Unlocking Your AARP Member Benefits
An AARP membership goes beyond simple discounts, offering a robust portfolio of benefits designed to support and enhance life for individuals 50 and older—though anyone can join. From tangible savings on everyday purchases to advocacy on critical issues like Medicare and Social Security, the value proposition is comprehensive.
Everyday Savings and Discounts
One of the most immediate benefits members enjoy is the array of discounts available on daily expenses. These savings can quickly add up, often outweighing the annual membership cost.
- Travel and Hospitality: AARP members can find exclusive discounts on a variety of travel needs. This includes deals on hotels, car rentals, and even vacation packages through the AARP Travel Center powered by Expedia. Whether it's a cross-country road trip or a cruise, savings are available from partners like Avis, Budget, and British Airways.
- Dining and Shopping: AARP provides access to thousands of restaurant discounts nationwide. Savings are common at popular chains such as Denny's and Outback Steakhouse, typically offering 10% to 15% off the total bill. For everyday needs, members can also get discounts on groceries, gifts, and even a Walmart+ membership.
- Technology and Wireless: Staying connected is easier and more affordable with AARP. Members can get special offers on wireless plans and devices through partners like Consumer Cellular and AT&T. Discounts on identity theft and online protection services, such as Norton 360 and Norton LifeLock, are also available.
Health and Wellness Resources
As healthcare becomes a greater concern with age, AARP provides valuable tools and discounts to help manage costs and maintain a healthy lifestyle. Access to a variety of insurance options is a core part of the offering.
- Insurance Products: AARP members have access to a range of endorsed insurance products from trusted providers. This includes options for supplemental health insurance, dental and vision coverage (via VSP and Delta Dental), and various types of life insurance from New York Life.
- Prescription Discounts: The AARP Prescription Discounts provided by Optum Rx offers a free card to help save on FDA-approved medications at a vast network of pharmacies. Members often receive deeper discounts than non-members.
- Hearing and Vision Care: Members can save on eyewear at retailers like LensCrafters and Target Optical. Additionally, the AARP Hearing Care Program offers discounts on hearing aids.
- Wellness Programs: Beyond insurance, AARP provides resources like an online fitness center with workout videos, online games to keep the mind sharp, and health and wellness articles.
Financial Planning and Career Support
Financial security and continued career opportunities are major focuses for many older Americans. AARP offers resources and partnerships to help members navigate these areas with confidence.
- Financial Tools: The AARP website features financial planning tools, retirement calculators, and resources for money management and budgeting. A partnership with Marcus by Goldman Sachs offers members special rates on savings accounts and CDs.
- Fraud Protection: Members have access to resources and webinars focused on preventing financial fraud and scams, a critical concern for older adults.
- Career Resources: For those looking to re-enter the workforce or start a new career, AARP provides an age-friendly job board, online courses for skills training, and resume review services.
Advocacy and Community Involvement
Beyond direct member benefits, AARP plays a significant role in advocating for issues important to the 50+ community. This includes lobbying for policies related to Medicare, Social Security, and consumer protections. Members can get involved through community events and volunteering opportunities.
Comparison: AARP vs. AAA
While AARP and AAA both offer membership benefits, their focus and offerings differ. AARP's core mission is broad advocacy and comprehensive benefits for older adults, while AAA is primarily focused on automotive services and travel.
| Feature | AARP Membership | AAA Membership |
|---|---|---|
| Primary Focus | Lifestyle benefits, advocacy, and resources for 50+ | Automotive services (roadside assistance) and travel discounts |
| Eligibility | All ages can join (most benefits focused on 50+) | All ages can join |
| Roadside Assistance | Separate service, e.g., Allstate Roadside at member rate | Included in basic membership and higher tiers |
| Insurance Offerings | Access to various endorsed insurance products (auto, home, life, health) | Primarily auto and home insurance |
| Health Benefits | Extensive health and wellness discounts and resources | Limited or no health-specific benefits |
| Advocacy | Strong lobbying on age-related issues (Medicare, Social Security) | Focuses on legislative issues related to motorists |
What About the Household Membership?
Another key feature of an AARP membership is the ability to add a second person from your household for free. This allows couples and partners to share in the benefits without paying for an extra subscription, significantly increasing the value.
Is an AARP Membership Right for You?
With such a wide variety of offerings, deciding whether to join AARP depends on your specific needs and spending habits. If you frequently travel, dine out, or are looking for affordable insurance and financial planning resources, the membership can easily pay for itself through the accumulated savings. If your primary goal is roadside assistance, a dedicated service like AAA might be more suitable. However, for a low annual fee, the combination of discounts, advocacy, and a free household membership makes it a compelling value proposition for many.
