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8 Senior Membership Organizations: Comparison

Are you a member of a senior discount membership organization? Perhaps you’re considering membership but haven’t decided on the best fit for you yet. Or perhaps membership organizations aren’t on your radar right now. Whether you’re looking to find a membership organization or switch from your current one, we’ve got all the details on the eight biggest senior discount membership organizations in the United States.

Membership of these organizations is a good investment for many seniors. Members receive a range of benefits, from medical and dental to insurance and travel. Most organizations also speak out on senior issues and advocate for a better life for citizens in their 60s, 70s, 80s and older. In fact you can benefit from some organizations from as early as age 50.

8 senior membership organizations

Not sure which organization is best for you? Our at-a-glance guide is here to help. Let’s take a look at how each organization shapes up.

Senior Membership ComparisonAgeCostSpouseDiscounts, Religious or Advocacy Group?
60Plus60FreeFreeAdvocacy
AARP50$12/yrFreeDiscounts and Advocacy
ASA50$15/yrFreeDiscounts and Advocacy
AMAC50$16/yrFreeDiscounts and Advocacy
CAP50$14.95/yrFreeDiscounts and Religious
CSAn/a$12.95FreeDiscounts, Religious and Advocacy
NAOCS60First year free, $12/yr after year 1FreeDiscounts and Advocacy
TSCno min age$10/single/yr$13 per coupleDiscounts and Advocacy

Senior Membership Organizations in Alphabetical Order

60 Plus Association

The 60 Plus Association was founded to lobby for issues it holds dear, namely free enterprise, fewer taxes and less Government. Their main priority is to end the federal estate tax and preserve social security. Does not sell supplemental insurance or provide discounts.

Membership age: 60
Cost: Free to join, donations accepted
Spouse: Free
Benefits: Does not provide specific benefits but is more an advocacy group focusing on senior issues with a special interest in less taxes, less government, and gun rights.
History: Founded in 1992
Membership numbers: Unreported
Affiliation or outlook: Nonpartisan

RELATED: BEST SENIOR DISCOUNT LIST FOR RESTAURANTS

American Association of Retired Persons (AARP)

AARP is a large non-profit organization that offers a wide range of benefits to its 38 million members. AARP was originally founded to help retired teachers who needed help with health insurance, and now promotes a focus on quality of life at all ages, while advocating for positive social change.

Membership age: 50
Cost: Starts at $12 for the first year
Spouse: Joins free
Benefits: Banking and financial services; medical insurance; dental, hearing and eye care and purchases; insurance policies including life insurance, home, motor, pets and business; Savings on rail and air travel, car rental, cruises and hotels; discounts on a range of purchases from partners, including groceries, flowers, dining, entertainment and automotive.
History: Founded in 1959 by Ethel Percy Andrus
Membership numbers: Close to 38 million
Affiliation or outlook: Tends to be liberal leaning

American Seniors Association (ASA)

ASA was founded to be a voice for American Seniors. The organization is conservative in outlook and is built on five foundations: Rebuilding national values, reforming social security, reforming Medicare, reforming the tax code and controlling Government overspending.

Membership age: 50
Cost: Starts at $15 per year
Spouse: Joins free. There is also an option to sign up a parent for free.
Benefits: Healthcare plans including vision, dental, cancer care, lifeline cardiovascular screening; savings on prescriptions; travel club including savings on travel, hotels, resorts, restaurants and travel insurance; auto insurance and loans; financial services and loans; one touch emergency calling; fall alerts; identity theft protection; savings on cell phone plans; grocery and gift discounts.
History: Founded in 2005
Membership numbers: Unreported
Affiliation or outlook: Conservative

Association Of Mature American Citizens (AMAC)

AMAC began as a small start-up organization in 2007 and now has over a million members. AMAC was founded to provide an organization for Conservative seniors and to advocate for their interests. As well as political lobbying, AMAC offers a wide range of benefits to its members.

Membership age: 50
Cost: Starts at $16 per year
Spouse: Joins free
Benefits: Financial services including AMAC MasterCard, loans and advice; medical insurance; home, life, health and auto insurance; real estate services; roadside assistance; discounted dental and eyesight; reduced prescription costs; discounts on hotel bookings and car rental; retail savings including Office Depot, Papa John’s and 1-800-flowers; identity theft protection.
History: Founded in 2007
Membership numbers: A million plus
Affiliation or outlook: Conservative

Christian Association of PrimeTimers (CAP)

CAP was founded to provide a Christian alternative to AARP. The organization is based around strong Christian values – members don’t have to subscribe to the same values, but organizational decisions are made based on them.

