20 Pros and Cons of AARP Membership

The pros of AARP membership are insurance coverage, discounts on dining, shopping, technology, eyewear, vision exams, hearing care, prescription discounts for the family, and advocacy on important issues, along with community and social opportunities due to its open membership age policy and $12 first-year membership fee.

The cons of AARP membership are the potential for overdependence on discounts, confusion over member benefits, privacy concerns with shared information, and varying quality of partner services, necessitating a cautious assessment for prospective members.


  • AARP membership offers a diverse range of benefits for individuals aged 50 and older, including significant discounts on essential services and products, savings on flights, hotels, restaurants, and everyday expenses, and exclusive discounts on event tickets and prescription medications.
  • The cost of AARP membership is affordable, with an initial fee starting at $12 for the first year and an annual renewal fee of $16. There are also opportunities for multi-year savings and a variety of discounts available to offset the membership fee.
  • Renewing AARP membership has a modest yearly renewal rate of $16, with opportunities for savings through multi-year memberships and exclusive discounts to offset the renewal fee. It is seen as an investment that yields substantial returns over time and provides long-term financial value.
  • While there are no documented hidden fees associated with basic membership, it is important to be vigilant in understanding the terms and conditions of discounts and evaluating any potential additional costs from third-party services or products.
Pros of AARP MembershipCons of AARP Membership
Discounts on Various ServicesPolitical Lobbying May Not Align with All Members
Access to Exclusive Information and ResourcesInflux of Marketing Materials and Junk Mail
Affordable Membership FeesLimited Benefits for Younger Members
Open Membership Age PolicyPotential for Overdependence on Discounts
Wide Range of BenefitsConfusion Over Member Benefits
Community and Social OpportunitiesQuality of Partner Services May Vary
Advocacy on Important IssuesPrivacy Concerns with Shared Information
Health and Wellness ProgramsLimited Influence in Organizational Decisions
Educational Workshops and SeminarsRisk of Commercialization
Insurance and Financial ServicesPerceived Stereotyping of Older Adults

Pros of AARP Membership

  1. Discounts on Various Services: AARP membership offers substantial discounts across a range of services including travel, cell phone services, and insurance. These discounts are particularly advantageous as they can lead to significant savings. For example, the discounts offered on travel and hotel bookings can make vacations more affordable for members.
  2. Access to Exclusive Information and Resources: Members receive valuable resources related to Social Security, health, and retirement planning. This includes access to exclusive publications and informational materials which can be vital for making informed decisions during retirement. Additionally, members can enjoy various games and activities curated specifically for them.
  3. Affordable Membership Fees: The cost of joining AARP is relatively low, with the first year costing only $12 and subsequent years at $16 annually. This affordability makes it accessible to a wide range of people, ensuring that the benefits of AARP membership are not limited to only those with higher incomes.
  4. Open Membership Age Policy: AARP allows anyone to join regardless of age, making its benefits accessible to a broader audience. While some programs like health insurance are restricted to those over 50, the majority of AARP’s offerings are available to all members, making it a versatile organization.
  5. Wide Range of Benefits: Beyond just discounts and resources, AARP membership includes a variety of other benefits. These can range from exclusive travel opportunities to special events and workshops, catering to the diverse interests and needs of its members.
  6. Community and Social Opportunities: AARP provides a platform for members to connect and engage with a community of individuals who share similar life experiences and interests. This can lead to new friendships, social interactions, and a sense of belonging, which is especially beneficial for older adults.
  7. Advocacy on Important Issues: AARP’s role as a lobbying group means that it advocates for policies and legislation that benefit older adults. This advocacy can lead to positive changes in areas such as healthcare, pension security, and elder rights, directly benefiting the members.
  8. Health and Wellness Programs: Members have access to various health and wellness programs, which can be especially beneficial for those in their retirement years. These programs can include fitness initiatives, nutritional advice, and mental health resources, contributing to the overall well-being of members.
  9. Educational Workshops and Seminars: AARP often organizes workshops and seminars on topics relevant to its members, such as financial planning, health care, and technology use. These educational events provide members with valuable knowledge and skills that can enhance their daily lives.
  10. Insurance and Financial Services: Members can avail of specialized insurance and financial services tailored to meet the needs of older adults. These services can offer more favorable terms and conditions compared to standard offerings in the market, providing a financial safety net for members.

