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ZIP code 18440 is located in Lackawanna County, Pennsylvania, centered near Moscow, with a total population of 37 and a median age of 67.0. This is a suburban community with a notably high senior population — 54.1% of residents are 65 or older (approximately 20 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 100.0% White. The community is highly educated, with 70.3% 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 $250,001, 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. Medicare beneficiaries in Lackawanna 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.