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ZIP code 18656 is located in Luzerne County, Pennsylvania, centered near Avoca, with a total population of 2,128 and a median age of 48.4. This is a suburban community where 22.0% of residents are 65 or older (approximately 468 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 95.7% White. Approximately 24.7% of adults hold a bachelor's degree or higher — SHIP counselors and community health workers can help residents navigate Medicare enrollment and plan choices.
The median household income is $74,764, 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 relatively low at 5.2%. The unemployment rate is 4.1%. The median home value is $207,100 and median monthly rent is $927. 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 468 beneficiaries age 65 and older. The median age here is 48.4., showing an older population. At median household income of $74,764 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.