Cons of AARP Membership

  1. Political Lobbying May Not Align with All Members: AARP’s strong presence in political lobbying can sometimes result in policies that do not align with the views of all its members. This can be a point of contention for those who may disagree with the organization’s political stances or advocacy efforts.
  2. Influx of Marketing Materials and Junk Mail: Membership often leads to receiving a significant amount of marketing materials and junk mail. This can be overwhelming and annoying for some members, who might find the constant flow of unsolicited mail to be intrusive and unnecessary.
  3. Limited Benefits for Younger Members: While anyone can join AARP, certain benefits, particularly in health insurance, are not available to members under 50. This age restriction means that younger members may not fully benefit from all that AARP has to offer, potentially making membership less valuable for them.
  4. Potential for Overdependence on Discounts: Members might become overly reliant on the discounts offered, which could lead to unnecessary spending. The lure of discounts can sometimes encourage members to purchase services or products they wouldn’t normally buy, which could be counterproductive financially.
  5. Confusion Over Member Benefits: The wide array of benefits can sometimes be confusing or overwhelming, especially for new members. It can be challenging to navigate and understand all the offers and services available, leading to underutilization of the membership.
  6. Quality of Partner Services May Vary: The quality and value of the services and products offered at a discount through AARP partnerships can vary. Members might find that some discounts do not provide as much value as others, or that the quality of the discounted services is not up to their expectations.
  7. Privacy Concerns with Shared Information: By becoming a member, personal information is often shared with third-party companies for marketing purposes. This can raise privacy concerns for members who are sensitive about their personal data being used for marketing.
  8. Limited Influence in Organizational Decisions: As a large organization, individual members may feel that they have limited influence or voice in the overall direction and decisions of AARP. This can lead to a sense of detachment or dissatisfaction with the organization’s choices.
  9. Risk of Commercialization: There is a risk that AARP’s focus on offering discounts and partnerships with commercial entities may overshadow its advocacy and community support roles. This commercialization could detract from the organization’s primary mission of serving the interests of older adults.
  10. Perceived Stereotyping of Older Adults: Some may feel that AARP’s marketing and services perpetuate stereotypes about older adults, particularly regarding their lifestyle and needs. This could be off-putting for those who do not identify with these stereotypes or who seek a more diverse representation of their age group.

AARP Membership Benefits

AARP membership offers a diverse range of benefits, including significant discounts on essential services and products for members, designed to enhance the quality of life for individuals aged 50 and older.

The affordable membership, which starts at $12 for the first year with automatic renewal and $16 annually thereafter, opens up a world of savings on flights, hotels, restaurants, and even everyday expenses like cell phone service, auto and homeowners insurance.

Members enjoy exclusive discounts on event tickets and can significantly cut costs on prescription medications, eyewear, vision exams, and hearing care.

The advantages extend to savings on insurance products and essential travel expenses. Members are eligible for up to $10 monthly discount per line with AT&T, offering substantial savings for those who rely on mobile connectivity. Furthermore, members can enjoy reduced rates on British Airways flights, making international travel more accessible. For road trips or local transportation, discounts on hotels, rental cars, and dining at popular restaurant chains provide additional value.

Beyond these tangible financial savings, AARP membership grants access to rewards points at participating retailers, pet insurance options, free and exclusive games, and valuable resources for retirement planning and fraud prevention, thus covering a comprehensive array of needs for the senior demographic.

Cost of AARP Membership

When considering AARP membership, it is essential to understand the associated costs, which include the initial fee and the structure of subsequent renewals.

We will examine the details of the membership fee, the financial implications of annual renewal costs, and whether there are any additional or hidden fees that members should be aware of.

This evaluation will provide a clear picture of the financial commitment required for AARP membership and its value proposition.

Membership Fee Breakdown

Understanding the cost structure of an AARP membership is essential for individuals considering the benefits. The fees start at an affordable $12 for the first year with automatic renewal and increase to $16 in subsequent years.

Here’s a breakdown of the membership fee structure to consider:

  • First-Year Discount: Initial membership is only $12 when you sign up for automatic renewal, offering a significant saving for the first 12 months.
  • Subsequent Years: After the first year, the regular annual membership fee is $16, which continues to provide access to the full range of AARP benefits.
  • Multi-Year Savings: Opting for a multi-year membership plan can lead to additional cost savings, reducing the average annual cost.

AARP membership also includes a variety of discounts that can offset the membership fee. These discounts include savings on event tickets, health products, travel deals, and more.

