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ZIP code 18704 is located in Luzerne County, Pennsylvania, centered near Kingston, with a total population of 30,997 and a median age of 40.6. This is a urban community where 19.9% of residents are 65 or older (approximately 6,154 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 83.6% White, 7.4% Black/African American, 8.0% Hispanic/Latino. About 29.4% of adults hold a bachelor's degree or higher.
The median household income is $62,907, 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 15.8%, 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 6.6%. The median home value is $154,600 and median monthly rent is $935. 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.