Medicare in ZIP Code
17778
—
Lock Haven
73
Population
41.2745
Latitude
-77.9315
Longitude
Key Points
- Your area has 73 residents with 26.0% age 65 or older (19 people), meaning Medicare coverage is key for the community.
- Median age is 54.1 years with household income of $48,750. These numbers help shape which Medicare plans fit your budget and health needs best.
- Poverty is low at 5.5%, suggesting financial stability. Still, all retirees should compare Original Medicare, Medicare Advantage, and Medigap options.
- 5.7% of residents hold bachelor's degrees, supporting health literacy. All Medicare beneficiaries benefit from free SHIP counseling explaining enrollment options.
- Median home value is $158,900, showing local cost of living. Higher housing costs reduce money available for Medicare plan premiums and out-of-pocket expenses.
Demographic Data
ZIP code 17778 is located in Clinton County, Pennsylvania, centered near Lock Haven, with a total population of 73 and a median age of 54.1. This is a rural community with a notably high senior population — 26.0% of residents are 65 or older (approximately 19 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 100.0% White. Approximately 5.7% 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 $48,750, 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. The poverty rate is relatively low at 5.5%. The median home value is $158,900. 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
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Medicare Advantage Plans
in
Heading
County
Key Takeaways
With 26.0% 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.
Even with low poverty at 5.5%, free help is available. Pennsylvania SHIP counselors explain Original Medicare, Advantage, Medigap, and Part D prescriptions at no cost. They compare plans and discuss switching without bias. Contact SHIP anytime—it's your federal right to unbiased assistance year-round.