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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 2025, 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 3.5 out of 5 stars in 2025.
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 has a $0 deductible for prescription drugs. During the initial coverage phase, you will pay varying copays or coinsurance depending on the drug tier and pharmacy type. For example, you will pay $8.00 copay for preferred generic drugs at a standard pharmacy, or 33% coinsurance for preferred brand drugs at a standard pharmacy. Once your total drug costs reach $2000.00, you enter the catastrophic coverage phase where you pay nothing for Medicare Part D covered drugs. Please note that the plan's premium may be reduced if you qualify for the low-income subsidy (LIS).
Additional Benefits
The Zing Select Care IN (HMO) plan offers a range of benefits with varying costs. Inpatient hospital stays have a $350 copay for the first six days, and then no copay for the remainder of the stay. Outpatient services, primary care visits, and many preventive services are covered with no copay. The plan also covers vision, dental, and hearing services. Vision includes eye exams and eyewear with no copay. Dental services have no copay for many services, with a $2,000 annual maximum. Hearing exams, hearing aid fittings, and prescription hearing aids are covered, with a $750 maximum benefit per ear every three years.
Inpatient Hospital See details
The Inpatient Hospital benefit covers Inpatient Hospital-Acute and Inpatient Hospital Psychiatric services, with a $350 copay for days 1-6 and no copay for days 7-90. Additional days for Inpatient Hospital-Acute are covered, while the Non-Medicare-covered Stay and Upgrades for Inpatient Hospital-Acute, and the Additional Days and Non-Medicare-covered Stay for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services include coverage for outpatient hospital services with a $225 copay, observation services with a $90 copay, ambulatory surgical center services with a $125 copay, and outpatient blood services with no copay. Outpatient substance abuse services include individual and group sessions with no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the Zing Select Care IN (HMO) plan, with a $70 copay. Prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, including ground and air ambulance services, as well as transportation services to plan-approved health-related locations. Ground ambulance services have a $200 copay, while air ambulance services have a 20% coinsurance. Transportation services to plan-approved health-related locations have no copay, and are limited to 24 one-way trips per year via taxi, rideshare, bus/subway, or medical transport. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Coverage are covered by the Zing Select Care IN (HMO) plan. Emergency Services have a $125 copay, while Urgently Needed Services have a copay between $0 and $10. Worldwide Emergency Coverage has no copay, while Worldwide Emergency Transportation is not covered.
Primary Care See details
Zing Select Care IN (HMO) covers primary care physician services with no copay, chiropractic services with a $20 copay, occupational therapy services with a $20 copay, physician specialist services with a $15 copay, mental health specialty services with no copay for individual and group sessions, podiatry services with a $20-$35 copay, other health care professional services with no copay, psychiatric services with no copay for individual and group sessions, physical therapy and speech-language pathology services with a $20 copay, additional telehealth benefits with a $0-$35 copay, and opioid treatment program services with a $35 copay. Routine Chiropractic Care is not covered.
Preventive Services See details
The Zing Select Care IN (HMO) plan covers preventive services, including an annual physical exam with no copay. The plan also covers additional preventive services like weight management programs, in-home support services, and remote access technologies with no copay, but some services like health education are not covered.
Hearing Services See details
Hearing services include hearing exams with a $35 copay, routine hearing exams with no copay, and fitting/evaluation for hearing aids with no copay. Prescription hearing aids are covered, with a maximum plan benefit of $750 per ear every three years, while OTC hearing aids are not covered.
Vision Services See details
Vision Services includes eye exams with a $35 copay, and eyewear with no copay. Contact lenses, eyeglasses (lenses and frames), and eyeglass lenses and frames are covered with no copay, and upgrades are not covered.
Dental Services See details
Dental services include no copay for Medicare Dental Services, Other Dental Services, Restorative Services, Adjunctive General Services, Endodontics, Periodontics, Prosthodontics (removable and fixed), and Oral and Maxillofacial Surgery, but a maximum of $2,000 is covered per year. Oral exams, dental x-rays, prophylaxis (cleaning), and fluoride treatments are covered with no copay. Maxillofacial Prosthetics, Implant Services, and Orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered under the Zing Select Care IN (HMO) plan. Specifically, Medicare Part B Insulin Drugs have a $35 copay, and coinsurance between 0% and 20% applies to Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs.
Dialysis Services See details
Dialysis Services are covered by the Zing Select Care IN (HMO) plan. You will pay 20% coinsurance for this benefit.
Medical Equipment See details
Medical equipment is covered by the Zing Select Care IN (HMO) plan, with Durable Medical Equipment (DME) covered with 20% coinsurance and no copay, though equipment for use outside the home is not covered. Prosthetic devices and medical supplies are covered, with a 20% coinsurance and no copay. Diabetic equipment is also covered, with Diabetic Supplies covered with 0-20% coinsurance and no copay, and Diabetic Therapeutic Shoes/Inserts covered with 20% coinsurance and no copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by the Zing Select Care IN (HMO) plan. Diagnostic Procedures/Tests have a copay between $0 and $25, and Lab Services have no copay, while Diagnostic Radiological Services have a copay between $50 and $150, and Therapeutic Radiological Services have 20% coinsurance.
Home Health Services See details
Home Health Services are covered by the Zing Select Care IN (HMO) plan with no copay and no coinsurance, but additional hours of care and personal care services are not covered. Authorization is required for this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the Zing Select Care IN (HMO) plan. The plan does not cover Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, or Additional Cardiac Rehabilitation Services.
Skilled Nursing Facility (SNF) See details
The Zing Select Care IN (HMO) plan covers Skilled Nursing Facility (SNF) services with prior authorization required. For days 1-20, there is no copay, and for days 21-100, the copay is $214 per day.
Other Services See details
Other Services include Over-the-Counter (OTC) Items and Meal Benefit, with no copay. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.
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