In a world where savvy saving and smart lifestyle choices matter more than ever, the AARP (American Association of Retired Persons) stands as a beacon for adults aged 50 and older. With over 38 million members, AARP is more than just a nonprofit—it’s a gateway to exclusive savings, practical resources, and advocacy. But what do you actually get when you become a member?
This in-depth guide explores the full range of AARP membership benefits, helping you determine how this modest annual investment can deliver substantial returns in the form of services, discounts, and community empowerment.
What is AARP?
Founded in 1958, AARP is a nonprofit, nonpartisan organization dedicated to empowering Americans over 50 to choose how they live as
they age. Membership is open to anyone aged 18 or older, though most benefits are geared toward individuals 50 and above.
Membership costs just $15 per year, with multi-year discounts available. For that low fee, members gain access to an impressive suite of benefits across categories like health, finance, travel, lifestyle, and advocacy.
Top AARP Membership Benefits
1. Exclusive Discounts Across Industries
AARP’s signature offering is its extensive discount program. From restaurants to car rentals and insurance, members enjoy substantial savings, often enough to recoup their membership fee many times over.
Travel Discounts
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Hotels: Save up to 15% at Hilton, Wyndham, Best Western, and more.
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Car Rentals: Up to 30% off with Avis, Budget, and Payless.
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Cruises: Special pricing with providers like Grand European Travel and Collette.
Dining and Entertainment
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Restaurants: Up to 15% off at places like Denny’s, Carrabba’s Italian Grill, and Outback Steakhouse.
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Movies and Shows: Discounts on Regal movie tickets and live entertainment.
2. Health and Wellness Support
AARP collaborates with major providers to offer members comprehensive health-related resources.
Vision and Hearing
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Eyewear Discounts: Save at LensCrafters, Target Optical, and more.
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Hearing Aids: Members get up to 20% off through HearUSA and receive free hearing check-ups.
Prescriptions and Medical Services
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Prescription Discounts: The AARP Prescription Discount Card, powered by OptumRx, offers savings on FDA-approved medications.
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Insurance Options: Exclusive access to AARP-endorsed Medicare Supplement plans from UnitedHealthcare.
3. Financial and Retirement Planning Tools
Planning for retirement can be overwhelming. AARP simplifies the process with trusted financial tools and advice.
Investment and Banking Services
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AARP Money Map™: A tool that helps members manage finances, pay off debt, and plan for goals.
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Banking Perks: Access to offers through affiliated banks and credit cards designed for older adults.
Identity Protection and Fraud Alerts
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AARP members receive identity theft protection services through partners like Norton™ and can access fraud watch networks that monitor scams targeting seniors.
4. Insurance Products and Member-Only Coverage
AARP offers a range of insurance plans tailored for members.
Auto and Home Insurance
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Exclusive auto and homeowners insurance plans through The Hartford, with features specifically designed for drivers aged 50+.
Life and Health Insurance
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Life insurance policies with simplified underwriting.
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Dental and vision insurance packages at member-preferred pricing.
5. Work and Job Resources for 50+ Adults
Navigating the job market after 50 comes with unique challenges. AARP offers dedicated support:
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Job Board: Features age-inclusive employers looking for experienced talent.
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Resume and Interview Support: Webinars, workshops, and tools to refine skills and boost confidence.
6. Technology and Online Learning
Staying up-to-date in today’s digital world is key to independence and connection.
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Tech Help: Online tutorials and webinars to help with smartphones, apps, and internet safety.
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Virtual Classes: Free courses in wellness, cooking, fitness, and financial education.
7. Advocacy and Community Involvement
AARP uses its massive member base to advocate for issues affecting older Americans, such as Social Security, healthcare access, and prescription drug pricing. Members can get involved at the local and national levels through volunteer opportunities and events.
Is AARP Worth It?
Let’s do a quick cost-benefit analysis. At $15/year, if you save:
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$50 on hotel stays annually
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$20 on dining out
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$15 on prescriptions
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$100 on auto insurance annually
You’re already ahead by $169 per year, not including other perks. For anyone over 50, or even caregivers and family members helping aging loved ones, an AARP membership offers excellent value.
AARP for Under 50? Yes, You Can Join Too
While AARP is geared toward the 50+ crowd, anyone 18 or older can become a member and enjoy most of the benefits. This is especially useful for caregivers or younger spouses who want access to health resources, financial tools, or discounts.
How to Join AARP
Joining is simple:
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Visit aarp.org
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Choose a membership term (1–5 years, starting at $15/year)
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Enroll online, by phone, or by mail
Members receive a physical and digital membership card, along with immediate access to benefits.
Tips for Making the Most of Your AARP Membership
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Download the AARP App: Track discounts, access your digital card, and get event alerts.
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Subscribe to AARP The Magazine: One of the most-read publications in the U.S., filled with valuable insights and lifestyle features.
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Set Up Email Alerts: Get notifications for new discounts, webinars, and advocacy initiatives.
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Explore the AARP Rewards Program: Earn points for learning and redeem them for gift cards and sweepstakes entries.
Final Thoughts
AARP is more than just a discount club—it’s a multifaceted resource for older adults striving for a healthy, secure, and fulfilling life. Whether you’re looking to stretch your retirement dollars, plan for the future, or simply enjoy life a bit more, AARP membership delivers genuine value.
With so many benefits packed into one low annual fee, joining AARP is a smart move for anyone interested in aging wisely and living well.
