A non-government entity
Zing Choice IL (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Zing Choice IL (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Zing Choice IL (HMO) in 2026, please refer to our full plan details page.
Zing Choice IL (HMO) is a HMO plan offered by Zing Health Consolidator, Inc available for enrollment in 2025 to people living in Northeast and Northern Illinois. This plan received an overall rating of 2.5 out of 5 stars in 2026.
It's important to know that Zing Choice IL (HMO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Zing Choice IL (HMO).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For Zing Choice IL (HMO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has no drug deductible. Your prescription medication coverage will start immediately.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $3850.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The Zing Choice IL (HMO) Medicare plan features a $0 drug deductible, meaning your prescription coverage begins immediately. For Tier 1 preferred generic drugs, you will pay no copay for up to a three-month supply through standard pharmacies or standard mail order. Tier 2 generic drugs also feature no copay when filled via standard mail order, while standard pharmacy copays range from $5 for a one-month supply to $15 for a three-month supply. For Tier 3 preferred brand drugs, standard pharmacy copays are $47 for one month and up to $141 for three months, though standard mail order offers a discounted three-month copay of $94. Higher-tier prescriptions require coinsurance, with Tier 4 non-preferred drugs carrying a 25% coinsurance and Tier 5 specialty drugs requiring a 33% coinsurance for a one-month supply. This structure provides affordable options for everyday medications while utilizing standard mail order for additional savings.
Additional Benefits
The Zing Choice IL (HMO) plan offers robust medical coverage with low out-of-pocket costs, featuring no copays or coinsurance for primary care, mental health visits, and annual preventive services. Specialist visits require a low $10 copay, while inpatient hospital stays incur a $200 daily copay for the first six days followed by no copay for additional days. Outpatient hospital services carry a $225 copay with no coinsurance, and emergency care is covered with a $125 copay that is waived if admitted. Members also benefit from comprehensive dental, vision, and hearing coverage, including no copay for routine cleanings, annual eye exams, and routine hearing tests. Dental services are covered up to a $2,000 annual limit, eyewear is covered up to $200 yearly, and hearing aids are covered up to $750 per ear every three years. Additionally, the plan provides a $130 quarterly allowance for over-the-counter items and up to 12 one-way transportation trips per year with no copay.
Inpatient Hospital See details
Zing Choice IL (HMO) inpatient hospital benefits are partially covered, requiring no coinsurance alongside a $200 daily copay for days 1 through 6 and no copay for days 7 through 90. Unlimited additional acute care days are covered at no copay, but additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Zing Choice IL (HMO) covers outpatient hospital services with a $225 copay, observation services with a $90 copay per stay, and ambulatory surgical center services with a $125 copay, all with no coinsurance. Outpatient substance abuse sessions and outpatient blood services are also covered with no copay and no coinsurance.
Partial Hospitalization See details
Zing Choice IL (HMO) covers partial hospitalization services with a $70.00 copay and no coinsurance. Prior authorization is required to receive this benefit.
Ambulance and Transportation Services See details
Zing Choice IL (HMO) covers ground ambulance services with a $175 copay and air ambulance services with a 20% coinsurance, with prior authorization required. Transportation services are partially covered with no copay and no coinsurance for up to 12 one-way trips per year to plan-approved locations, though transportation to any health-related location is not covered.
Emergency Services See details
Emergency services under Zing Choice IL (HMO) are covered with a $125 copay (waived if admitted within 24 hours) and no coinsurance, while urgently needed services range from no copay to a $10 copay with no coinsurance. Worldwide emergency and urgent care are partially covered up to a $50,000 maximum with no copays or coinsurance, though worldwide emergency transportation is not covered.
Primary Care See details
Zing Choice IL (HMO) provides primary care, mental health, and psychiatric services with no copay and no coinsurance, while specialist visits require a $10 copay and no coinsurance. Physical, occupational, and speech therapies have a $20 copay and no coinsurance, but chiropractic services are not covered.
Preventive Services See details
Preventive services are covered by Zing Choice IL (HMO) with no copay and no coinsurance, including annual physicals, kidney disease education, and diabetes self-management training. Additional preventive services are partially covered, excluding health education, in-home safety assessments, personal emergency response systems, nutritional therapy, weight management, alternative therapies, and counseling.
Hearing Services See details
Hearing services are partially covered by Zing Choice IL (HMO), offering Medicare-covered exams for a $25 copay and no coinsurance, and routine exams or fittings with no copay and no coinsurance. Prescription hearing aids are covered up to $750 per ear every three years with no copay and no coinsurance, but OTC, inner ear, outer ear, and over the ear hearing aids are not covered.
Vision Services See details
Vision services are partially covered by Zing Choice IL (HMO) with no deductible and no coinsurance, although other eye exam services and eyewear upgrades are not covered. Covered eye exams carry a $25 copay and no coinsurance, while routine annual eye exams and eyewear (up to a $200 yearly limit) are provided with no copay and no coinsurance.
Dental Services See details
Zing Choice IL (HMO) offers partially covered dental services with no copay and no coinsurance up to a maximum annual benefit of $2,000. Covered benefits include oral exams, cleanings, and restorative care, while other diagnostic dental services, other preventive dental services, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Zing Choice IL (HMO) covers home infusion bundled services with no copay, subject to prior authorization. Associated Medicare Part B drugs, including chemotherapy and insulin, carry a coinsurance ranging from no coinsurance to 20%, with insulin also requiring a $35 copay.
Dialysis Services See details
Dialysis Services are covered under the Zing Choice IL (HMO) plan with no copay and a 20% coinsurance.
Medical Equipment See details
Zing Choice IL (HMO) covers medical equipment, including durable medical equipment, prosthetics, and diabetic shoes, with no copay and a 20% coinsurance. Diabetic supplies are also covered with no copay and range from no coinsurance to 20% coinsurance, with prior authorization required across these benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by Zing Choice IL (HMO), with prior authorization required. Lab services and outpatient X-rays have no copay and no coinsurance, while other diagnostic tests range from a $0 to $25 copay, diagnostic radiological services start at a $50 copay, and therapeutic radiological services require a minimum 20% coinsurance.
Home Health Services See details
Home Health Services are covered by Zing Choice IL (HMO) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Zing Choice IL (HMO) covers cardiac rehabilitation services with no copay and no coinsurance, meaning some services are covered, though prior authorization is required. However, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by Zing Choice IL (HMO) with no coinsurance, requiring no copay for days 1 through 20 and a $214 copay for days 21 through 100. Prior authorization is required, and while a prior three-day inpatient hospital stay is not required for admission, additional days beyond standard Medicare coverage are not covered.
Other Services See details
Other Services are partially covered by Zing Choice IL (HMO), which offers over-the-counter items (up to $130 every three months) and chronic illness meal benefits with no copay and no coinsurance, while acupuncture is not covered.
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