Letter from the President
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
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
Savings • Opportunities • Personal Service
The Association of Retired Americans (ARA) helps active Americans secure a better
There’s no reason for you to pay retail prices any more for the products and services
offered by 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 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.*
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 www.aracares.com.
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.
Click on the links above to view more details on each of these plans.
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.