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ZIP code 18832 is located in Bradford County, Pennsylvania, centered near Towanda, with a total population of 1,867 and a median age of 41.2. This is a rural community where 19.9% of residents are 65 or older (approximately 371 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 95.9% White, 1.0% Asian. Approximately 12.9% 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 $53,621, below the national median. Lower-income Medicare beneficiaries may qualify for Medicare Savings Programs (MSPs) that help pay Part B premiums, or Extra Help (Low-Income Subsidy) to reduce Part D prescription drug costs. With a poverty rate of 15.3%, 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 is 3.6%. The median home value is $141,800 and median monthly rent is $833. Medicare beneficiaries in Bradford 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.