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ZIP code 18660 is located in Luzerne County, Pennsylvania, centered near Avoca, with a total population of 3,278 and a median age of 48.9. This is a suburban community where 21.0% of residents are 65 or older (approximately 689 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 97.8% White. Approximately 23.2% 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 $85,372, 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 5.7%. The unemployment rate of 7.1% 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 $192,300 and median monthly rent is $875. Medicare beneficiaries in Luzerne 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.