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ZIP code 16695 is located in Bedford County, Pennsylvania, centered near Bedford, with a total population of 959 and a median age of 30.0. This is a rural community where 13.0% of residents are 65 or older (approximately 125 individuals), near the national average. Medicare beneficiaries here have access to a range of plan options suited to diverse healthcare needs. The racial and ethnic composition includes 92.2% White, 5.2% Hispanic/Latino. Approximately 15.7% 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 $75,139, 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. With a poverty rate of 19.8%, 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 5.3%. The median home value is $163,300 and median monthly rent is $1,008. 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.