Medicare in ZIP Code
16838
—
Curwensville
1820
Population
40.9818
Latitude
-78.5949
Longitude
Key Points
- ZIP code 16838 is located in Clearfield County, Pennsylvania, and is centered near the city of Curwensville. This area has a total population of 1,820 residents.
- Seniors age 65 and older represent 19.9% of this community's population, which equals approximately 362 individuals who need Medicare coverage.
- In this area, 19.9% of adults have earned bachelor's degrees or higher education, which affects healthcare decision making.
- The median household income in this ZIP code is $57,446, which may qualify residents for Medicare Savings Programs assistance.
- The poverty rate here is 18.6%, which means a portion of residents may qualify for Medicaid combined with Medicare (dual eligible status).
- Median home values are $121,700. Open Enrollment happens October 15 to December 7 each year for Medicare changes.
Demographic Data
ZIP code 16838 is located in Clearfield County, Pennsylvania, centered near Curwensville, with a total population of 1,820 and a median age of 47.5. This is a suburban community where 19.9% of residents are 65 or older (approximately 362 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 96.6% White, 2.1% Hispanic/Latino. Approximately 16.5% 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 $57,446, 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 18.6%, 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 of 7.2% is above the national average, which may indicate a greater need for social safety net programs including Medicare-Medicaid dual eligibility. The median home value is $121,700 and median monthly rent is $871. 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
Frequently Asked Medicare Questions
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Medicare Advantage Plans
in
Heading
County
Key Takeaways
ZIP 16838 in Clearfield County has 1,820 residents, with 19.9% 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 $57,446 may qualify residents for Savings Programs that help with premiums. With 18.6% 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.