Home
Medicare
Pennsylvania
Clearfield
Curwensville
16651

Medicare in ZIP Code 

16651

 — 

Curwensville

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

5777

Population

40.8305

Latitude

-78.3618

Longitude

Key Points

  • ZIP code 16651 in Clearfield County, Pennsylvania, is home to 5,777 residents. 12.6% are seniors age 65-plus (730 people), well above national average.
  • Median age in 16651 is 42.6 years. This rural ZIP code has strong family and community ties, making healthcare access important.
  • Median household income: $64,965,. Median home value $99,400. Monthly rent averages $651.
  • Poverty rate: 12.4%. Unemployment: 5.2%. These economic indicators matter for Medicare eligibility and cost-assistance programs.
  • Education level: 12.6% earn bachelor's degree or higher. Clearfield County SHIP counselors provide free Medicare guidance and plan comparisons.
  • Medicare beneficiaries in 16651 choose from Original Medicare, Medicare Advantage (often $0 premium), Medigap, and Part D prescription plans.
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 16651 is located in Clearfield County, Pennsylvania, centered near Curwensville, with a total population of 5,777 and a median age of 42.6. This is a rural community where 12.6% of residents are 65 or older (approximately 730 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 73.3% White, 16.7% Black/African American, 7.3% Hispanic/Latino. Approximately 8.4% 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 $64,965, 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. The poverty rate is 12.4%. The unemployment rate is 5.2%. The median home value is $99,400 and median monthly rent is $651. Medicare beneficiaries in Clearfield 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
Smiling elderly woman read how to enroll in medicare hugging an elderly man from behind as he holds a remote and papers while sitting on a couch.

Cities Near 

16651

Clearfield

Clearfield
County

DuBois

Clearfield
County

Frequently Asked Medicare Questions

What red flags should I watch for when someone is selling Medicare plans?

Can I stay on my spouse's employer plan instead of taking Medicare?

What is the Part D late enrollment penalty and how is it calculated?

Can I get Medicare before age 65?

Is Original Medicare plus Medigap the easiest way to keep Intermountain access?

Medicare Advantage Plans 

in 

Heading

 County 

Loading Pennsylvania Medicare plans...

Loading Ohio Medicare plans...

Loading Utah Medicare plans...

Key Takeaways

ZIP code 16651 is a rural community in Clearfield County, Pennsylvania with 5,777 residents and median age 42.6 years. Seniors age 65-plus comprise 12.6% of the population—730 people—which is significantly higher than the national average of 17%. 12.6% of adults hold a bachelor's degree or higher. Poverty rate is 12.4%. Unemployment stands at 5.2%.

Median household income in ZIP 16651 is $64,965,. Median home value is $99,400, and median monthly rent is $651. Beneficiaries can choose Original Medicare with Medigap supplement, Medicare Advantage with $0 premiums, or Medigap alone. Part D prescription drug coverage must be reviewed annually. During Open Enrollment (October 15 – December 7), Clearfield County SHIP offers free, unbiased Medicare counseling and plan comparisons.

‍CMS TPMO Compliance Disclaimer: We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Participating sales agencies represent Medicare Advantage [HMO, PPO, PFFS, and PDP] organizations that are contracted with Medicare. Enrollment depends on the plan’s contract renewal.

Not Government Affiliated: Resting Sycamore Advisors is a licensed Medicare insurance agency. We are not affiliated with or endorsed by the U.S. government or the federal Medicare program.

‍Data & Methodology for Research Articles: All provider, facility, quality star ratings, and enrollment data is sourced from primary CMS records (cms.gov), including the December 2025 CPSC Enrollment files and the January 2026 Provider Data Catalog. Calculations for patient-to-provider ratios are performed using indexed clinician and facility data. Everything on restingsycamore.com is for educational purposes and does not constitute an endorsement of any specific plan or provider.

Non-CMS Data Sources: Some  specific data was obtained from https://opendata.gov