Medicare in ZIP Code
16865
—
Philipsburg
1657
Population
40.71
Latitude
-77.996
Longitude
Key Points
- ZIP code 16865 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 29.7% of this community's population, which equals approximately 492 individuals who need Medicare coverage.
- In this area, 29.7% of adults have earned bachelor's degrees or higher education, which affects healthcare decision making.
- The median household income in this ZIP code is $76,389, which may qualify residents for Medicare Savings Programs assistance.
- The poverty rate here is 6.8%, which means a portion of residents may qualify for Medicaid combined with Medicare (dual eligible status).
- Median home values are $252,900. Open Enrollment happens October 15 to December 7 each year for Medicare changes.
Demographic Data
ZIP code 16865 is located in Centre County, Pennsylvania, centered near Philipsburg, with a total population of 1,657 and a median age of 50.3. This is a suburban community with a notably high senior population — 29.7% of residents are 65 or older (approximately 492 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 94.4% White, 1.4% Black/African American, 1.2% Hispanic/Latino. The community is highly educated, with 48.5% of adults holding a bachelor's degree or higher, which often correlates with greater health literacy and proactive engagement with Medicare plan selection.
Economic Metrics
The median household income is $76,389, 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 relatively low at 6.8%. The unemployment rate is 0.2%. The median home value is $252,900. 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
Frequently Asked Medicare Questions
Do I qualify for Medicare at 65?
How do I find the lowest total drug cost, not just the lowest premium?
Does Medicare cover long-term nursing home or assisted living care?
Why do some Medicare Advantage plans have $0 premiums?
Medicare Advantage Plans
in
Heading
County
Key Takeaways
ZIP 16865 in Centre County has 1,657 residents, with 29.7% 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 $76,389 may qualify residents for Savings Programs that help with premiums. With 6.8% 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.