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ZIP code 16657 is located in Bedford County, Pennsylvania, centered near Bedford, with a total population of 1,262 and a median age of 51.9. This is a rural community with a notably high senior population — 29.6% of residents are 65 or older (approximately 374 individuals), well above the national average of 17%. This creates strong demand for Medicare services, local healthcare providers, and senior support programs. The racial and ethnic composition includes 91.7% White, 3.2% Black/African American, 1.7% Hispanic/Latino, 3.5% Asian. Approximately 17.5% 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 $62,264, near the national median. Many residents may find Medicare Advantage plans with $0 premiums to be an attractive option, while others may prefer Original Medicare with a Medigap supplement for broader provider access. The poverty rate is relatively low at 6.9%. The unemployment rate is 4.0%. The median home value is $199,400 and median monthly rent is $684. Medicare beneficiaries in Bedford 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.