Medicare in ZIP Code
18038
—
Walnutport
3459
Population
40.7866
Latitude
-75.5186
Longitude
Key Points
- ZIP code 18038 in Northampton County has 3,459 residents. This demographic profile shapes healthcare needs and Medicare coverage demand.
- About 17.8% of residents are 65 or older (above the national average), with median age 50.2. reflecting an aging community.
- Median household income of $111,515, allows many residents to choose between Medicare Advantage and Original Medicare with Medigap supplemental coverage.
- Some residents may qualify for assistance programs helping pay Medicare premiums and prescription drug costs. SHIP provides free eligibility assessments.
- Open Enrollment (October 15–December 7) is your annual opportunity to switch plans. Northampton County Area Agency on Aging and Pennsylvania SHIP offer free Medicare counseling.
Demographic Data
ZIP code 18038 is located in Northampton County, Pennsylvania, centered near Walnutport, with a total population of 3,459 and a median age of 50.2. This is a suburban community where 17.8% of residents are 65 or older (approximately 617 individuals), near the national average. Medicare beneficiaries here have access to a range of plan options suited to diverse healthcare needs. The racial and ethnic composition includes 97.3% White. Approximately 16.1% 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 $111,515, above the national median. Higher-income Medicare beneficiaries should note that Income-Related Monthly Adjustment Amounts (IRMAA) may apply to Part B and Part D premiums for individuals earning above $106,000 or couples above $212,000 annually. The poverty rate is relatively low at 1.6%. The unemployment rate is 2.8%. The median home value is $248,200 and median monthly rent is $1,689. Medicare beneficiaries in Northampton 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 do people usually forget to check before enrolling in Medicare?
Is Medicare the same thing as health insurance?
What if the plan directory says my doctor is in-network but the office says they are not?
Medicare Advantage Plans
in
Heading
County
Key Takeaways
Residents in ZIP 18038 with stable household incomes should carefully compare Original Medicare with Medigap supplemental coverage against Medicare Advantage plan options during annual Open Enrollment. Original Medicare provides broad provider access nationwide; Medicare Advantage typically includes prescription drug coverage and lower monthly premiums but requires using in-network providers.
Many insurance companies offer $0-premium Medicare Advantage plans that also cover Part D prescriptions and preventive services. Carefully review Part D formularies to ensure your current medications are covered at preferred copay rates. Pennsylvania SHIP provides objective, unbiased plan comparisons and enrollment help during Open Enrollment (October 15–December 7).