Medicare in ZIP Code 

16656

 — 

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.

1206

Population

40.8017

Latitude

-78.5602

Longitude

Key Points

  • ZIP code 16656 in Clearfield County, Pennsylvania, is home to 1,206 residents. 20.1% are seniors age 65-plus (243 people), well above national average.
  • Median age in 16656 is 46.0 years. This rural ZIP code has strong family and community ties, making healthcare access important.
  • Median household income: $46,081,. Median home value $99,600. Monthly rent averages $698.
  • Poverty rate: N/A%. Unemployment: 4.4%. These economic indicators matter for Medicare eligibility and cost-assistance programs.
  • Education level: 20.1% earn bachelor's degree or higher. Clearfield County SHIP counselors provide free Medicare guidance and plan comparisons.
  • Many 16656 residents qualify for Medicare-Medicaid dual eligibility. Benefits include dental, vision, and transportation assistance that Original Medicare doesn't cover.
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 16656 is located in Clearfield County, Pennsylvania, centered near Curwensville, with a total population of 1,206 and a median age of 46.0. This is a rural community where 20.1% of residents are 65 or older (approximately 243 individuals), moderately above the national average. This aging population benefits from robust Medicare plan options and community-based health resources. The racial and ethnic composition includes 92.2% White, 2.4% Hispanic/Latino. Approximately 15.9% 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 $46,081, 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 is 4.4%. The median home value is $99,600 and median monthly rent is $698. 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

Frequently Asked Medicare Questions

Medicare Advantage Plans 

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Key Takeaways

ZIP code 16656 is a rural community in Clearfield County, Pennsylvania with 1,206 residents and median age 46.0 years. Seniors age 65-plus comprise 20.1% of the population—243 people—which is significantly higher than the national average of 17%. 20.1% of adults hold a bachelor's degree or higher. Unemployment stands at 4.4%.

Median household income in ZIP 16656 is $46,081,. Median home value is $99,600, and median monthly rent is $698. Many beneficiaries qualify for Medicare-Medicaid dual eligibility, which adds dental, vision, hearing, and transportation coverage beyond Original Medicare. Dual-eligible seniors can access more comprehensive benefits through coordinated plans. During Open Enrollment (October 15 – December 7), Clearfield County SHIP offers free, unbiased Medicare counseling and plan comparisons.