Medicare in ZIP Code
43609
—
Toledo
20495
Population
41.6298
Latitude
-83.5773
Longitude
Demographic Data
ZIP code 43609 is located in Lucas County, Ohio, centered near Toledo, with a total population of 20,495 and a median age of 37.0. This is a urban community where 13.9% of residents are 65 or older (approximately 2,849 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 52.3% White, 29.9% Black/African American, 17.0% Hispanic/Latino. Approximately 11.4% of adults hold a bachelor's degree or higher — SHIP counselors and community health workers can help residents navigate Medicare enrollment and plan choices.
Economic Metrics
The median household income is $42,510, 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 29.8%, 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 of 9.7% 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 $58,700 and median monthly rent is $913. Medicare beneficiaries in Lucas 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.