Why join AARP?

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AARP-UHC Plan G really was a no brainer for me. It had the coverage I wanted and was the ONLY community rated plan offered in my state..


The "community rated" has me confused: I thought that meant everyone in the state paid the same, regardless of age. I looked at a couple of zip codes in VT (I believe community rated is the law there) and tried a few ages -- all the premiums were the same.

But when I tried 4 zip codes in Texas (two urban, two rural) the premiums varied by about $30 at 65, and went up by age..or technically a "discount" decreased. Still have to figure out what's happening there.

I'll start another thread with questions about AARP UHC .... thank you!

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EDITED to add: oops. For some reason I thought "community" = "state" but I guess not. Seems to mean zip code or county....
 
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I'm not a huge fan of AARP, but for those who question the politics of the organization, please consider their position.

If a politician from party "A" proposed a bill which will hurt seniors, what exactly can AARP do about it?

In today's partisan environment, if they call out the party "A" politician then everyone in party "A" quits in disgust because "they attacked my team." If they don't call out the politician, then everyone in party "B" quits because they won't go to bat for seniors.

It's a lose-lose.

There is great potential in having an organization which advocates for seniors. I wish we could take off our "my party is always right" blinders and support the ISSUES which mean something to us, instead of the PARTY we happen to belong to.

[Climbing off my soap box now.]

There are two general problems with AARP's advocacy. First is they have no balance. SS and Medicare going broke? They don't care. They lobby for MORE benefits - screw the payroll tax payers.

Second is they get involved in things that are far from senior-specific. They supported the recent infrastructure bill because seniors use highways, mass transit and internet. Really? And they continued to support it even after senior-specific stuff (Medicare prescription drug negotiation) was dropped. Every bill/law that affects Americans affects American seniors - when they pick sides, well then you know where they are coming from. They should stay in their swim lane.

FWIW, I'm a "member" and pay the ~$12/year to get the AARP Bulletin (not bad) and the card. For example, the AARP rate at Hilton beats the Hilton Honors rate by $5 or $6/night. I'll look at their Medicare supplement when the time comes. The glossy AARP Magazine is a terrible celebrity rag, basically People Magazine for 70-somethings, aka "Old People Magazine".

As far as marketing, I get an insurance offer in the mail once every two months or so, but that's it. Emails go to my spam folder so I never see them - but looking in spam there are one or two a week. Not terrible.
 
I just renewed for $49/5 years. Super cheap. I like reading their monthly bulletin and monthly magazine. I prefer the bulletin.

Their website has a lot of good information

I’ve avoided buying anything there, so far.

Do you have a link for the $49/5 years deal? Thanks.
 
<mod note>
The thread topic asks two questions. One is about specific AARP benefits, the other volume of junk mail. Members looking to express political views or get into AARP politics are invited to do so somewhere else.
 
I tried it for a year when I turned 50, 8 years ago. It cost $12 or $13 and they sent me a little tote bag as a free gift, something which has been a very useful item.

The services, discounts, and magazine were all worthless, so I easily declined to renew. They kept sending me renewal notices for at least a year after that, sometimes lowering the price. No interest at all in it.
 
Do you have a link for the $49/5 years deal? Thanks.
I looked at my credit card bill, and last August (2021), I paid $45 for a 5-year renewal. AARP was sending me snail-mail renewal notices for several months, but as I approached my membership expiration date, they would lower the price. Each renewal price had a slightly different URL to use for my online renewal. Unfortunately, I don't have the URL anymore and can't find it in my browser history.

One other AARP benefit I used was for a car rental, I got a better price renting through AARP than I could find elsewhere. I recall on another trip, the friend I was traveling with was a Costco member and we got the best car rental price thru Costco.
 
I joined AARP, mainly to support their lobbying efforts on healthcare legislation. I like the magazine and don't get any junk mail from them.
 
The "community rated" has me confused: I thought that meant everyone in the state paid the same, regardless of age. I looked at a couple of zip codes in VT (I believe community rated is the law there) and tried a few ages -- all the premiums were the same.

But when I tried 4 zip codes in Texas (two urban, two rural) the premiums varied by about $30 at 65, and went up by age..or technically a "discount" decreased. Still have to figure out what's happening there.
In states like Texas that allow attained-age plans, UHC uses a hybrid method. It's a location specific community rate discounted in the early years to compete with the attained-age plans. To confuse matters even more, UHC now offers two versions of Plan G in some locations with different discount schedules.

For Escapees RV zip code 77351, here is the 45% discount schedule for G without gym membership: https://www.aarpsupplementalhealth....t/StatePlanVariations/SA25908TX_WB27538ST.pdf

Here is the 39% discount schedule for G+gym: https://www.aarpsupplementalhealth....t/StatePlanVariations/SA25873TX_SA25731ST.pdf
 
In states like Texas that allow attained-age plans, UHC uses a hybrid method. It's a location specific community rate discounted in the early years to compete with the attained-age plans. To confuse matters even more, UHC now offers two versions of Plan G in some locations with different discount schedules.
/SA25873TX_SA25731ST.pdf


Thanks, MBSC!

I'm slowly getting this figured out ... I think. My two finalists for Plan G may be AARP and Humana. I'll post a separate thread if I have questions about how to compare/evaluate them.


After years of dealing with ACA and open enrollment and having to re-evaluate every year, I really, really want to put Medicare on a almost "set-it-and-forget-it" footing.
 
Thanks, MBSC!

I'm slowly getting this figured out ... I think. My two finalists for Plan G may be AARP and Humana. I'll post a separate thread if I have questions about how to compare/evaluate them.