Membership age: 50
Cost: Starts at $14.95 per year
Spouse: Joins free
Benefits: Retirement and savings plans; discounts at Today’s Christian Living online store; access to or discounts on home care services, doctors on call, Christian health ministries and laboratory testing; hearing devices; savings on pet care; LifeFone emergency response; life, home, health and auto insurance; legal services; real estate and moving services; discounted travel and hotel stays; discounted subscriptions to a range of Christian magazines and ministries.
History: Founded as a Christian alternative to AARP
Membership numbers: Unreported
Affiliation or outlook: Conservative, Christian

Christian Seniors Association (CSA)

CSA was originally founded to speak out about what it saw as serious issues in social security. The organization has now expanded to cover other Christian and Conservative concerns, and also offers a range of benefits to its members.

Membership age: Not Stated
Cost: $12.95 per year
Spouse: Joins free
Benefits: Insurance services including medical, dental, visual, medical supplement plans, critical illness cover and hospital indemnity; cash back benefits; prescriptions savings; travel insurance.
History: Founded in 2003
Membership numbers: Unreported
Affiliation or outlook: Conservative, Christian

National Association of Conservative Seniors (NAOCS)

NAOCS was founded to provide a voice for American seniors and to uphold Conservative values. It promotes the value of military service, small business support, strong family bonds and faith based living, and offers a range of benefits to members.

Membership age: Recommended 60+ but younger members are welcome to support the organization.
Cost: First year is free, subsequent years start at $12 a year.
Spouse: First year is free
Benefits: Discounts on hotel bookings, cruises and car rentals; grocery, restaurant and other retail savings; long term care insurance; pharmacy and doctor locator; Medicare benefits; savings on auto repairs, insurance and roadside assistance; mortgage and investment support.
History: Founded in 2012
Membership numbers: Unreported
Affiliation or outlook: Conservative, Christian

The Seniors Coalition (TSC)

The Seniors Coalition was first founded as a public advocacy group focused on repealing the Medicare Catastrophic Coverage Act. TSC has grown to encompass many issues of concern to American seniors. It has retained its grassroots advocacy roots while expanding the range of benefits offered to members.

Membership age: No minimum age
Cost: $10 per year
Spouse: Not included in membership – couples’ membership is $13 per year
Benefits: Auto and home insurance; savings on prescriptions; discounts on Wyndham hotels; membership of Congressional Federal Credit Union; savings on vision aids from LowVision; savings on Hertz car rentals.
History: Founded in 1990
Membership numbers: More than four million
Affiliation or outlook: Conservative

We hope this overview has given you a look at what’s available and which benefits you can benefit from. Have we missed an organization you love? Or do you have experience with one of these organizations and want to tell us about it? Let us know in the comments.

69 Comments

  1. For all who want ACA, realize you are asking for (eventually) No Choice. This is never the best option. Ask the Veterans about their VA experiences.

    1. I have been using the VA Medical System for 100% of my healthcare for six years. Due to a Vietnam injury, my healthcare care is 100% free. I am 100% satisfied with the doctors, staff and medicines provided. The VA Medical Center provides all MRI’s, CAT scans, lab work, prescription drugs, and they are awesome!

      1. Keith, I agree with you. Although I have to pay for my prescriptions, the care I receive at the VA is head & shoulders above any private hospital I’ve patronized. I’m truly glad the VA Medical Centers exist.

    2. Single Payer is the best choice. Take the insurance company out of the equation. They serve no purpose except to get between you and your healthcare while they are picking your pocket.

      1. Be aware that “single-payer” implies “single-customer” and “single-decision-maker” Every election can mean a complete change in the customer’s instructions about our health care. The government is never the best choice, but for some things, like national security, it is the only way. Whenever there is an option to government control, the option is much better.

      2. So, you’d rather have the government deciding what is best for you, is your life worth the financial cost of attempting to save it? Really? You lose, we all lose.

    1. I’ve seen bad reviews on Travelers Auto Insurance. Have you gotten that and if so, have you had any problems? Have you had a claim or gone into your second year with them?

  2. The information provided is useful. However; Without an actual test of each’s benefits it difficult to make any kind of informed decision. I await your published results if his testing.

