Medicare in ZIP Code
17764
—
Lock Haven
2460
Population
41.3334
Latitude
-77.7448
Longitude
Key Points
- Your area has 2,460 residents with 31.0% age 65 or older (762 people), meaning Medicare coverage is key for the community.
- Median age is 52.8 years with household income of $40,847. These numbers help shape which Medicare plans fit your budget and health needs best.
- 10.7% of residents hold bachelor's degrees, supporting health literacy. All Medicare beneficiaries benefit from free SHIP counseling explaining enrollment options.
- Median home value is $83,300, showing local cost of living. Higher housing costs reduce money available for Medicare plan premiums and out-of-pocket expenses.
Demographic Data
ZIP code 17764 is located in Clinton County, Pennsylvania, centered near Lock Haven, with a total population of 2,460 and a median age of 52.8. This is a rural community with a notably high senior population — 31.0% of residents are 65 or older (approximately 762 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 91.9% White, 2.1% Hispanic/Latino. Approximately 10.7% 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 $40,847, 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 21.7%, 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 14.8% 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 $83,300 and median monthly rent is $676. 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
What happens if I rely only on VA coverage and skip Part B?
Does Medicare cover outpatient surgery and physical therapy?
Where can I get unbiased Medicare help in Utah?
What do people usually forget to check before enrolling in Medicare?
Can I buy Medigap if I am under 65 and disabled?
Medicare Advantage Plans
in
Heading
County
Key Takeaways
With 31.0% of your community at age 65+, Medicare is a major topic. You have three main paths: Original Medicare covers 80% of allowed doctor and hospital charges through any participating provider. Medicare Advantage plans bundle coverage with networks and lower costs. Medigap supplements Original Medicare to cover gaps. Enroll during Open Enrollment from October 15 through December 7 annually.
Pennsylvania SHIP offers free counseling on Medicare plans year-round. Counselors explain Original Medicare, Medicare Advantage, Medigap, and Part D prescriptions. They compare costs, networks, and coverage gaps specific to your needs. Contact SHIP anytime—no cost, no sales pitch, just honest advice.