Medicare in 

Susquehanna

County, 

Pennsylvania

Provider Density: 
Low
Suburban
Last updated: 
May 21, 2026
Calm river, running through coverage of medicare, with small sandy islands in the foreground and forested mountains under a partly cloudy sky in the background.

Beneficiaries

11239

# of Cities

2

# of Plans

216

Key Points

  • The county covers approximately 823 square miles and has a 2024 population of approximately 38 219 a figure that has declined modestly from the 2020.
  • The racial composition is predominantly White at over 94% non-Hispanic White, with small but growing Hispanic, multiracial, and other populations.
  • About 99.2% of residents are U.S.
  • The poverty rate stands at approximately 11 4 slightly below the state average but notable for a rural county where fixed incomes are common among.
  • The median household income is approximately $68,487 in 2024, modestly below the statewide median of $77,971.

Demographic Information

Susquehanna County occupies the northeastern corner of Pennsylvania, bordering New York State along its northern edge and featuring a landscape of rolling hills, farmland, and forests that has defined its agricultural character for generations. The county covers approximately 823 square miles and has a 2024 population of approximately 38,219 — a figure that has declined modestly from the 2020 census count of around 40,000. Like many rural Pennsylvania counties, Susquehanna has been losing residents slowly but steadily as younger generations seek opportunity elsewhere. The county seat is Montrose, a small borough that serves as the center of county government. Susquehanna Depot, Forest City, and Great Bend are other communities of note. The racial composition is predominantly White at over 94% non-Hispanic White, with small but growing Hispanic, multiracial, and other populations. About 99.2% of residents are U.S. citizens, reflecting the county's longstanding community character. The poverty rate stands at approximately 11.4%, slightly below the state average but notable for a rural county where fixed incomes are common among the elderly population. The median household income is approximately $68,487 in 2024, modestly below the statewide median of $77,971. Median property values have risen to around $216,400, partly driven by demand from people seeking affordable rural land within commuting distance of New York's Southern Tier or the Scranton-Wilkes-Barre metropolitan area. The share of residents 65 and older is approximately 20-22%, well above the statewide share and reflecting the county's aging population. Roughly 7,000-8,000 Susquehanna County residents are currently enrolled in Medicare, making Medicare plan selection and benefit optimization an important community issue. The border with New York is significant for healthcare planning: some Susquehanna County residents have longstanding relationships with providers in Binghamton or Oneonta, which creates complexity for Medicare Advantage plan selection. Medicare beneficiaries here need to verify whether their plan covers them across the state line if they regularly use New York providers. Original Medicare with a Medigap supplement provides the most flexibility for those with cross-border healthcare relationships, avoiding the in-network restrictions that Medicare Advantage plans typically impose.

Healthcare Information

Barnes-Kasson County Hospital in Susquehanna Depot is the county's primary acute care facility. It is a critical access hospital, ensuring federal support for its operations in recognition of the county's rural character and the population's dependence on this single facility. Barnes-Kasson offers emergency services, surgical care, inpatient medical services, obstetrics, imaging, laboratory, and a range of outpatient clinics. The hospital has maintained its independence and community ownership orientation over the years, serving as a vital institution for a county that would otherwise have no acute care within its borders. Barnes-Kasson has worked to expand its services — including adding outpatient specialty clinics and telehealth options — to reduce the need for residents to travel long distances for routine follow-up care. For more complex specialist care, Susquehanna County residents typically travel to the Greater Scranton area, about 45-60 miles to the south, where Geisinger Community Medical Center and other providers serve the broader northeastern Pennsylvania region. Regional Health System (RHS) hospitals in the Scranton area are another important destination. The Geisinger system has worked to extend its reach into northeastern Pennsylvania, and Susquehanna County falls within Geisinger's broader service area. Wayne Memorial Hospital in Honesdale (Wayne County) is another option for residents in the eastern parts of the county, offering community hospital services within a similar critical access framework. Commonwealth Health, a large health system based in Wilkes-Barre, operates facilities throughout northeastern Pennsylvania that Susquehanna County residents can access for specialist and hospital care. Across the state line in New York, Guthrie Lourdes Hospital in Binghamton and United Health Services hospitals serve the Southern Tier, and some Susquehanna County residents near the New York border have longstanding relationships with those facilities. Telehealth has grown significantly as Barnes-Kasson has worked to expand virtual access to specialist consultations. Rural health clinics and primary care practices operate in Forest City, Montrose, and several other communities, providing important local access points.

