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Zing Select Care IN (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Zing Select Care IN (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Zing Select Care IN (HMO) in 2026, please refer to our full plan details page.
Zing Select Care IN (HMO) is a HMO plan offered by Zing Health Consolidator, Inc available for enrollment in 2025 to people living in Central and Northwest IN. This plan received an overall rating of 2.5 out of 5 stars in 2026.
It's important to know that Zing Select Care IN (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 Select Care IN (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 Select Care IN (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 $4500.00 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 Select Care IN (HMO) plan offers prescription drug coverage with a $0 drug deductible, meaning your benefits begin immediately. For Tier 1 preferred generic drugs, there is 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 fills require an $8 copay for a one-month supply, $16 for two months, or $24 for three months. Tier 3 preferred brand drugs require a $47 copay for a one-month supply at standard pharmacies and standard mail order, though a three-month mail order offers savings at a $94 copay compared to $141 at a standard pharmacy. For Tier 4 non-preferred drugs, you will pay a 25% coinsurance for one-month, two-month, or three-month supplies. Tier 5 specialty drugs are restricted to a one-month supply and carry a 33% coinsurance for both standard pharmacy and standard mail order fills.
Additional Benefits
The Zing Select Care IN (HMO) plan provides comprehensive medical coverage with no coinsurance for inpatient, outpatient, and doctor visits. Members benefit from no copay for primary care visits and preventive services, alongside an affordable $15 copay for specialist visits. Inpatient hospital stays require a $350 copay per day for days one through six with no copay for days seven through 90, while outpatient hospital services carry a $225 copay. Additional benefits include dental, vision, and hearing services with no copays or coinsurance, featuring a $2,000 annual dental maximum and a $300 yearly limit for eyewear. Routine hearing exams have no copay, and prescription hearing aids are covered up to $750 per ear every three years. Furthermore, the plan covers up to 12 one-way transportation trips per year and provides a $90 quarterly over-the-counter allowance with no copays or coinsurance.
Inpatient Hospital See details
Zing Select Care IN (HMO) partially covers inpatient hospital services with no coinsurance, requiring a $350 copay per day for days 1 through 6 and no copay for days 7 through 90. Hospital upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered under this plan.
Outpatient Services See details
Outpatient services are covered by Zing Select Care IN (HMO) with no coinsurance, including outpatient hospital services for a $225 copay and observation services for a $90 copay per stay. Ambulatory surgical center services carry a $125 copay and no coinsurance, while outpatient substance abuse and blood services are covered with no copay and no coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered under the Zing Select Care IN (HMO) plan with a $70 copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by Zing Select Care IN (HMO), with ground ambulance requiring prior authorization and a $200 copay (no coinsurance), and air ambulance requiring prior authorization and a 20% coinsurance (no copay). Transportation services are partially covered with no copay or coinsurance for up to 12 one-way trips per year to plan-approved health-related locations, while transportation to any health-related location is not covered.
Emergency Services See details
Zing Select Care IN (HMO) covers emergency services with a $125 copay, which is waived if admitted to the hospital within 24 hours, and urgently needed services with a $0 to $10 copay, both featuring no coinsurance. Worldwide emergency and urgent care are partially covered up to a $50,000 lifetime limit with no copays or coinsurance, though worldwide emergency transportation is not covered.
Primary Care See details
Primary care and specialist services under Zing Select Care IN (HMO) are covered with no coinsurance, featuring no copay for primary care visits and a $15 copay for specialists. While chiropractic services are not covered in practice, other benefits like physical therapy have a $20 copay and mental health services have no copay, all with no coinsurance.
Preventive Services See details
Zing Select Care IN (HMO) offers partially covered preventive services with no copay and no coinsurance for covered care, such as annual physicals, kidney disease education, and select fitness and safety benefits. However, several sub-services are not covered, including health education, in-home safety assessments, PERS, medical nutrition therapy, medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, caregiver support, smoking cessation, disease management, telemonitoring, and counseling.
Hearing Services See details
Zing Select Care IN (HMO) covers hearing services, featuring Medicare-covered exams for a $35 copay and no coinsurance, plus routine exams and fitting evaluations with no copay and no coinsurance. Prescription hearing aids are partially covered with no copay or coinsurance up to $750 per ear every three years, though inner ear, outer ear, over the ear, and OTC hearing aids are not covered.
Vision Services See details
Vision Services covered by Zing Select Care IN (HMO) include annual routine eye exams with no copay or coinsurance, though other eye exam services are not covered. Eyewear is also covered with no copay or coinsurance up to a $300 yearly limit for contacts or eyeglasses, but upgrades are not covered.
Dental Services See details
Zing Select Care IN (HMO) offers partially covered dental services with no copay and no coinsurance up to a $2,000 annual maximum. While exams, cleanings, and various restorative and surgical procedures are covered, other diagnostic services, other preventive services, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Zing Select Care IN (HMO) with no copay, although prior authorization is required. Medicare Part B chemotherapy, insulin, and other drugs administered during treatment carry a coinsurance ranging from no coinsurance up to 20%, with covered insulin capped at a $35 copay.
Dialysis Services See details
Dialysis services are covered by Zing Select Care IN (HMO) with no copay and a 20% coinsurance.
Medical Equipment See details
Medical equipment is covered by Zing Select Care IN (HMO) with no copay and a 20% coinsurance for durable medical equipment, prosthetics, medical supplies, and diabetic shoes. Diabetic supplies are also covered with no copay and feature a coinsurance ranging from no coinsurance to 20% coinsurance, with prior authorization required across these benefits.
Diagnostic and Radiological Services See details
Zing Select Care IN (HMO) covers diagnostic and radiological services with prior authorization, offering diagnostic tests for a $0 to $25 copay and lab services with no copay, both with no coinsurance. Radiological services feature a minimum $50 copay for diagnostic radiological services, no copay for outpatient X-rays, and a minimum 20% coinsurance for therapeutic radiological services.
Home Health Services See details
Zing Select Care IN (HMO) covers Home Health Services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the Zing Select Care IN (HMO) with no copay, no coinsurance, and prior authorization required, though only some services are covered as cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Zing Select Care IN (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20 and a $214 daily copay for days 21 through 100, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Zing Select Care IN (HMO) provides partial coverage for other services, offering no copay and no coinsurance for chronic illness meal benefits and over-the-counter (OTC) items up to $90 every three months. Acupuncture is not covered under this plan.
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