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ZIP code 18831 is located in Bradford County, Pennsylvania, centered near Towanda, with a total population of 1,065 and a median age of 53.8. This is a rural community with a notably high senior population — 33.1% of residents are 65 or older (approximately 353 individuals), well above the national average of 17%. This creates strong demand for Medicare services, local healthcare providers, and senior support programs. The racial and ethnic composition includes 91.8% White, 2.5% Asian. Approximately 16.9% of adults hold a bachelor's degree or higher — SHIP counselors and community health workers can help residents navigate Medicare enrollment and plan choices.
The median household income is $77,411, 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 3.2%. The unemployment rate is 4.3%. The median home value is $189,100 and median monthly rent is $831. Medicare beneficiaries in Bradford 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 Bradford County community includes 353 beneficiaries age 65 and older. The median age here is 53.8., showing an older population. At median household income of $77,411 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.