Where can I use my AARP benefits? A Comprehensive Guide to Discounts and Savings

With over 38 million members, AARP offers a wide network of exclusive discounts and services. Many members ask where can I use my AARP benefits to best maximize these savings on everything from travel and entertainment to daily essentials and insurance.

Quick Summary

AARP benefits can be used across a vast network of partner businesses spanning travel, dining, health, and more. Members can access these perks via the AARP website, the AARP Now mobile app, or by presenting their physical or digital membership card at participating retailers.

Key Points

• Access Discounts Digitally: Use the AARP Now app to quickly find nearby benefits and display your digital membership card at participating locations.

• Save on Travel: Benefit from significant discounts on car rentals with Avis and Budget, plus savings on hotels from Wyndham and Best Western.

• Enjoy Dining Deals: Present your card at dozens of national chains like Denny's, Outback Steakhouse, and Carrabba's for discounts on your meals.

• Reduce Healthcare Costs: Access deeper discounts on prescriptions through Optum Rx and save on vision and hearing care services.

• Enhance Financial Security: Leverage AARP's partnerships for discounted insurance rates, fraud prevention resources, and valuable financial planning tools.

• Explore All Offerings Online: The AARP website provides a comprehensive, searchable list of all benefits, allowing you to browse or filter by category.

Your Guide to Maximizing AARP Benefits

For many Americans, an AARP membership represents more than just a card in their wallet—it's a gateway to a wealth of resources, discounts, and services designed to empower individuals as they age. Navigating the full scope of these benefits can be complex, but with the right information, you can unlock significant savings and access valuable support systems for your health, finances, and lifestyle. This guide details exactly where and how you can use your membership to get the most out of it.

Travel and Lodging Discounts

Your AARP card is a powerful tool for any travel plans, offering substantial savings on hotels, car rentals, and vacation packages. Whether you're planning a cross-country road trip or a relaxing cruise, a wide range of travel partners offer member-exclusive deals.

• Hotels and Resorts: Save at major hotel chains worldwide, including discounts of up to 10% or more at Wyndham, Best Western, and Choice Hotels properties.
• Car Rentals: Get significant savings and additional perks from companies like Avis, Budget, and Payless, including up to 35% off base rates, free upgrades, and an additional driver at no extra cost.
• Cruises and Packages: AARP Travel Center Powered by Expedia offers exclusive deals on cruises, flights, and vacation packages. You can also find discounts on specific cruise lines like Holland America Line.
• Travel Insurance: Protect your trips with special rates on travel protection services, giving you peace of mind while exploring.

Dining and Entertainment Savings

Enjoying a meal out or an evening at the movies doesn't have to break the bank. Numerous restaurants and entertainment venues have partnered with AARP to offer valuable discounts.

• Restaurants: Receive discounts at dozens of national restaurant chains, including Denny's (15% off), Bonefish Grill (10% off), and Outback Steakhouse (10% off).
• Movie Tickets: Get discounted e-tickets for select theater chains nationwide, helping you save on your next cinematic experience.
• Live Events: Members can get discounts on live events and shows, including up to 30% off Cirque du Soleil tickets.
• Online Games and Events: AARP also offers a wide array of free online games, movie screenings, and virtual community events to keep you entertained from the comfort of home.

Health and Wellness Benefits

Health is a top priority, and AARP provides a variety of resources to help members save on medical costs and maintain their well-being.

• Prescription Discounts: The AARP® Prescription Discounts program, provided by Optum Rx®, is open to everyone, but AARP members receive even deeper savings on FDA-approved medications at over 66,000 retail pharmacies like CVS, Walgreens, and Walmart.
• Vision and Hearing Care: Take advantage of discounts on eyewear from retailers like LensCrafters and Target Optical, and save on comprehensive vision plans through VSP. You can also get free hearing tests and discounts on hearing aids.
• Insurance: AARP, through partners like UnitedHealthcare and New York Life, offers various insurance products, including Medicare Supplement plans, life insurance, and dental coverage.

Shopping and Everyday Savings

Your membership can provide relief on everyday expenses, from groceries to household services.