Renewal Costs Explained

Beyond the initial membership fee, it’s important to consider the renewal costs, which play a crucial role in the long-term value of an AARP membership.

The standard yearly renewal rate is a modest $16, which is relatively accessible for many individuals over the age of 50 seeking the benefits that AARP provides. Moreover, there are opportunities to reduce this cost through multi-year memberships, which offer savings over the annual payment option.

Members can capitalize on a multitude of exclusive discounts that can easily offset the renewal fee, including savings on travel, insurance, dining, events, prescription medications, eyewear, and hearing care.

For those who utilize these services regularly, the AARP membership can be seen as an investment that yields substantial returns over time.

Hidden Fees Insight

While the AARP membership is known for its affordability and wide array of discounts, it’s essential to analyze if there are any hidden fees that could affect the overall cost for members.

To provide clarity, here are some key points to consider:

  1. The base membership fee is $16 annually, with options for multi-year discounts.
  2. There are no documented hidden fees directly associated with the basic cost of AARP membership.
  3. Potential additional costs may arise from third-party services or products that offer discounts to AARP members, and these should be evaluated individually.

Members should remain vigilant about the terms and conditions of each discount or service to ensure they are fully aware of any extra charges that could be incurred.

AARP Travel Discounts

AARP members can tap into a range of travel discounts, which include reduced rates on flights, accommodations, and car rentals, potentially offering savings that may exceed the annual cost of the membership itself. These travel discounts are a significant benefit, as they provide opportunities for members to save on various aspects of their travel plans throughout the year.

Exclusive discounts on British Airways tickets can be particularly appealing, as they may cover the cost of the AARP membership. Moreover, the membership extends beyond just travel-related savings. For instance, members can also enjoy reduced rates on AT&T cell phone services and receive discounts at popular hotel chains and restaurants.

The table below outlines some key travel-related discounts available to AARP members:

Discount CategoryExamples of Savings
FlightsDiscounts on British Airways tickets
HotelsReduced rates at certain hotel chains
Car RentalsLower rental rates at participating agencies
RestaurantsSavings at affiliated dining establishments
AT&T ServiceReduced rates on cell phone plans

In addition to cost savings, AARP membership includes access to valuable financial resources and retirement planning information, further enhancing the overall value proposition for members, especially those who travel regularly.

Insurance and Health Perks

Members benefit from an assortment of insurance and health-related discounts through AARP. These discounts include savings on auto and homeowners insurance, which could lead to substantial bundling benefits. The organization’s partnerships with insurance providers offer members exclusive rates that could notably decrease their annual expenses. By leveraging these discounts, AARP members can enjoy enhanced financial flexibility in managing their insurance needs.

Beyond personal insurance savings, AARP membership extends into various health perks that can contribute to members’ wellness and pocketbook. Here are three key benefits:

  1. Prescription Discounts: Members have access to the AARP Prescription Discounts provided by OptumRx, potentially saving on FDA-approved medications at participating pharmacies.
  2. Vision and Hearing Care: Significant discounts on eye exams, glasses, hearing aids, and other related services are available to members through participating providers.
  3. Wellness Program Offers: Discounts on programs and services that promote healthy living, including gym memberships and fitness trackers, are also part of AARP’s health-related benefits.

These insurance and health perks are designed to offer AARP members not only savings but also improved access to quality care and resources that can enhance their overall quality of life. With a focus on the needs of the 50-plus demographic, AARP’s curated benefits package underscores their commitment to the well-being of their membership base.

AARP Advocacy Efforts

AARP’s commitment to advocacy plays a pivotal role in shaping the policies that affect aging populations, particularly in the realms of Medicare and Social Security.

With a focus on legislative influence and consumer protection, the organization dedicates resources to defending and advancing the interests of its members.

These efforts extend to health policy campaigns, where AARP seeks to ensure accessible and affordable healthcare for seniors.

Legislative Influence

Through its robust advocacy efforts, the organization influences legislation and policies at various government levels, aiming to ensure the well-being and financial security of nearly 38 million older adults. AARP’s legislative influence is substantial and multifaceted, impacting critical areas of concern for its members.

To add depth and illustrate the scope of AARP’s legislative influence:

  1. AARP lobbies for affordable health care options and works to lower prescription drug costs, striving to make essential medications accessible for retirees.
  2. The organization is a vocal defender of Social Security and Medicare, safeguarding these programs against cuts and ensuring their longevity for future generations.
  3. AARP actively addresses issues of financial security and independence, advocating for policies that support older Americans’ ability to live with dignity and choice in their later years.