  3. Wow, it looks as though most of these advocacy groups exist to advocate the end of programs that benefit seniors. You’d either have to be rich or a fool to join them.

    1. I left AARP in 2009 because they supported taking $700 Billion from Medicare to put toward the ACA (Obamacare). Also AARP gets 50% of its revenue from insurance royalties. Not really advocates of seniors in my mind.

      1. You are right – that is the reason I left them as well. They are very liberal and are more interested in making money rather than supporting senior issues.

        1. Neither are the rest that are listed. Looks like political action groups to take money from seniors. Sad world we live in.

      2. Thank you, I knew there were some issues with AARP, but didn’t have any specifics. This prompted me to do some research and you are absolutely correct. AARP doesn’t seem to be a friend to those who make up it’s organization.

      3. Looking to leave AARP. Is there an alternative that you know of? Do you know if any of these are any better….ASA or 60 Plus or AMAC?

        1. I did the research, and he is absolutely correct. It is there for you to see if you care to look for facts instead of hurling insults.

  4. I’d hate to join AARP again, but their Consumer Cellular 5% discount pays 150% of the membership fee (on a $30 plan). AMAC, which I would LIKE to join is teamed-up with some run-from-a-basement ClubCellular with crappy old flip phones and used iPhones at high prices.

    1. I understand that, but what AARP supports, and how it will hurt you in the long run is worth a few more bucks on your cellular bill.

      1. We have our cell phone thru T-mobile 55+ plan. I pay around $72. If I were not paying for a phone and another device purchased thru them, my bill would total $55 per month. Two lines unlimited everything. Yeah, I know they talk about “throttling” data after so much data use. We have no internet service available where we live(Windstream here, but having had their service, it’s the same as unavailable), and use our hotspot capabilities for everything. And I’ve NEVER been throttled.

    2. I was not happy with AARP’s cell phone service plans. . I switched my Mom back to her Metro PCS..they have good rates and coverage in the NYC area. She is also happier with her phone from Metro, the senior friendly phone was not for her.

    3. See if you can get the discount without having to be a member of AARP. I would not be surprised if they would give you the discount anyway. There are many good low cost options for sell service out there if you shop around. My son just signed up for Google Fi, unlimited calls and text, built in VPN, and works world wide with no additional cost. The monthly rate is lower than any of the major carriers by far.

  5. Thanks for listing these organizations. I’ll check them out.

    I left AARP in 2009 because they supported taking $700 Billion from Medicare to put toward the ACA (Obamacare). Also AARP gets 50% of its revenue from insurance royalties. Not really advocates of seniors in my mind.

    But I’m also not sure any of the others are any “cleaner” though. It will take some checking.

    1. TRUE THAT!!!… When they were showing their truth colors,,, back on 2011, my healthy living was leaving me, and got the rest of me with: my work, my things, my credit going… bazooka!?. And, unexpectedly, my AARP insurance went skyrocket [even having a ‘Save Driver’s License’]. When I contacted them, I was told that according to Florida’s Commissioner was mandatory to increase insurance to people with bad credit [Bkz, the statistics declared *bad credit Will Be a Bad Pay Persona???… . I called the Commissioner’s Office and I discussed with them my circumstances and what AARP did using them to increase peoples [mine] insurance for their own profits [they were many people complaining about AARP] but for my surprise, the lady from the State Of Fl. Comrs. Off. told me that this was not an obligatory issue, was just a ‘Proposal’ by former K.M. McCarty. So, I called back AARP… they were acting as ‘nonchalant’ to the economical damaged that they caused me as an old customer of them with a bad ‘momentum’ at that time […but Not related to my, paying my Ins. bill]. So I switched over, contacted other Ins. companies and I got a nice deal for my persona even better that they where offering older drivers in general. They where going money hungry- increasing Seniors’ cost [for the most part older drivers wont be running crazy & all over the places as younger drivers].

  6. I found the list to be very informative and a great place to start. I appreciate the information on their affiliation or outlook. This helps me to make an informed decision based on my preference. Good Job.

      1. I found it also to be helpful. I have aarp for several years but thinking of going with amac!
        Any pros or cons regarding joining both aarp and amac?

  7. You didn’t mention the Association of Retired Americans (ara-usa[dot]org). Is there a reason for excluding that one?

    1. There’s also the Alliance for Retired Americans (retiredamericans[dot]org).

      I’m not a member of either and don’t know much about them. A third-party view of both would help.