• Groceries: Find local coupons and discounts on groceries through the AARP website and app.
• Wireless Plans: Partnered with Consumer Cellular, members can receive discounts on monthly service fees and accessories.
• Home Services: Save on home insurance through The Hartford and get discounts on home security systems and moving services.
• Shipping: Get discounts on eligible products and shipping services at UPS.

Insurance and Financial Services

Beyond basic discounts, AARP provides a suite of services to help you manage your finances and protect your assets.

• Auto and Home Insurance: Save on auto insurance from The Hartford, which reports an average annual savings of $577 for members who switch. Bundle auto and homeowners insurance for even greater savings.
• Fraud Protection: Access the AARP Fraud Watch Network for resources, tools, and a scam-tracking map to help protect you from financial scams.
• Financial Planning: Utilize resources and tools to aid in financial planning, retirement, and tax preparation.

How to Find and Use Your Benefits

Accessing your benefits is simple and can be done in several ways. The most convenient method is often digital, but you can also use your physical card.

• The AARP Now App: The official app puts your digital membership card, daily news, local events, and nearby benefits in the palm of your hand. Enable location services to get alerts when you're near a participating location.
• AARP.org Website: The AARP website provides a comprehensive directory of all member benefits. Visit the benefits page and search by category or enter your zip code to find local deals. You can explore all available discounts and programs at https://www.aarp.org/membership/benefits/all-offers-a-z/.
• The Physical Card: Always carry your physical AARP card, as many retail and restaurant partners require you to present it to receive your discount.

Comparison of AARP and Non-Member Rates

Category	AARP Member Benefit	Non-Member Standard Offer (Hypothetical)
Hotel Stay	Up to 10% off at Choice Hotels	Standard publicly available rate
Car Rental	Up to 35% off base rates at Avis	Standard publicly available rate
Restaurant	15% off at Denny's	No discount applied
Prescriptions	Deeper discounts via Optum Rx	Basic discount card savings
Auto Insurance	Average annual savings of $577 with The Hartford	Standard rate without member discount
Wireless	5% off monthly fees with Consumer Cellular	Full retail price

Conclusion: The True Value of Your Membership

An AARP membership provides far more than just a list of discounts. It is a powerful tool that helps you save money on everything from major purchases like insurance and travel to everyday expenses like dining and groceries. By exploring the full range of benefits available online, in the app, and in your local community, you can maximize your savings and enjoy a higher quality of life. The diverse offerings address the core needs of individuals 50 and older, making membership a valuable investment in your future.

Frequently Asked Questions

Who is eligible to use AARP benefits?

AARP membership is open to anyone aged 18 and older, although its mission is focused on those 50 and over. Discounts and services are available to all members regardless of age.

Can I use my AARP benefits online?

Yes, many AARP benefits can be used online. Members can access a variety of deals, including travel packages, shopping discounts, and access to online courses and events, by logging into their account on AARP.org or using the AARP Now app.

Can my spouse or partner also use my AARP benefits?

Yes, a standard AARP membership allows you to add a spouse or another household member for free. They can also take advantage of the discounts and resources offered.

How do I find local AARP discounts near me?

The easiest way to find local AARP discounts is by using the AARP Now app. It features a 'Nearby' view that shows participating restaurants and retailers on a map. You can also search for local deals on the AARP website by entering your zip code.

What is the AARP Now app and why should I use it?

The AARP Now app provides instant digital access to your membership card, exclusive discounts, and local events. By enabling location services, you can receive alerts about deals when you are near a participating partner.

Do I need my physical AARP card to get a discount?

While it's wise to carry your physical card, many places will accept your digital membership card from the AARP Now app. However, it's always best to have both available, as some retailers may specifically ask for the physical card.

Are there different levels of AARP membership?

While there is a standard membership, AARP also offers add-ons like the Digital Vault for secure document storage. Some benefits, like deeper prescription discounts, are exclusive to members.

How can AARP help with finances and planning?

AARP offers resources and services related to financial planning, retirement, fraud prevention, and more. Members can access tools and information to manage their budget, protect their assets, and prepare for the future.