Consumer Protection Focus

Advocating for stronger consumer protections, the organization concentrates on safeguarding the health, financial stability, and safety of older adults. AARP’s commitment to consumer advocacy is evident in their efforts to ensure that members are equipped with the necessary tools and knowledge to navigate complex issues impacting their well-being.

Focus AreaBenefit to MembersAARP Advocacy Actions
Prescription DrugsLower costsPushing for price transparency
HealthcareAccess to improved technologyPromoting advancements in telehealth
Financial SecurityInformed decisions on Social Security & savingsOffering resources and guidance
Personal SafetyCombatting age discriminationAddressing ageism in various sectors
Legal ProtectionsSafeguarding against fraud and scamsProviding educational materials

AARP’s multi-faceted approach ensures that members have a strong ally in their corner, addressing a wide range of consumer-related challenges.

Health Policy Campaigns

Why should older adults care about health policy campaigns?

Recognizing the importance of accessible and affordable healthcare, AARP actively campaigns on issues such as Medicare reform and prescription drug cost reduction to enhance the well-being of its members. By leveraging the collective voice of its 38 million members, AARP’s advocacy efforts aim to drive significant policy changes that could lead to:

  1. Lower out-of-pocket costs for essential medications.
  2. Enhanced benefits and protections within Medicare.
  3. Innovations in healthcare technology that improve quality of care.

These campaigns align with AARP’s broader mission to foster the health and financial security of older Americans. Through strategic advocacy, AARP endeavors to influence legislation that can have a profound impact on the day-to-day lives of seniors, ensuring dignity and independence in later life.

Potential Membership Drawbacks

considerations for joining a membership

While AARP membership offers various benefits, it also comes with certain drawbacks that prospective members should consider. One notable concern is the influence of lobbyists on AARP’s political activities, which can sometimes lead to policies that not all members may support. Additionally, members often report receiving excessive amounts of junk mail, which can be both annoying and environmentally unfriendly.

Another issue is the marketing tactics used for insurance products. Some members find these tactics to be deceptive, raising questions about the transparency of the benefits being promoted. Similarly, there are concerns about potential conflicts of interest due to AARP’s financial partnerships, which could affect the organization’s impartiality in service recommendations.

Moreover, many of the discounts and deals offered to AARP members are available elsewhere, sometimes without the need for a paid membership. This redundancy can lead individuals to question the value of their membership if they can access similar benefits for free or through other organizations.

The table below summarizes these potential drawbacks:

Influence of LobbyistsMay sway AARP’s political activities
Marketing TacticsCan be perceived as deceptive for insurance products
Availability of Similar BenefitsDiscounts and deals could be found elsewhere

AARP Educational Resources

resources for aarp members

AARP offers a wealth of educational resources, including financial tools and expert advice on retirement planning, designed to empower older adults in their decision-making processes. Recognizing the importance of staying informed and educated, AARP provides its members with resources to help navigate the complexities of financial planning, health care, and personal growth during their retirement years.

Here are three key educational resources AARP provides to its members:

  1. Monthly Magazines: AARP’s publications are a treasure trove of information, covering topics from the latest in health advice to financial planning. They serve as a reliable source for those seeking guidance on a variety of issues pertinent to the aging population.
  2. Online Financial Tools: AARP’s website features online tools that assist with budgeting, retirement planning, and even entrepreneurship. These resources are invaluable for members looking to manage their finances or start a new business venture in later life.
  3. Expert Advice and Guidance: Whether it’s staying up-to-date on new medical services, understanding end-of-life investments, or finding inspiration through motivational stories, AARP’s educational content provides a comprehensive guide to many aspects of life after 50.

AARP’s educational offerings extend beyond mere information dissemination, aiming to inspire confidence and action among its members, thereby enhancing their quality of life.


In conclusion, while the allure of manifold discounts and resources may beckon those of eligible age, a discerning evaluation of AARP membership reveals a multifaceted picture.

Cost-benefit analysis is imperative, as the balance of affordable membership fees against the value of potential savings and advocacy remains a personal reckoning.

The decision, therefore, hangs in a delicate equilibrium, with each individual poised to weigh the tangible advantages against the less quantifiable implications of joining this established organization.