Medicare in ZIP Code
18221
—
Avoca
435
Population
41.0016
Latitude
-75.9057
Longitude
Key Points
- ZIP code 18221 in Luzerne County has 435 residents. This demographic profile shapes healthcare needs and Medicare coverage demand.
- About 23.7% of residents are 65 or older (above the national average), with median age 33.7. reflecting an aging community.
- Median household income of $68,393, may qualify residents for Extra Help and Medicare Savings Programs that reduce drug costs and premiums.
- Poverty rate of 11.3% reflects relatively stable economic conditions; residents should still explore assistance programs and coverage options.
- Open Enrollment (October 15–December 7) is your annual opportunity to switch plans. Luzerne County Area Agency on Aging and Pennsylvania SHIP offer free Medicare counseling.
Demographic Data
ZIP code 18221 is located in Luzerne County, Pennsylvania, centered near Avoca, with a total population of 435 and a median age of 33.7. This is a suburban community where 23.7% of residents are 65 or older (approximately 103 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 100.0% White. Approximately 9.9% 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 $68,393, 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. The poverty rate is 11.3%. The unemployment rate of 27.1% 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 $188,500. Medicare beneficiaries in Luzerne 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
Does Medicare Advantage cover care outside my home service area?
Do I apply for Medicare online, by phone, or in person?
Which Medicare Advantage plans include University of Utah Health providers?
Which Medicare plans in Utah are strongest for Salt Lake County?
What are the most important variables in choosing a Medicare plan?
Medicare Advantage Plans
in
Heading
County
Key Takeaways
Residents in ZIP 18221 should carefully compare Original Medicare with Medigap supplemental insurance against Medicare Advantage plans, selecting based on your personal healthcare needs and doctor preferences. Compare specific coverage, costs, and provider networks during annual Open Enrollment (October 15–December 7). Original Medicare allows unrestricted provider choice; Medicare Advantage typically offers lower premiums but requires using in-network doctors.
Review your Part D prescription drug plan coverage every year because formularies, copayment amounts, and plan availability change annually. If you discover a plan with better costs or better coverage for your specific medications, you can switch during Open Enrollment at no penalty. Pennsylvania SHIP counselors help you compare options and complete enrollment forms at no charge.