Medicare in ZIP Code
16434
—
Cambridge Springs
3008
Population
41.7936
Latitude
-79.6849
Longitude
Key Points
- ZIP code 16434 has 3,008 residents who count on Medicare and health insurance to manage their health and medical costs.
- Some residents are age 65 or older, and Medicare becomes available to others who meet specific disability criteria as well.
- The median household income here is $57,868 per year, which directly affects what you pay out of pocket for healthcare.
- With 20.2% living in poverty, many residents qualify for Medicare Savings Programs to help with premiums and costs.
- Medicare offers four main choices: Original Medicare, Medicare Advantage, Medigap supplemental coverage, and Part D prescriptions.
- Pennsylvania's SHIP program offers completely free, confidential, and impartial counseling to help you pick the right plan for you.
Demographic Data
ZIP code 16434 is located in Crawford County, Pennsylvania, centered near Cambridge Springs, with a total population of 3,008 and a median age of 27.9. This is a rural community where 10.9% of the population is 65 or older (approximately 327 individuals). While the senior share is below the national average, Medicare beneficiaries in this area still access quality healthcare options. The racial and ethnic composition includes 97.4% White, 1.1% Black/African American. Approximately 9.8% of adults hold a bachelor's degree or higher — SHIP counselors and community health workers can help residents navigate Medicare enrollment and plan choices.
Economic Metrics
The median household income is $57,868, 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 20.2%, 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 6.8%. The median home value is $138,300 and median monthly rent is $909. Medicare beneficiaries in Crawford 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.
Interactive Tools / Medicare Calculators
Frequently Asked Medicare Questions
What counts as creditable drug coverage for Part D?
Is Medicare the same as Social Security?
What gaps does Original Medicare leave me with?
Can I change my Medicare plan during the year
Medicare Advantage Plans
in
Heading
County
Key Takeaways
ZIP code 16434 has residents across all ages. Medicare includes four main options to consider. Original Medicare provides hospital and doctor coverage. Medicare Advantage (Part C) often includes extra benefits like dental or gym memberships. Medigap supplemental plans help pay costs Original Medicare leaves behind. Part D covers prescription drugs.
With a median income of $57,868, review what you can afford and what assistance you might get. Some residents may qualify for Extra Help with prescriptions or Medicare Savings Programs for premiums and costs. Open Enrollment is October 15 through December 7. Call Pennsylvania SHIP anytime for free, personalized counseling.