What's the point of joining AARP? Unpacking the benefits for seniors and beyond

With more than 38 million members nationwide, AARP is a prominent force in the lives of many older Americans. But for many, the question remains: What's the point of joining AARP? The organization offers a blend of practical savings, political influence, and helpful resources that go far beyond just discounts.

Quick Summary

An AARP membership provides a powerful mix of consumer discounts on everything from travel to insurance, robust advocacy for issues impacting older Americans, and access to valuable educational and wellness resources for a low annual fee. By exploring these core offerings, individuals can determine if the benefits outweigh the cost for their specific needs.

Key Points

• Extensive Discounts: An AARP membership provides access to a wide array of discounts on travel, dining, insurance, and more, which can often exceed the annual membership cost.

• Powerful Advocacy: AARP acts as a nonpartisan advocate for seniors, lobbying on critical issues like Social Security, Medicare, and prescription drug costs.

• Comprehensive Resources: Members receive access to a wealth of educational and wellness resources, including health information, financial planning tools, and online fitness programs.

• Community and Connection: Membership offers opportunities to engage in local events, volunteer, and access publications like AARP The Magazine and AARP The Bulletin.

• Eligibility for All Ages: While its focus is on those 50+, anyone 18 or older can join AARP to access most of its benefits and resources.

Understanding the Mission Behind AARP

Founded in 1958 by retired high school principal Ethel Percy Andrus, AARP's mission is to empower people to choose how they live as they age. Originally the American Association of Retired Persons, the organization rebranded simply as AARP to reflect its diverse membership, which is open to anyone aged 18 or older. This nonpartisan, nonprofit group focuses its advocacy and resources on issues that are critical to individuals over 50 and their families. This mission is realized through three core pillars: providing member value through discounts, advocating for social change, and offering a wide array of educational and wellness resources.

Deep Discounts and Member Savings

One of the most immediate and tangible benefits of an AARP membership is the extensive network of discounts. These savings can quickly recoup the cost of the annual membership, which is as low as $15 for the first year with automatic renewal. The savings cover a wide range of goods and services that many older adults use frequently.

Travel discounts

• Car Rentals: Save up to 35% on base rates with Avis and Budget.
• Hotels: Receive up to 10% off at select hotels booked through the AARP Travel Center powered by Expedia.
• Cruises: Gain onboard credit and special offers on select cruises.

Insurance programs

• Auto and Home Insurance: The Hartford offers special rates and benefits on auto and home insurance exclusively for AARP members.
• Medicare Plans: Through UnitedHealthcare, AARP offers various Medicare supplement and Medicare Advantage plans.
• Dental and Vision: Discounts and insurance plans are available through partners like Delta Dental and VSP.

Dining and entertainment

• Restaurants: Enjoy daily discounts at thousands of participating restaurants, including chains like Denny's and Outback Steakhouse.
• Events and Entertainment: Get access to movie screenings, special events, and local coupons.

Powerful Advocacy and Political Clout

Beyond the savings, a significant part of AARP's purpose is its powerful advocacy work. With millions of members, AARP has considerable influence on federal and state policies that affect seniors. The organization is nonpartisan and focuses solely on issues important to its demographic.

1. Protecting Social Security and Medicare: AARP lobbies tirelessly to safeguard and strengthen these vital programs.
2. Lowering Prescription Drug Costs: AARP is a vocal advocate for policies aimed at making prescription medications more affordable.
3. Fighting Age Discrimination: The organization works to protect older workers' rights and change societal perceptions of aging.
4. Empowering Caregivers: AARP supports family caregivers with resources, legal protections, and advocacy for policies like tax credits and family leave.

Resources for Health and Wellness

AARP provides numerous tools and resources to help members live healthier, more independent lives. From online fitness classes to reliable health information, these benefits promote physical and mental well-being.

• Fitness Resources: Access free online workout videos, fitness programs, and online classes like Pilates through the AARP Virtual Community Center.
• Health Information: AARP's website and publications offer expert tips on healthy living, nutrition, brain health, and sleep.
• Brain Health: The Staying Sharp program provides recipes and exercises designed to boost mental acuity.
• Online Games: AARP offers a wide selection of free online games, including puzzles and solitaire, to keep your mind sharp.

