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ZIP code 15865 is located in Clearfield County, Pennsylvania, centered near Curwensville, with a total population of 1,023 and a median age of 51.1. This is a suburban community where 22.7% of residents are 65 or older (approximately 232 individuals), moderately above the national average. This aging population benefits from robust Medicare plan options and community-based health resources. The racial and ethnic composition includes 96.7% White, 3.3% Black/African American. Approximately 22.7% of adults hold a bachelor's degree or higher — SHIP counselors and community health workers can help residents navigate Medicare enrollment and plan choices.
The median household income is $37,885, below the national median. Lower-income Medicare beneficiaries may qualify for Medicare Savings Programs (MSPs) that help pay Part B premiums, or Extra Help (Low-Income Subsidy) to reduce Part D prescription drug costs. With a poverty rate of 17.7%, a significant portion of residents may qualify for dual eligibility (Medicare and Medicaid), which provides additional benefits including dental, vision, and transportation assistance. The unemployment rate is 5.0%. The median home value is $89,400 and median monthly rent is $546. Medicare beneficiaries in Clearfield County should explore all available plan options during Open Enrollment (October 15 – December 7) or consult the Pennsylvania SHIP (State Health Insurance Assistance Program) for free, unbiased counseling on choosing the right coverage.