Medicare in ZIP Code
44109
—
Cleveland
38098
Population
41.4458
Latitude
-81.7033
Longitude
Demographic Data
ZIP code 44109 is located in Cuyahoga County, Ohio, centered near Cleveland, with a total population of 38,098 and a median age of 36.3. This is a urban community where 12.2% of residents are 65 or older (approximately 4,640 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 55.4% White, 17.9% Black/African American, 27.6% Hispanic/Latino. Approximately 16.5% 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 $43,130, 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 23.3%, 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 of 10.0% 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 $112,700 and median monthly rent is $861. Medicare beneficiaries in Cuyahoga 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.