Medicare in ZIP Code 

18840

 — 

Sayre

County: 
Bradford
Last Updated:  
Suburban
Young man showing a photo frame to an elderly woman turning 65, holding a small dog on a couch.

11249

Population

41.9842

Latitude

-76.5218

Longitude

Key Points

  • ZIP 18840 in Bradford County has 11,249 residents with median age 38.3 years.
  • About 2 residents (19.6%) are 65 or older, above the national 17% average, making Medicare planning essential.
  • Median household income is $59,836. Beneficiaries may qualify for Medicare Savings Programs that help pay Part B premiums and deductibles.
  • Economic indicators: Median home value is $170,500 poverty rate 14.3%. Explore dual eligibility (Medicare plus Medicaid) for dental and vision coverage.
  • Pennsylvania SHIP offers free counseling during Open Enrollment (October 15 to December 7). Call for guidance on Original Medicare, Advantage, Medigap, or Part D.
Smiling middle-aged woman in a nursing home paid for by medicare, giving a small wrapped gift to a seated elderly man in a cozy living room.Group of happy older adults missed their medicare enrollment,  taking a cheerful selfie together in a cozy living room.Elderly man smiling during medicare AEP and handing a gift and flowers to an elderly woman who is looking up at him warmly.

Demographic Data

ZIP code 18840 is located in Bradford County, Pennsylvania, centered near Sayre, with a total population of 11,249 and a median age of 38.3. This is a suburban community where 19.6% of residents are 65 or older (approximately 2,208 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 93.0% White, 1.4% Black/African American, 1.8% Hispanic/Latino. About 35.7% of adults hold a bachelor's degree or higher.

Economic Metrics

The median household income is $59,836, 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. The poverty rate is 14.3%. The unemployment rate of 9.5% is above the national average, which may indicate a greater need for social safety net programs including Medicare-Medicaid dual eligibility. The median home value is $170,500 and median monthly rent is $906. 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.

Interactive Tools / Medicare Calculators

Decision area Tool What it answers
Enrollment Initial Enrollment Period Calculator When your 7-month Medicare eligibility window begins and ends based on your 65th birthday
Enrollment When Should I Sign Up for Medicare? The best time to enroll based on your work status, other coverage, and age
Enrollment Special Enrollment Period Checker Whether a life event qualifies you for enrollment outside the standard windows
Enrollment Late Enrollment Penalty Checker How much extra you'll pay monthly if you missed your enrollment window
Enrollment Part B Penalty Calculator The exact 10%-per-year premium increase for delayed Part B enrollment
Enrollment Part D Penalty Calculator The 1%-per-month premium increase for gaps in creditable drug coverage
Costs Cost Scenario Planner Estimated annual spending across plan types at different health utilization levels
Costs Advantage vs. Medigap Cost Comparison True cost difference between Medicare Advantage and Original Medicare with Medigap
Costs IRMAA Calculator Whether your income triggers higher Part B and Part D premiums
Costs Part A Premium Estimator Your monthly Part A premium based on work history and quarters of coverage
Costs M3P Calculator How the Medicare Prescription Payment Plan smooths your drug costs into monthly payments
Coverage Doctor & Drug Assessment Whether your providers and prescriptions are covered by a specific plan
Coverage Part D Shopping Tool Which Part D plan has the lowest total annual cost for your specific medications
Coverage Travel & Network Risk Assessment How your coverage works outside your home area and which plan types travel best
Employer/COBRA COBRA vs. Medicare Why COBRA can trigger permanent Medicare penalties and how costs compare
Employer/COBRA Employer Coverage vs. Medicare Whether your employer plan or Medicare is primary and when to transition
Employer/COBRA HSA & Medicare Compatibility How Medicare enrollment affects HSA eligibility and what to do before enrolling
Planning Caregiver Readiness Checklist Whether you have everything in place to help a loved one with Medicare decisions
Planning Document Gatherer Which documents you need to have ready before enrolling or changing plans
Planning Medigap Fit Assessment Whether Medigap or Medicare Advantage is the better fit for how you use healthcare
Planning Medigap Open Enrollment Window Whether you're inside your one-time guaranteed issue window for Medigap
Planning Medicare Savings Program Eligibility Whether your income qualifies you for help paying Medicare premiums and cost-sharing

Frequently Asked Medicare Questions

Medicare Advantage Plans 

in 

Heading

 County 

Loading Pennsylvania Medicare plans...

Loading Ohio Medicare plans...

Loading Utah Medicare plans...

Key Takeaways

Your Bradford County community includes 2 beneficiaries age 65 and older. The median age here is 38.3., showing an older population. At median household income of $59,836 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.