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Zing Select Care MI (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Zing Select Care MI (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 MI (HMO) in 2025, please refer to our full plan details page.
Zing Select Care MI (HMO) is a HMO plan offered by Zing Health Consolidator, Inc available for enrollment in 2025 to people living in Greater Detroit. This plan received an overall rating of 3.5 out of 5 stars in 2025.
It's important to know that Zing Select Care MI (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 MI (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 MI (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 MI (HMO) plan has a $0 deductible for prescription drugs. In the initial coverage phase, you'll pay varying costs depending on the drug tier and pharmacy type. For example, you will pay a $5 copay at a standard pharmacy, and a $0 copay for preferred generic drugs through the mail. After your total drug costs reach $2,000, you enter the catastrophic coverage phase and pay nothing for Part D covered drugs. However, you may still pay a share of the costs for excluded drugs covered under any enhanced benefit.
Additional Benefits
The Zing Select Care MI (HMO) plan offers a wide range of benefits with varying costs. The plan covers inpatient and outpatient hospital services, with copays ranging from $0 to $300. You'll also find coverage for services like primary care, preventive care, hearing, vision, and dental, often with no copay or a small copay. Additional benefits include ambulance services, emergency services, and home health services, as well as coverage for medical equipment and diagnostic services. The plan also offers over-the-counter items and meal benefits, with no copay for these services. However, some services like certain hearing aids, specific dental procedures, and additional hours of care are not covered.
Inpatient Hospital See details
Inpatient Hospital benefits are covered by the Zing Select Care MI (HMO) plan. For Inpatient Hospital-Acute, you will pay a $300 copay for days 1-6, and no copay for days 7-90. For Inpatient Hospital Psychiatric, you will pay a $300 copay for days 1-6, and no copay for days 7-90. However, Non-Medicare-covered Stay and Upgrades for Inpatient Hospital-Acute, and Additional Days and Non-Medicare-covered Stay for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient services are covered by the Zing Select Care MI (HMO) plan, including outpatient hospital services with a $200 copay, observation services with a $90 copay, ambulatory surgical center services with a $100 copay, and outpatient substance abuse services with no copay for both individual and group sessions. Outpatient blood services are also covered with no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the Zing Select Care MI (HMO) plan, but requires prior authorization. The copay for this benefit is $60.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the Zing Select Care MI (HMO) plan. Ground ambulance services have a $200 copay, while air ambulance services have a 20% coinsurance. Transportation Services to a plan-approved health-related location are covered with no copay, for up to 38 one-way trips per year, but transportation to any health-related location is not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Coverage are covered under the Zing Select Care MI (HMO) plan. Emergency Services have a $125 copay, and Urgently Needed Services have a copay between $0 and $10, while Worldwide Emergency Coverage has no copay; Worldwide Emergency Transportation is not covered.
Primary Care See details
The Zing Select Care MI (HMO) plan 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 $25 copay, and mental health specialty services with no copay for individual and group sessions. The plan also covers podiatry services and other health care professional services, with varying copays, physical therapy and speech-language pathology services with a $20 copay, additional telehealth benefits with a copay between $0 and $35, and opioid treatment program services with a $35 copay. Routine chiropractic care is not covered.
Preventive Services See details
Preventive Services are covered by the Zing Select Care MI (HMO) plan, including an annual physical exam with no copay, and additional services such as weight management programs, in-home support services, fitness benefits, remote access technologies, home and bathroom safety devices, and kidney disease education services. Health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge in-home medication reconciliation, readmission prevention, wigs for hair loss, alternative therapies, therapeutic massage, adult day health services, nutritional/dietary benefits, home-based palliative care, support for caregivers of enrollees, additional sessions of smoking and tobacco cessation counseling, enhanced disease management, telemonitoring services, and counseling services are not covered. Other preventive services, such as glaucoma screenings, diabetes self-management training, barium enemas, digital rectal exams, and EKGs following a welcome visit, are covered with no copay.
Hearing Services See details
Hearing Services includes Hearing Exams with a $35 copay, as well as Routine Hearing Exams and Fitting/Evaluation for Hearing Aid with no copay. Prescription Hearing Aids (all types) are covered with no copay, but Prescription Hearing Aids - Inner Ear, Prescription Hearing Aids - Outer Ear, and Prescription Hearing Aids - Over the Ear are not covered, and OTC Hearing Aids are also not covered.
Vision Services See details
Vision services include eye exams, eyewear, and contact lenses. Eye exams have a $35 copay, and routine eye exams have no copay. Eyewear and contact lenses have no copay, and upgrades are not covered.
Dental Services See details
Dental services are covered, with no copay for Medicare Dental Services and Other Dental Services. Orthodontic Services are covered, with a maximum benefit of $2,500 per year. Maxillofacial Prosthetics, Implant Services, and Orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered and require prior authorization. The plan covers Medicare Part B Insulin Drugs with a $35 copay and 0-20% coinsurance, and it covers Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs with 0-20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the Zing Select Care MI (HMO) plan with a coinsurance between 20% and 20%.
Medical Equipment See details
Medical Equipment is covered by the Zing Select Care MI (HMO) plan, including Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment. DME has a 20% coinsurance, while Durable Medical Equipment for use outside the home is not covered. Prosthetic Devices and Medical Supplies have a 20% coinsurance, while Diabetic Supplies have a coinsurance between 0-20% and Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services includes coverage for all diagnostic services, with copays ranging from $0 to $25, and all lab services with no copay. Diagnostic Radiological Services have a copay of at most $150, and Therapeutic Radiological Services have a coinsurance of at least 20%.
Home Health Services See details
Home Health Services are covered by the Zing Select Care MI (HMO) plan with no copay and no coinsurance, but additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but 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. Prior authorization is required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Zing Select Care MI (HMO) plan, but require prior authorization. There is no copay for days 1-20, and a $214 copay per day for days 21-100. Additional days beyond Medicare-covered and non-Medicare-covered SNF stays are not covered.
Other Services See details
Other Services include coverage for Over-the-Counter (OTC) items and Meal Benefits with no copay, but acupuncture and several other services are not covered. The plan offers up to $132 for OTC items every three months.
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