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ZIP code 43408 is located in Ottawa County, Ohio, centered near Elmore, with a total population of 365 and a median age of 32.3. This is a suburban community where 14.5% of residents are 65 or older (approximately 53 individuals), near the national average. Medicare beneficiaries here have access to a range of plan options suited to diverse healthcare needs. The racial and ethnic composition includes 97.5% White, 5.5% Hispanic/Latino. Approximately 3.8% 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 $64,500, 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 18.1%, 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 7.4% 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 $120,700 and median monthly rent is $631. Medicare beneficiaries in Ottawa County should explore all available plan options during Open Enrollment (October 15 – December 7) or consult the Ohio SHIP (State Health Insurance Assistance Program) for free, unbiased counseling on choosing the right coverage.