Medicare in ZIP Code 

17779

 — 

Lock Haven

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

146

Population

41.1948

Latitude

-77.3764

Longitude

Key Points

  • Population is 146 with significant senior population. Medicare planning affects many households here.
  • Median age is 25.0 years with household income of $51,750. These numbers help shape which Medicare plans fit your budget and health needs best.
  • 25.0% of residents hold bachelor's degrees, supporting health literacy. All Medicare beneficiaries benefit from free SHIP counseling explaining enrollment options.
  • Median home value is $164,600, showing local cost of living. Higher housing costs reduce money available for Medicare plan premiums and out-of-pocket expenses.
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 17779 is located in Clinton County, Pennsylvania, centered near Lock Haven, with a total population of 146 and a median age of 25.0. This is a suburban community where 6.2% of the population is 65 or older (approximately 9 individuals). While the senior share is below the national average, Medicare beneficiaries in this area still access quality healthcare options. The racial and ethnic composition includes 100.0% White. About 25.0% of adults hold a bachelor's degree or higher.

Economic Metrics

The median household income is $51,750, 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 median home value is $164,600. 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

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

Medicare has three main paths for those 65+. Original Medicare covers 80% of allowed services through any provider nationwide. Medicare Advantage bundles coverage in networks with lower costs. Medigap supplements Original Medicare for broader access. Enroll October 15 through December 7 each year.

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.