After years of dealing with ACA and open enrollment and having to re-evaluate every year, I really, really want to put Medicare on a almost "set-it-and-forget-it" footing.

Here, Here! It took me a couple of years on another plan before I got wise and switched.

And if it applies to you, don't forget that 2 people who apply under the same AARP membership number get a "Family" discount.
 
DH paid for a five year family membership since that covers when I’ll sign up for Medicare using the same UHC Medigap policy and we should get an additional discount.

I don’t know if we’ll keep it after that.

Right now we use our AAA discount at hotels - that seems to give a better deal overall.
 
Been watching this forum for about 5-yrs, but this is one of the few posts I've ever made if that is any gage of how I feel about the subject.

Mother's long-term companion passed away about a year ago. He had signed them up for several different AARP insurance programs (along with a bunch of bank accounts and credit cards...a story for another time). ALL the AARP accounts were among the worst to deal with in terms of getting things straightened out, especially their life insurance program. They do not answer email or phone (sometimes just rings endlessly, other times you get a disconnected message). You can only file claims online by submitting their form (which wasn't simple to find). To their credit, once the forms were submitted they paid quickly, but they weren't going to help get you there. Auto insurance nearly as bad. AARP basically farms out their services to the lowest bidder. Still getting junk mail from AARP for step-mother (died 4 yrs ago) and F-I-L (died 2 yrs ago) despite repeated calls/emails/snail mails to AARP. Magazine is OK (but mostly recycled news), but their services are terrible.

Unless you like spending hours on the phone and/or computer, steer well clear of AARP services.

About the only other service that approached their level of non-service was the cable company. Hours on hold (several times) only to have them hang up on you. When I finally did get through, they never did what they said they would. Took several months to get that cancelled.
 
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Been watching this forum for about 5-yrs, but this is one of the few posts I've ever made if that is any gage of how I feel about the subject.

Mother's long-term companion passed away about a year ago. He had signed them up for several different AARP insurance programs (along with a bunch of bank accounts and credit cards...a story for another time). ALL the AARP accounts were among the worst to deal with in terms of getting things straightened out, especially their life insurance program. They do not answer email or phone (sometimes just rings endlessly, other times you get a disconnected message). You can only file claims online by submitting their form (which wasn't simple to find). To their credit, once the forms were submitted they paid quickly, but they weren't going to help get you there. Auto insurance nearly as bad. AARP basically farms out their services to the lowest bidder. Still getting junk mail from AARP for step-mother (died 4 yrs ago) and F-I-L (died 2 yrs ago) despite repeated calls/emails/snail mails to AARP. Magazine is OK (but mostly recycled news), but their services are terrible.

Unless you like spending hours on the phone and/or computer, steer well clear of AARP services.

About the only other service that approached their level of non-service was the cable company. Hours on hold (several times) only to have them hang up on you. When I finally did get through, they never did what they said they would. Took several months to get that cancelled.

Not sure what type of insurance you were dealing with but it must not have been the AARP/UHC medicare supplement. You deal with UHC on that and they are very easy to deal with. I was with Mutual of Omaha Medicare supplement
before and I find the AARP/UHC much better and less expensive.
 
Not sure what type of insurance you were dealing with but it must not have been the AARP/UHC medicare supplement. You deal with UHC on that and they are very easy to deal with. I was with Mutual of Omaha Medicare supplement before and I find the AARP/UHC much better and less expensive.

Didn't have to deal with that one, so can't comment. Life and Auto were terrible. They are all different companies...whichever pays AARP the most.
 
We use our AARP membership for discounts at hotels while on the road. Sometimes the senior discount is the same but sometimes the AARP discount is better and we easily save about $50 a year.

We don’t have AAA since we have emergency auto service from our auto insurance company at about $5 a year. Canceled AAA years ago when their free maps were no longer needed with GPS.
 
Not sure what type of insurance you were dealing with but it must not have been the AARP/UHC Medicare supplement. You deal with UHC on that and they are very easy to deal with.

I agree- I don't need to deal with medical insurance claims very often (thank heaven) but so far have had zero problems with the AARP/UHC Medicare supplement. I signed up because DH, who was 15 years older and had chronic health issues, had a very good experience with them.

I'm sure that experience with other AARP "partners" varies all over the place and are as good as the company that actually sells the product and pays AARP for access to its membership lists and whatever endorsement AARP provides.
 
The AAAP membership easily pays for itself in discounts/offers. I usually throw the magazine/newsletter away on the same day received, but it sometimes has something interesting to read.
 
My cousin died in May 2021. I have gotten several AARP renewal notices for him. Twice, I wrote in big black letters "Member deceased" and mailed it back. Yesterday, his new card came in the mail. I'm wondering how long it will take for them to stop contacting him.
 
What types of deals is the AARP discount better than AAA?
 
When I ask for an AARP discount, I've rarely been asked to prove membership. When I joined for a while a long time ago, they gave me a card with no expiration date, which I flash. No one really seems to care if you really belong. YMMV
 
When I ask for an AARP discount, I've rarely been asked to prove membership. When I joined for a while a long time ago, they gave me a card with no expiration date, which I flash. No one really seems to care if you really belong. YMMV

I have been asked for my membership number when using the discount for a rental car on several occasions.
 
I have been asked for my membership number when using the discount for a rental car on several occasions.
Do they confirm it is an active account number? I'd be surprised it they did. My card has a number on it.
 
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I'm not crazy about their editorial positions for the most part, but their magazines are useful from time to time and their discounts are also useful though YMMV.
 
I have been asked for my membership number when using the discount for a rental car on several occasions.

I have had to type in the number for an online hotel reservation.
 
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