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Medicare
Pennsylvania
Franklin
Greencastle
17221

Medicare in ZIP Code 

17221

 — 

Greencastle

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

496

Population

40.0717

Latitude

-77.821

Longitude

Key Points

  • ZIP 17221 has 496 residents with 24.2% age 65+ (120 seniors), above the 17% national average.
  • Median income is $62,250,. Check if you qualify for Extra Help and Medicare Savings Programs to reduce healthcare costs.
  • Home values average $203,800; rent around $684/month. Budget housing and healthcare together when choosing Original Medicare plus Medigap versus Medicare Advantage.
  • Open Enrollment runs October 15–December 7 each year. Call Pennsylvania SHIP during this window for free help comparing Original Medicare, Medicare Advantage, and Medigap plans without sales pressure.
  • Original Medicare with Medigap gives broad provider access; Medicare Advantage offers $0 premiums with network restrictions. Choose based on your doctor preferences and budget.
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 17221 is located in Franklin County, Pennsylvania, centered near Greencastle, with a total population of 496 and a median age of 52.0. This is a rural community where 24.2% of residents are 65 or older (approximately 120 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 99.0% White, 1.2% Hispanic/Latino. Approximately 10.9% 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 $62,250, 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 5.0%. The median home value is $203,800 and median monthly rent is $684. Medicare beneficiaries in Franklin 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 

17221

Chambersburg

Franklin
County

Waynesboro

Franklin
County

Frequently Asked Medicare Questions

Can I delay Social Security and still get Medicare at 65?

If I only focus on monthly premium, what am I missing about Medicare?

Does Medicare cover emergency care anywhere in the U.S.?

Medicare Advantage Plans 

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Key Takeaways

The Greencastle area has 24.2% of residents age 65 and older. Median household income is $62,250,. Residents should explore whether they qualify for Extra Help and Medicare Savings Programs to reduce healthcare costs. When choosing between Original Medicare with supplemental Medigap and Medicare Advantage, consider both your provider preferences and budget.

Your Medicare coverage selection affects your healthcare access and out-of-pocket expenses throughout the year. With housing costs to manage, choose a plan you can afford long-term. Pennsylvania SHIP provides free, unbiased counseling during Open Enrollment (October 15–December 7) to help you compare plans, understand coverage options, and select the best plan for your health needs and financial situation.

‍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