Many businesses and organizations offer discounts to older adults, but these deals aren’t always posted where customers can see them. Sometimes the only way to find out is to ask.
A 10% discount here or a reduced admission fee there may seem minor, but regular savings can add up over the course of a year. Some programs can also cut larger expenses such as insurance, travel, utilities, and property taxes.
Here are 22 discounts and programs worth checking if you’re an older adult.
Discounted Movie Tickets
Many movie theaters have lower ticket prices for seniors, and some offer special discount days. The age requirement varies by theater, so ask about senior pricing when buying your ticket.
If you go to the movies often, even a few dollars off each visit can make a difference over the course of the year.
Reduced Gym Memberships
Fitness centers, gyms, and community recreation programs may offer lower membership rates for older adults. Some Medicare Advantage plans also include fitness benefits that provide access to participating gyms at little or no additional cost.
Check what your local gym offers before paying the standard membership fee.
Senior Discounts at Retail Stores
Some retailers have designated senior discount days or offer reduced prices to older shoppers. Kohl’s, Michaels, JOANN, Ross, and independent stores have offered senior promotions in various locations.
Policies can differ by store, so ask about the current discount before you shop.
Hotel Discounts
Hotels often offer special rates for older guests, with age requirements commonly starting at 55, 60, or 62. These rates may not always appear as the default option when you’re searching online.
Before booking a room, check whether the hotel has a senior rate and compare it with any other available discounts.
Car Rental Discounts
Some car rental companies offer discounts for older adults, while others provide savings through memberships such as AARP.
The discount may vary based on the company, location, vehicle, and rental dates. Checking the senior rate before paying the standard price can take only a minute.
Related: You Can Tell a Boomer’s Garage If It Has These 12 Things
Auto Insurance Discounts
Some insurance companies offer discounts to mature drivers who complete an approved defensive-driving or safe-driving course.
The amount you can save depends on the insurer and your location, but the discount can sometimes make the cost of the course worthwhile. Ask your insurance company which courses qualify before signing up.
Prescription Delivery Services
Some pharmacies and prescription programs offer delivery services, with free or reduced-cost delivery available in certain situations.
For someone who takes several prescriptions or has difficulty making frequent trips to the pharmacy, delivery can also cut down on transportation expenses.
Discounted Eyeglasses and Vision Care
Eye exams, glasses, contacts, and other vision expenses can add up quickly. Some optical stores, vision plans, and membership programs offer discounts for older adults.
Ask about senior pricing before scheduling an appointment or purchasing new glasses. You may also have access to benefits through an existing insurance or Medicare plan.
Free Coffee or Restaurant Perks
Some restaurants offer senior menus, smaller portions at lower prices, free coffee, or other perks for older customers. These offers vary widely, and many aren’t prominently advertised.
If you eat at a restaurant regularly, asking whether they have a senior discount or special can save a few dollars each visit.
Related: How to Use Coffee Grounds on Houseplants
Utility Bill Discounts
Electric, gas, water, and internet providers may have assistance programs for qualifying older adults. Depending on the provider and where you live, you could find reduced rates, payment assistance, budget billing, or other programs.
Since these offers can depend on income and location, contact your utility company or local assistance office to find out what you qualify for.
Prescription Drug Assistance Programs
Medicare beneficiaries with limited income and resources may qualify for programs that help reduce prescription costs. Medicare’s Extra Help program is one example, while individual states may offer additional assistance.
If medication costs are putting a strain on your budget, check whether you qualify before assuming you have to pay the full amount.
National Park Senior Pass
If you enjoy visiting national parks and other federal recreation sites, the America the Beautiful Senior Pass can be a useful purchase. U.S. citizens and permanent residents age 62 and older can qualify for a lifetime pass.
The pass can pay for itself quickly if you visit several federal recreation sites over the years.
Property Tax Relief Programs
Many states and local governments have property tax programs for qualifying older homeowners. Depending on the area, the benefit might take the form of an exemption, reduction, deferral, or tax freeze.
These programs often require an application, and eligibility rules vary. Check with your county or local tax office rather than assuming the discount is automatic.
Related: Why Your Property Taxes Might Be Higher Than Your Neighbors
Senior Banking Benefits
Some banks and credit unions offer accounts or services for older customers. Possible perks include waived monthly fees, free checks, reduced safe-deposit-box fees, or other account benefits.
Bank offerings change, so compare the actual terms with your current account before switching.
Discounted Cell Phone Plans
Several wireless companies offer plans aimed at older customers, with lower monthly rates or simplified plans.
If you’ve been paying for the same cell phone plan for years, check your provider’s current options. You may find that a newer plan costs less while still giving you the calling, texting, and data you need.
Restaurant Discounts
Some restaurants offer senior discounts, although the offer may vary by location and may not appear on the menu.
Before ordering, ask whether the restaurant has a senior discount or special menu. A modest percentage off can add up if you eat out regularly.
Related: 10 Things Grocery Stores Will Often Give You for Free (If You Just Ask)
Grocery Store Senior Discount Days
Some grocery stores offer special discount days for older shoppers. The discount, age requirement, and eligible products can vary from one store to another.
If your local supermarket has one, planning your grocery trip around that day could lower the cost of your regular shopping.
Reduced Admission to Museums and Attractions
Museums, zoos, aquariums, botanical gardens, historic sites, and other attractions often have lower admission prices for seniors.
The savings may be only a few dollars per visit, but frequent visitors can save quite a bit over the course of a year. Check the admission page or ask at the ticket counter before paying full price.
Discounted Public Transportation
Many public transportation systems offer reduced fares for older adults. Depending on where you live, discounts may apply to buses, trains, ferries, or other local services.
Some systems require a special senior identification card or reduced-fare pass, so check the requirements before your first trip.
Travel Discounts
Senior rates can be available for hotels, cruises, tours, rental cars, and other travel services. The age requirement varies, and a senior rate isn’t always the cheapest option.
When booking a trip, compare the senior price with other available promotions before making a reservation.
AARP Member Benefits
AARP offers members discounts and special offers covering areas such as travel, restaurants, entertainment, insurance, and other services.
The value depends on how often you use the benefits. If you already spend money in categories where AARP offers discounts, the membership may be worth considering.
Home Energy Assistance Programs
Older adults may qualify for local, state, or federal programs that help with heating and cooling expenses. Assistance can include help paying utility bills, weatherization services, or support for certain home energy improvements.
Eligibility often depends on income, household size, location, and other factors. Contact your local energy assistance office to find out which programs are available.
A lot of these savings aren’t automatic. Some require you to ask, some require proof of age, and others require an application.
The next time you’re making a purchase or signing up for a service, it costs nothing to ask whether there’s a senior rate. You might find that a discount has been available all along.