Tools for Financial Planning and Career Growth

Navigating finances and careers after 50 is another key focus for AARP. The organization provides resources to help members manage their money and continue working or find new opportunities if they choose.

• Financial Guides: Access articles, tools, and calculators for retirement planning, budgeting, and investing.
• Fraud Protection: The AARP Fraud Watch Network arms members with the knowledge to identify and avoid scams.
• Career Resources: For those seeking to work part-time or start a new career, AARP provides job boards, resume review services, and skill-building workshops.

AARP vs. Alternative Senior Discounts

Feature	AARP Membership	Alternative Senior Discounts (e.g., individual offers)
Access	Single annual fee provides access to hundreds of partners and benefits.	Requires searching for and obtaining discounts from each individual company.
Consistency	Discounts are generally reliable and clearly advertised for members.	Can be inconsistent, may vary by location, and are sometimes less publicized.
Advocacy	Provides a powerful, collective voice on national and state policy issues affecting seniors.	Offers no collective political advocacy.
Resources	Includes access to magazines, online content, and events focused on senior issues.	No centralized hub for educational materials, wellness resources, or community events.
Insurance	Offers exclusive rates and tailored insurance products through partners.	Limited to whatever individual companies offer, often with less favorable terms.
Community	Access to local chapters and volunteer opportunities.	No formal community structure included.

The Value Proposition: Is AARP Right for You?

Whether an AARP membership is a worthwhile investment depends on your individual needs and habits. For those who frequently take advantage of travel, dining, or insurance discounts, the annual fee can be easily offset. The average member saves an average of $73 a year through rewards alone. However, the value extends beyond just financial savings.

The advocacy and educational resources are significant, especially for those who want to stay informed and engaged on issues like Social Security and Medicare. The availability of caregiver support, wellness guides, and financial tools adds another layer of benefit. It's not just about what you save, but also about the information and support you gain to navigate life after 50. Ultimately, if you anticipate using a handful of the programs, the membership provides a low-cost entry into a large network of resources designed to empower your lifestyle.

Conclusion: Weighing the Benefits Against the Cost

Determining what's the point of joining AARP involves weighing the immediate financial savings against the broader, less tangible benefits of advocacy and resources. For a minimal annual fee, members gain access to a powerful lobbyist for senior issues, a wealth of valuable information, and a large directory of discounts. For many, this comprehensive package offers a solid return on investment, enabling a more informed, secure, and independent aging experience. For more detail on membership benefits, you can review the official AARP site at AARP.org.

Frequently Asked Questions

How much does an AARP membership cost?

A standard annual membership costs $20 per year. However, you can join for as little as $15 for the first year if you sign up for automatic renewal. Multi-year options are also available at a discounted annual rate.

Can I join AARP if I'm not yet 50?

Yes, AARP membership is open to anyone aged 18 or older. While some age-restricted benefits like specific insurance products may require you to be 50, most discounts and resources are available regardless of age.

What happens if I already have a spouse or partner on my membership?

Each AARP membership comes with a free secondary membership for another adult in your household, whether it's a spouse, partner, or other family member. They will receive their own membership card and can enjoy the same benefits.

Does AARP influence Medicare and Social Security policy?

Yes, AARP is a nonpartisan organization that actively advocates on behalf of its members regarding government policies. It works to protect and strengthen programs like Social Security and Medicare at both the federal and state levels.

How does AARP help with prescription drug costs?

AARP advocates for legislation to lower drug prices and offers a free Prescription Discount Card. While the card is available to anyone, members receive deeper discounts and extended coverage options on FDA-approved medications.

What is the AARP Rewards program?

AARP Rewards is a loyalty program where members can earn points for completing activities on the AARP website. These points can be redeemed for various rewards, and members earn 50% more points than non-members.

How do AARP benefits help caregivers?

AARP offers a range of resources and support for family caregivers, including informational guides, tools for managing care, and advocacy for policies that support caregivers with tax credits and family leave.