Q.  Do you have to be retired to join?

A.  No, you do not have to be retired to join the ARA. The only requirement we have is that you be an American citizen. Even those under age 45 may join as associate members. Associate members receive all the same savings features but cannot vote on association issues.


Q.  Will I be billed when it is time to renew?

A.  Yes, you will receive a renewal statement approximately 75 days prior to your renewal date.


Q.  Where can I use my prescription drug card?

A.  The prescription drug discount that is part of your Membership is administered by CVS Caremark. Your Membership Card can be used at more than 59,000 participating pharmacies nationwide (including all major pharmacies).




Please Note: This is NOT insurance, but provides for discounts at certain providers of health care services. The member must pay for all health care services at the time of service, but will receive a discount from those providers who have contracted with the program operator. Please see http://ara.ebccard.com for more information.

Ultimate Plan Disclosures:

THIS PLAN IS NOT INSURANCE and is not intended to replace health insurance. This plan does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00. This plan is not a Qualified Health Plan under the Affordable Care Act. This is not a Medicare prescription drug plan. The range of discounts will vary depending on the type of provider and service. The plan does not pay providers directly. Plan members must pay for all services but will receive a discount from participating providers. The list of participating providers is at the website printed on the membership ID card. A written list of participating providers is available upon request. You may cancel within the first 30 days after receipt of membership materials and receive a full refund, less a nominal processing fee (nominal fee ARA Ultimate Plan for MD residents is $5, AR and TN residents will be refunded processing fee). Discount Medical Plan Organization and administrator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034; phone 800-441-0380.

This plan is not available in Vermont or Washington.

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