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Medicare
Pennsylvania
Centre
Philipsburg
16820

Medicare in ZIP Code 

16820

 — 

Philipsburg

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

1657

Population

40.8987

Latitude

-77.4562

Longitude

Key Points

  • ZIP code 16820 is located in Centre County, Pennsylvania, and is centered near the city of Philipsburg. This area has a total population of 1,657 residents.
  • Seniors age 65 and older represent 10.9% of this community's population, which equals approximately 180 individuals who need Medicare coverage.
  • In this area, 10.9% of adults have earned bachelor's degrees or higher education, which affects healthcare decision making.
  • The median household income in this ZIP code is $81,369, which may qualify residents for Medicare Savings Programs assistance.
  • The poverty rate here is 12.9%, which means a portion of residents may qualify for Medicaid combined with Medicare (dual eligible status).
  • Median home values are $258,100. Open Enrollment happens October 15 to December 7 each year for Medicare changes.
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 16820 is located in Centre County, Pennsylvania, centered near Philipsburg, with a total population of 1,657 and a median age of 18.5. This is a suburban community where 10.9% of the population is 65 or older (approximately 180 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 99.2% White. Approximately 16.4% 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 $81,369, 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 12.9%. The unemployment rate is 3.7%. The median home value is $258,100. Medicare beneficiaries in Centre 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 

16820

Bellefonte

Centre
County

State College

Centre
County

Frequently Asked Medicare Questions

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Medicare Advantage Plans 

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Key Takeaways

ZIP 16820 in Centre County has 1,657 residents, with 10.9% aged 65 and older. At age 65, you become eligible for Medicare. Original Medicare Part A covers hospital stays and inpatient services. Part B covers doctor visits and outpatient care services. Medicare Advantage (Part C) combines both and often includes dental and vision. Part D helps cover prescription medication costs.

Your Open Enrollment period runs October 15 to December 7 annually, allowing you to change plans. The median income of $81,369 may qualify residents for Savings Programs that help with premiums. With 12.9% poverty, residents may qualify for Medicaid with Medicare (dual eligible), including dental, vision, and transportation. Pennsylvania SHIP counselors offer free guidance on all Medicare coverage options.

‍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