Medicare in ZIP Code 

16868

 — 

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.

1174

Population

40.7337

Latitude

-77.8856

Longitude

Key Points

  • ZIP code 16868 is located in Centre County, Pennsylvania, and is centered near the city of Philipsburg. This area has a total population of 1,174 residents.
  • Seniors age 65 and older represent 15.7% of this community's population, which equals approximately 184 individuals who need Medicare coverage.
  • In this area, 15.7% of adults have earned bachelor's degrees or higher education, which affects healthcare decision making.
  • The median household income in this ZIP code is $160,747, which may qualify residents for Medicare Savings Programs assistance.
  • Poverty rates affect which residents qualify for Medicaid combined with Medicare, providing additional benefits.
  • Median home values are $311,800. 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 16868 is located in Centre County, Pennsylvania, centered near Philipsburg, with a total population of 1,174 and a median age of 54.2. This is a suburban community where 15.7% of residents are 65 or older (approximately 184 individuals), near the national average. Medicare beneficiaries here have access to a range of plan options suited to diverse healthcare needs. The racial and ethnic composition includes 98.0% White. The community is highly educated, with 64.3% 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 $160,747, above the national median. Higher-income Medicare beneficiaries should note that Income-Related Monthly Adjustment Amounts (IRMAA) may apply to Part B and Part D premiums for individuals earning above $106,000 or couples above $212,000 annually. The median home value is $311,800. 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

Frequently Asked Medicare Questions

Medicare Advantage Plans 

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Key Takeaways

ZIP 16868 in Centre County has 1,174 residents, with 15.7% 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 $160,747 may qualify residents for Savings Programs that help with premiums. Some residents may qualify for Medicaid with Medicare (dual eligible), including dental, vision, and transportation assistance. Pennsylvania SHIP counselors offer free guidance on all Medicare coverage options.