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ZIP code 18709 is located in Luzerne County, Pennsylvania, centered near Luzerne, with a total population of 2,959 and a median age of 45.8. This is a urban community where 24.2% of residents are 65 or older (approximately 717 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 90.1% White, 4.2% Black/African American, 1.1% Hispanic/Latino. Approximately 14.2% 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 $38,547, below the national median. Lower-income Medicare beneficiaries may qualify for Medicare Savings Programs (MSPs) that help pay Part B premiums, or Extra Help (Low-Income Subsidy) to reduce Part D prescription drug costs. With a poverty rate of 26.4%, a significant portion of residents may qualify for dual eligibility (Medicare and Medicaid), which provides additional benefits including dental, vision, and transportation assistance. The unemployment rate is 5.9%. The median home value is $113,700 and median monthly rent is $780. 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 717 beneficiaries age 65 and older. The median age here is 45.8., showing an older population. At median household income of $38,547 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. With unemployment at 5.9%, check dual eligibility for additional state benefits. Contact Pennsylvania SHIP at no cost for free, unbiased guidance on your best coverage options.