Medicare in ZIP Code
17765
—
Towanda
1281
Population
41.5692
Latitude
-76.9421
Longitude
Key Points
- Your area has 1,281 residents with 21.5% age 65 or older (276 people), meaning Medicare coverage is key for the community.
- Median age is 45.8 years with household income of $79,167. These numbers help shape which Medicare plans fit your budget and health needs best.
- 8.1% of residents hold bachelor's degrees, supporting health literacy. All Medicare beneficiaries benefit from free SHIP counseling explaining enrollment options.
- Median home value is $204,500, showing local cost of living. Higher housing costs reduce money available for Medicare plan premiums and out-of-pocket expenses.
- Unemployment rate is 2.2%. Some older adults work past 65, which affects Medicare eligibility timing and plan choices significantly.
Demographic Data
ZIP code 17765 is located in Bradford County, Pennsylvania, centered near Towanda, with a total population of 1,281 and a median age of 45.8. This is a rural community where 21.5% of residents are 65 or older (approximately 276 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 96.7% White. Approximately 8.1% 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 $79,167, 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. With a poverty rate of 17.7%, 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 is 2.2%. The median home value is $204,500. Medicare beneficiaries in Bradford 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 is the most common mistake people make when first getting Medicare?
How do I know I am not making a terrible Medicare decision?
Should I choose a Medicare plan based mostly on my prescriptions?
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Medicare Advantage Plans
in
Heading
County
Key Takeaways
With 21.5% 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.