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Letter from the President

Ken Smith
For 35 years, The Association of Retired Americans has provided valuable service to Senior Americans. Today, our programs are more timely and necessary than ever before.

As you browse through this site, you will find links to the ARA Careington Ultimate Discount Plan. I am certain most of you will decide to sign up for the ARA Ultimate program, which offers the deepest discounts and best value for you.

When you join ARA, you open the door to savings for you and your family. Lifestyle enhancements now and for years to come.

Welcome to ARA and the personal service we provide you!
-- Ken Smith


Upgrade from Basic to Ultimate Click Here!
All the benefits of your current Basic Membership plus:
Life Card, Podiatry Plan, Vitamin and Nutritional Supplements, Careington POS Dental, VSP Choice Access Plan, Diabetes Management and Amplifon Hearing

Savings • Opportunities • Personal Service

The Association of Retired Americans (ARA) helps active Americans secure a better life.

There’s no reason for you to pay retail prices any more for the products and services offered by ARA.

Healthcare Savings Travel & Leisure Shopping


IF you are a current member of, Please Click Here  to update your login and view your benefits.

You Don’t Need To Be Retired To Join ARA
Click Here

You Don’t Need To Be Retired to Join ARA

We have designed our membership plans for active Americans age 45 plus. Those under age 45 can also join as an associate member, enjoying all the features of ARA except voting on Association issues or any specified age-restricted programs.

And, even if you belong to another senior organization, you should belong to ARA.

Our user-friendly approach gives you the personal service you need. (No complicated voice-recorded phone systems!)


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 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.*

This plan provides discounts at certain health care providers for medical services. The range of discounts will vary depending on the type of provider and service. This plan does not make payments directly to the providers of medical services. Plan members are obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount medical plan organization. You may access a list of participating health care providers at Upon request the plan will make available a written list of participating health care providers. You have the right to cancel within the first 30 days after receipt of membership materials and receive a full refund, less a nominal processing fee (nominal fee for MD residents is $5).

Discount Medical Plan Organization and administrator: Careington international Corporation, 7400 Gaylord Parkway, Frisco, TX 75034; phone 800-441-0380. This plan and its administrators have no liability for providing or guaranteeing service by providers or the quality of service rendered by providers. This plan is not available in Montana, Vermont or Washington State.

*Medicare statement applies to MD residents when pharmacy discounts are part of plan.

Membership Plans

ARA Basic
ARA Careington Ultimate Discount Plan

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Click on the links above to view more details on each of these plans.
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Your ARA SAVINGS can easily add up to hundreds or thousands of Dollars…Dollars you can spend on your family, for leisure activities or other expenses.

Resources for Seniors
ARA Member Services: 1-800-806-61600
ARA National Service Foundation • A 501(c)3 Charitable Foundation
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