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ZIP code 18222 is located in Luzerne County, Pennsylvania, centered near Avoca, with a total population of 9,946 and a median age of 44.5. This is a suburban community where 19.7% of residents are 65 or older (approximately 1,957 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 88.0% White, 2.5% Black/African American, 7.1% Hispanic/Latino. About 30.4% of adults hold a bachelor's degree or higher.
The median household income is $102,656, 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 9.8%. The unemployment rate is 3.4%. The median home value is $227,600 and median monthly rent is $1,436. 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.
Residents in ZIP 18222 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).