular national and local chains, including Outback Steakhouse, Denny's, and Carrabba's Italian Grill.
- Movies and Theater: Get deals on movie tickets at select theaters, and access free online movie screenings and theatrical performances through AARP programs.
- Event Tickets: Save on tickets for live events, concerts, and sports games through FEVO.
Retail and Technology Discounts
Your AARP card can help you save on everyday purchases, from groceries to gadgets.
- Groceries and Shopping: Find coupons through the AARP Grocery Coupon Center and get discounts on subscriptions like Walmart+.
- Wireless Plans: Discounts are offered on wireless plans and accessories from providers like Consumer Cellular and AT&T.
- Identity Theft Protection: Protect your personal information with savings on online security services from Norton.
Insurance and Health Services
Access to affordable and reliable insurance is a major concern for many seniors. AARP addresses this need by endorsing a wide range of insurance products and providing resources for health and wellness.
Comprehensive Insurance Options
- Health Insurance: Access Medicare Supplement and Medicare Advantage plans from UnitedHealthcare and dental insurance from Delta Dental.
- Auto and Home Insurance: Exclusive benefits and savings on auto, homeowners, and renters insurance are available through The Hartford.
- Life Insurance: Options for term, permanent, and guaranteed acceptance life insurance are available from New York Life.
- Pet Insurance: Get discounts on pet insurance to cover your furry family members.
Health and Wellness Resources
- Prescription Discounts: The AARP Prescription Discounts provided by Optum Rx program offers a free card for savings on medications, with deeper discounts for members.
- Vision and Hearing: Save on eyewear at retailers like LensCrafters and Target Optical, and receive discounted rates on hearing aid products from HearUSA.
- Fitness: Access workout videos and exercise tips at the AARP Fitness Center and find information on local outdoor fitness parks.
Financial and Career Planning
For those still working, planning for retirement, or just looking to manage their money better, AARP offers valuable resources.
- Financial Planning: Tools and resources cover financial management, banking and investments (including special rates with Marcus by Goldman Sachs), and fraud prevention.
- Tax Assistance: The AARP Foundation offers free tax preparation assistance to low-to-moderate-income taxpayers aged 50 and over.
- Career Resources: Access age-friendly job boards, resume review services, and career counseling to support older workers.
Advocacy and Community Engagement
Beyond tangible perks, AARP is a powerful advocate for older Americans, lobbying for critical issues and fostering community connections.
- Advocacy: AARP actively advocates for policies related to Social Security, Medicare, lower prescription drug costs, and combating age discrimination.
- Community: Members can connect through local chapters, volunteer opportunities, and free online events and classes at the AARP Virtual Community Center.
How to Maximize Your AARP Membership
To get the most value from your membership, consider these strategies:
- Get the AARP Now App: This app provides instant access to your digital membership card, local deals, news, and events, so you always have your benefits on hand.
- Explore the Website: The AARP website is a treasure trove of information, with comprehensive guides, articles, and tools on health, finance, and more.
- Use the Rewards Program: AARP Rewards is a loyalty program where you can earn points for various activities, which can then be redeemed for gift cards, discounts, and sweepstakes entries.
- Connect with a Free Secondary Member: Your membership includes a free secondary membership for another adult in your household, doubling the potential for savings.
- Review Insurance Options: Even if you have existing insurance, it's worth comparing the AARP-endorsed options from reputable providers like The Hartford and UnitedHealthcare to see if you can find better coverage or rates.
Comparison: Is an AARP Membership Worth It?
| Feature | AARP Member | Non-Member |
|---|---|---|
| Cost | Starts at $15 for the first year with auto-renewal. | Free access to some resources like general articles and the basic prescription card. |
| Discounts | Access to hundreds of exclusive member-only discounts on travel, dining, and retail. | No access to member-only discounts. |
| Insurance Products | Access to AARP-endorsed insurance products from partners like The Hartford and UnitedHealthcare. | Does not have access to these specific endorsed plans and rates. |
| Rewards Program | Earn 50% more points and access exclusive members-only rewards. | Can participate in AARP Rewards but earns fewer points and lacks exclusive offers. |
| Advocacy | Supports AARP's lobbying efforts for issues important to older Americans. | Benefits from AARP's advocacy indirectly, but does not contribute membership dues. |
| Resources | Full access to career resources, financial planning tools, and exclusive content in publications like AARP The Magazine. | Limited access to some public-facing resources and articles on the website. |
Conclusion: Evaluating Your AARP Benefits
Ultimately, the question of "what benefits does AARP give me?" is best answered by considering your personal needs and lifestyle. For a modest annual fee, members gain access to a vast network of discounts, comprehensive insurance options, and a wealth of educational and financial resources. The savings from just a few hotel stays or regular dining can quickly cover the membership cost, while the advocacy work and community resources offer more intangible, but equally valuable, support. Those who actively utilize the discounts and resources will find the membership to be a highly worthwhile investment in their finances, health, and quality of life. For a full list of benefits, you can visit AARP's official all-offers-a-z page.
