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ZIP code 18602 is located in Luzerne County, Pennsylvania, centered near Avoca, with a total population of 356 and a median age of 34.8. This is a suburban community where 23.0% of residents are 65 or older (approximately 82 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 77.5% White, 22.8% Hispanic/Latino. The community is highly educated, with 72.2% of adults holding a bachelor's degree or higher, which often correlates with greater health literacy and proactive engagement with Medicare plan selection.
The median household income is $172,500, 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 3.9%. The unemployment rate is 1.7%. The median home value is $365,500 and median monthly rent is $1,750. 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.
Your Luzerne County community includes 82 beneficiaries age 65 and older. The median age here is 34.8., showing an older population. At median household income of $172,500 carefully review whether Original Medicare with Medigap, Medicare Advantage plans with zero premiums, or Part D standalone drug plans fit your healthcare needs and budget.
If your household income is under $75,000 apply for Medicare Savings Programs to help cover Part B premiums and deductibles. Extra Help reduces copayments for Part D prescription drugs. Contact Pennsylvania SHIP at no cost for free, unbiased guidance on your best coverage options.