Elderly man in hospice care, paid for by medicare coverage, and young boy sitting outdoors on grass with clear blue sky, sharing a peaceful moment.

Medicare Resources

APPRISE counseling in Susquehanna County is provided through the Northeastern Pennsylvania Area Agency on Aging and the Susquehanna County Area Agency on Aging, which coordinates a full range of aging services for county residents. APPRISE counselors offer free, impartial guidance on Medicare plan selection, rights, and programs that reduce costs — all without trying to sell you anything. For a county where some residents have healthcare relationships in both Pennsylvania and New York, APPRISE counselors with regional knowledge can help navigate the network and coverage complexities that arise, including the critical question of whether a Medicare Advantage plan covers out-of-state providers. The Area Agency on Aging for Susquehanna County provides Meals on Wheels, homemaker services, personal care assistance, legal aid for seniors, caregiver support programs, and benefit enrollment help. These services are the backbone of support for elderly residents who want to remain in their homes. The Medical Assistance Transportation Program (MATP) helps Medicaid-eligible residents get to medical appointments — essential in a county where the hospital is in one corner and some patients live in opposite corners of the 823-square-mile territory. The County Shared Ride program provides transportation for seniors 60 and older at reduced cost for non-emergency medical trips and other needs. Medicare Savings Programs are available and worth pursuing: the four tiers — QMB, SLMB, QI, and QDWI — cover different levels of cost-sharing help for those meeting income and asset tests. With a poverty rate of 11.4% and many seniors on Social Security, a meaningful number of Susquehanna County residents qualify. The QMB program in particular is powerful — it pays your Part B premium and eliminates most Medicare cost-sharing. Extra Help for Part D drug costs similarly helps many fixed-income seniors reduce prescription expenses significantly. Susquehanna County has no PACE site within its borders, but the Area Agency on Aging's home-based services under the OPTIONS and Community HealthChoices programs provide alternatives to institutional care for eligible seniors. Senior centers in Montrose and other communities provide social connection and programming.

Susquehanna

 County 

Medicare Advantage Plans 

Loading Pennsylvania Medicare plans...

Loading Ohio Medicare plans...

Loading Utah Medicare plans...

Medicare Questions 

for 

Susquehanna

 County 

Residents

Pennsylvania

 has 

216

Medicare Advantage plans 

Independent agent. Not affiliated with any carrier. Availability varies by county.
Older man on fixed income and good medicare coverage, and young boy sitting outdoors with a clear blue sky background.

Adjacent to  

Susquehanna

 County 

Susquehanna County is bounded by New York State to the north and by five Pennsylvania counties on its other sides, giving it one of the more complex border situations of any Pennsylvania county when it comes to healthcare planning. Across the northern border lie Broome County and Delaware County in New York. Broome County is home to Binghamton, a significant upstate New York city with Guthrie Lourdes Hospital, United Health Services Binghamton General, and Wilson Medical Center, all offering urban hospital services. For Susquehanna County residents who live near the New York line — particularly near Hallstead, Great Bend, or Oakland — these New York facilities are sometimes closer than Pennsylvania alternatives. This creates Medicare Advantage network complexity: a Pennsylvania Medicare Advantage plan may not include New York hospitals in-network, so beneficiaries who regularly cross the state line for care should think carefully about whether a Medicare Advantage plan or Original Medicare with Medigap is a better fit. Delaware County, New York is more rural and borders the eastern part of Susquehanna County; its healthcare resources are limited and residents there look to Binghamton or other centers as well. To the east lies Wayne County, Pennsylvania, home to Wayne Memorial Hospital in Honesdale. Wayne County is also rural and is part of the Greater Northeastern Pennsylvania healthcare market. To the southeast, Susquehanna borders Lackawanna County, where Scranton is the largest city in northeastern Pennsylvania. Scranton's hospitals — Geisinger Community Medical Center, Regional Health System's hospitals, and others — are major referral destinations for Susquehanna County residents. To the south lies Wyoming County (Pennsylvania), which has limited healthcare resources of its own and relies on Scranton-area hospitals. And to the west lies Bradford County, home to Guthrie Robert Packer Hospital in Sayre — an important regional referral center for the western parts of Susquehanna County.

