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ZIP code 18435 is located in Pike County, Pennsylvania, centered near Matamoras, with a total population of 906 and a median age of 65.6. This is a rural community with a notably high senior population — 54.4% of residents are 65 or older (approximately 493 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 87.4% White, 4.4% Hispanic/Latino. The community is highly educated, with 51.0% of adults holding a bachelor's degree or higher, which often correlates with greater health literacy and proactive engagement with Medicare plan selection.
The median household income is $97,924, above the national median. Higher-income Medicare beneficiaries should note that Income-Related Monthly Adjustment Amounts (IRMAA) may apply to Part B and Part D premiums for individuals earning above $106,000 or couples above $212,000 annually. With a poverty rate of 20.3%, 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 of 9.8% is above the national average, which may indicate a greater need for social safety net programs including Medicare-Medicaid dual eligibility. The median home value is $317,400. Medicare beneficiaries in Pike 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.