Medicare in ZIP Code
16848
—
Lock Haven
231
Population
41.0162
Latitude
-77.5311
Longitude
Key Points
- ZIP code 16848 is located in Clinton County, Pennsylvania, and is centered near the city of Lock. This area has a total population of 231 residents.
- Seniors age 65 and older represent 25.1% of this community's population, which equals approximately 58 individuals who need Medicare coverage.
- In this area, 25.1% of adults have earned bachelor's degrees or higher education, which affects healthcare decision making.
- The median household income in this ZIP code is $53,500, which may qualify residents for Medicare Savings Programs assistance.
- The poverty rate here is 10.4%, which means a portion of residents may qualify for Medicaid combined with Medicare (dual eligible status).
- Median home values are $159,300. Open Enrollment happens October 15 to December 7 each year for Medicare changes.
Demographic Data
ZIP code 16848 is located in Clinton County, Pennsylvania, centered near Lock Haven, with a total population of 231 and a median age of 43.5. This is a rural community with a notably high senior population — 25.1% of residents are 65 or older (approximately 58 individuals), well above the national average of 17%. This creates strong demand for Medicare services, local healthcare providers, and senior support programs. The racial and ethnic composition includes 100.0% White. Approximately 5.8% 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 $53,500, 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. The poverty rate is 10.4%. The median home value is $159,300. Medicare beneficiaries in Clinton 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
Does Part B cover lab work, preventive services, and mental health?
If I only focus on dental and vision extras, what am I missing?
If I only focus on monthly premium, what am I missing?
What are the pros and cons of Medicare Advantage?
Medicare Advantage Plans
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Key Takeaways
ZIP 16848 in Clinton County has 231 residents, with 25.1% 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 $53,500 may qualify residents for Savings Programs that help with premiums. With 10.4% 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.