  8. It would be useful for someone to actually review and test the value of the benefits and discounts.

    60-Plus, ASA and AMAC are far more stridently political than this article describes. I wouldn’t call their politics true-conservatism, particularly given the large donations of special interests and self-serving individuals like the Koch brothers. No organization that purports to serve “seniors” should be anti-ACA, but rather pro- improved health care, reduced drug costs and stabilized medicare and social security. A platform of repealing the ACA and eliminating the estate tax, which they all seem to share, is transparently myopic and not fundamentally designed to benefit seniors of all socio-economic strata.

    Is TheSeniorList independent and non-partisan, by the way? Thanks.

    1. Thanks for the feedback Lou! Yes, we absolutely could increase the value of this list by testing out each organization. Will add it to the do-to list. 🙂 TheSeniorList is absolutely independent and non-partisan. We do not endorse any of these organizations, simply providing information. Best, Amie

    2. I joined AMAC after a friend recommended them, and had this experience: The Medicare supplements I purchased were higher than what I found on my own, thus I have dropped them. As well, they were extremely political. In each of their many “surveys” in which I did participated, I was in the lowest percentile of their members in my opinions. I am leaving them as I see no benefit and do not agree with their extreme (yes, extreme) right wing viewpoints.

      1. Well that’s your right to do so in a competitive marketplace. I’m sure there are people that are part of AMAC that might find your views to be “extreme” You’re opinion is subjective to you, and not a reflection of the organization as a whole.

      2. AMAC is NOT extreme right, but is conservative leaning. I am not on Medicare yet, but I have taken advantage of some of their other discounts such as auto insurance, and got rates that are the lowest I have ever had. I also participate in their surveys and almost always find myself in the highest percentile answers. If you feel that AMAC is extreme right, I have to believe that you are extreme left.

      3. If you did look around for Medicare supplements,,,do you realize that all plans include the same coverages as stated by Medicare Rules….but each company can charge as they see fit for the premiums.
        Example would be Blue Cross Plan G..is exactly the same in content/coverage as Aetna Plan G

        but each company can charge the dollar amount they choose to charge.

    3. Perhaps, but since some of us disagree, we can also say that your platform is self serving and myopic.

      Good to let everyone look into the facts without negative opinions to color them.

  9. I am trying to find something and somewhere for my 80 year young aunt to go, maybe once or twice per week. She still drives, but I would love for her to be picked up. We live in Mableton, GA. and I want the place to be a clean, safe, fun and interesting place for her to go and hang out at least twice per week.
    Can you all help me?

    1. Locally, our Senior Services provides a small bus to pick up people from their homes to participate in their activities. I believe it’s free “in town” but being 15 miles away, they would charge. It is not “adult day care” per se. It is a community center for seniors that has scheduled activities like exercise classes, line dancing, yoga, quilting, board games, lunch, etc. They DO offer in home services on a sliding scale for those that do not qualify for Medicaid.

    2. The Office of Aging is a federal organization, providing good information regarding services to those 60 years of age and older. Most services are provided free.

  10. I was with AARP for years until their liberal agenda began using their influence and our financial support to heavily promote the LGBT agenda. They informed me they were just trying to represent all their members. Well, I’m not sure how many senior adults are gay, lesbian, bi-sexual or transgender but I would assume the vast majority are not of that persuasion. Yet, we were supporting that and thereby agreeing with their views and political lobbying. We are out!

    1. Although I am not of the lesbian/gay genders, I know many seniors who are. Often, they are raised and remain Christian or Jewish. We are all in need of safe and honest lives. You probably know someone in your own church, that represents an alternative lifestyle. They don’t advertise!

      1. “they” may not advertise, but a lot of others do advertise for them. Being less than .1% of the population “they” get way to much attention over the rest of us.

    2. I agree, the day you turn 50 AARP applications are in the mail. I signed up unknowingly that they are overwhelmingly liberal and support all the crazy ideas that liberals are embracing these days. I quickly dropped them when I found out they are funding things that go completely against my values.
      I have heard good things about AMAC, so I think I will give them a try.

  11. I don’t think you can call 60Plus nonpartisan, while calling AARP liberal leaning. If 60Plus has the goal of reducing government, I would call them conservative. Probably Libertarian.

  12. Thank you for the detailed list of the 8 senior membership organizations. It was thorough and very informative.

    Jane Barile

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