Medicare in ZIP Code 

16546

 — 

Erie

County: 
Erie
Last Updated:  
Urban
Young man showing a photo frame to an elderly woman turning 65, holding a small dog on a couch.

1138

Population

42.1827

Latitude

-80.0649

Longitude

Key Points

  • ZIP code 16546 has 1,138 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.
  • Income levels in this area vary, which determines eligibility for assistance programs and Medicare cost help.
  • 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.
Smiling middle-aged woman in a nursing home paid for by medicare, giving a small wrapped gift to a seated elderly man in a cozy living room.Group of happy older adults missed their medicare enrollment,  taking a cheerful selfie together in a cozy living room.Elderly man smiling during medicare AEP and handing a gift and flowers to an elderly woman who is looking up at him warmly.

Demographic Data

ZIP code 16546 is located in Erie County, Pennsylvania, centered near Erie, with a total population of 1,138 and a median age of 19.7. This is a urban community where 0.0% of the population is 65 or older (approximately 0 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 88.0% White, 5.4% Black/African American, 2.6% Hispanic/Latino, 5.7% Asian.

Economic Metrics

Income data is not currently available for ZIP code 16546. The unemployment rate is 6.1%. Medicare beneficiaries in Erie 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

Decision area Tool What it answers
Enrollment Initial Enrollment Period Calculator When your 7-month Medicare eligibility window begins and ends based on your 65th birthday
Enrollment When Should I Sign Up for Medicare? The best time to enroll based on your work status, other coverage, and age
Enrollment Special Enrollment Period Checker Whether a life event qualifies you for enrollment outside the standard windows
Enrollment Late Enrollment Penalty Checker How much extra you'll pay monthly if you missed your enrollment window
Enrollment Part B Penalty Calculator The exact 10%-per-year premium increase for delayed Part B enrollment
Enrollment Part D Penalty Calculator The 1%-per-month premium increase for gaps in creditable drug coverage
Costs Cost Scenario Planner Estimated annual spending across plan types at different health utilization levels
Costs Advantage vs. Medigap Cost Comparison True cost difference between Medicare Advantage and Original Medicare with Medigap
Costs IRMAA Calculator Whether your income triggers higher Part B and Part D premiums
Costs Part A Premium Estimator Your monthly Part A premium based on work history and quarters of coverage
Costs M3P Calculator How the Medicare Prescription Payment Plan smooths your drug costs into monthly payments
Coverage Doctor & Drug Assessment Whether your providers and prescriptions are covered by a specific plan
Coverage Part D Shopping Tool Which Part D plan has the lowest total annual cost for your specific medications
Coverage Travel & Network Risk Assessment How your coverage works outside your home area and which plan types travel best
Employer/COBRA COBRA vs. Medicare Why COBRA can trigger permanent Medicare penalties and how costs compare
Employer/COBRA Employer Coverage vs. Medicare Whether your employer plan or Medicare is primary and when to transition
Employer/COBRA HSA & Medicare Compatibility How Medicare enrollment affects HSA eligibility and what to do before enrolling
Planning Caregiver Readiness Checklist Whether you have everything in place to help a loved one with Medicare decisions
Planning Document Gatherer Which documents you need to have ready before enrolling or changing plans
Planning Medigap Fit Assessment Whether Medigap or Medicare Advantage is the better fit for how you use healthcare
Planning Medigap Open Enrollment Window Whether you're inside your one-time guaranteed issue window for Medigap
Planning Medicare Savings Program Eligibility Whether your income qualifies you for help paying Medicare premiums and cost-sharing

Frequently Asked Medicare Questions

Medicare Advantage Plans 

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Key Takeaways

ZIP code 16546 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.

Check if your income qualifies you for Extra Help or Medicare Savings Programs. Some residents get help with premiums and other costs. Open Enrollment runs October 15 through December 7 each year. Pennsylvania SHIP offers free counseling to match you with the right coverage for your needs.