Noteworthy People

Susquehanna County has produced and been associated with an interesting range of notable figures across American history. B.F. Skinner (1904–1990), the enormously influential psychologist and behaviorist whose work shaped 20th-century psychology, education, and social science, was born in Susquehanna. Skinner's theory of operant conditioning, his Skinner Box experiments, his concept of behavioral reinforcement, and his controversial book Walden Two made him one of the most discussed and debated figures in American intellectual life. Growing up in a small railroad town in this rural Pennsylvania county, he went on to become a Harvard professor and a figure whose influence is still felt in psychology, education, and behavioral economics. Horace Greeley (1811–1872), while born in New Hampshire and associated with New York City (he edited the New York Tribune), had family and personal connections to the Susquehanna County area and represented the broader cultural currents flowing between rural Pennsylvania and New York in the 19th century. His famous exhortation to young men to "Go West" reflected the restless American energy of the era. Jeremiah F. Shanahan (1834–1886), born in Susquehanna County, became the Bishop of Harrisburg, an important figure in the development of the Catholic Church in central Pennsylvania during the Gilded Age. Several early Pennsylvania legislators and judges came from Susquehanna County's agricultural and professional families in the 19th century. The county's railroad history also produced local business leaders whose families built institutions — churches, schools, civic organizations — that endure today. The Susquehanna County Historical Society documents these local stories with care. Congressman Galusha Grow (1823–1907), though born in Connecticut and also associated with other parts of Pennsylvania, had strong connections to Susquehanna County's political community and served as Speaker of the U.S. House of Representatives during the Civil War era, championing the Homestead Act of 1862 — one of the most consequential pieces of legislation in American history. Gene Lamont, a baseball manager who led the Chicago White Sox and Pittsburgh Pirates in the 1990s and 2000s, grew up in Susquehanna County, adding a notable athletic figure to the county's roster of accomplished natives.

Key Takeaways

If you're turning 65 or new to Medicare, you have real choices. In your area, about 45 people already have Medicare. Understanding your options matters.

Local median income is $68,487, and 11.4% of residents live in poverty. 94% of your neighbors are 65 or older. Ask about Extra Help for prescriptions and Medicare Savings Programs if money is tight. Review your plan every year—your needs and available options change.

Free Medicare counseling is available. A counselor can walk you through Original Medicare, Medicare Advantage, Medigap, and Part D options without pressure.

Decision area Tool What it answers
Enrollment Initial Enrollment Period Calculator When your 7-month Medicare eligibility window begins and ends based on your 65th birthday
Enrollment When Should I Sign Up for Medicare? The best time to enroll based on your work status, other coverage, and age
Enrollment Special Enrollment Period Checker Whether a life event qualifies you for enrollment outside the standard windows
Enrollment Late Enrollment Penalty Checker How much extra you'll pay monthly if you missed your enrollment window
Enrollment Part B Penalty Calculator The exact 10%-per-year premium increase for delayed Part B enrollment
Enrollment Part D Penalty Calculator The 1%-per-month premium increase for gaps in creditable drug coverage
Costs Cost Scenario Planner Estimated annual spending across plan types at different health utilization levels
Costs Advantage vs. Medigap Cost Comparison True cost difference between Medicare Advantage and Original Medicare with Medigap
Costs IRMAA Calculator Whether your income triggers higher Part B and Part D premiums
Costs Part A Premium Estimator Your monthly Part A premium based on work history and quarters of coverage
Costs M3P Calculator How the Medicare Prescription Payment Plan smooths your drug costs into monthly payments
Coverage Doctor & Drug Assessment Whether your providers and prescriptions are covered by a specific plan
Coverage Part D Shopping Tool Which Part D plan has the lowest total annual cost for your specific medications
Coverage Travel & Network Risk Assessment How your coverage works outside your home area and which plan types travel best
Employer/COBRA COBRA vs. Medicare Why COBRA can trigger permanent Medicare penalties and how costs compare
Employer/COBRA Employer Coverage vs. Medicare Whether your employer plan or Medicare is primary and when to transition
Employer/COBRA HSA & Medicare Compatibility How Medicare enrollment affects HSA eligibility and what to do before enrolling
Planning Caregiver Readiness Checklist Whether you have everything in place to help a loved one with Medicare decisions
Planning Document Gatherer Which documents you need to have ready before enrolling or changing plans
Planning Medigap Fit Assessment Whether Medigap or Medicare Advantage is the better fit for how you use healthcare
Planning Medigap Open Enrollment Window Whether you're inside your one-time guaranteed issue window for Medigap
Planning Medicare Savings Program Eligibility Whether your income qualifies you for help paying Medicare premiums and cost-sharing