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Zing Essential Wellness Diabetes & Heart IL (HMO C-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Zing Essential Wellness Diabetes & Heart IL (HMO C-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Zing Essential Wellness Diabetes & Heart IL (HMO C-SNP) in 2026, please refer to our full plan details page.
Zing Essential Wellness Diabetes & Heart IL (HMO C-SNP) is a HMO C-SNP 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 Essential Wellness Diabetes & Heart IL (HMO C-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
Zing Essential Wellness Diabetes & Heart IL (HMO C-SNP)is a Special Needs Type (SNP) plan. This means you can only enroll in this plan if you meet specific criteria. See our full plan details page for more information.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Zing Essential Wellness Diabetes & Heart IL (HMO C-SNP).
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 Essential Wellness Diabetes & Heart IL (HMO C-SNP), 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 $3650.00 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:
Sign up for Zing Essential Wellness Diabetes & Heart IL (HMO C-SNP)
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Drug Coverage
The Zing Essential Wellness Diabetes & Heart IL (HMO C-SNP) prescription drug plan features a $0 drug deductible, meaning your coverage begins immediately. You will pay no copay for Tier 1 Preferred Generic and Tier 6 Select Care Drugs at standard pharmacies and through standard mail order. Additionally, Tier 2 Generic medications require a low $5 copay for a one-month supply at standard pharmacies and have no copay when filled via standard mail order. For Tier 3 Preferred Brand drugs, you will pay a $47 copay for a one-month supply at standard pharmacies or mail order, with three-month mail order supplies capped at a $94 copay. Higher-tier medications require coinsurance, with Tier 4 Non-Preferred Drugs carrying a 25% coinsurance and Tier 5 Specialty Tier drugs requiring 33% coinsurance for a one-month supply.
Additional Benefits
The Zing Essential Wellness Diabetes & Heart IL (HMO C-SNP) offers comprehensive medical coverage with no copay for primary care visits, preventive services, and routine home health care. For inpatient hospital stays, members pay a daily copay of $275 for days 1 through 6 and no copay for days 7 through 90. Outpatient hospital services require a $200 copay, while emergency care is covered with a $135 copay that is waived if the member is admitted. This plan also features robust supplemental benefits, including no copay for routine dental care up to a $2,500 annual limit and no copay for annual vision and hearing exams. Members receive a $300 yearly allowance for eyewear and up to $750 per ear every three years for prescription hearing aids, both with no copay. Additionally, the plan covers up to 30 one-way transportation trips per year and provides a $75 quarterly over-the-counter allowance with no copay.
Inpatient Hospital See details
Zing Essential Wellness Diabetes & Heart IL (HMO C-SNP) partially covers inpatient hospital services with no coinsurance and a copay of $275 per day for days 1 through 6, and no copay for days 7 through 90. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered under this benefit.
Outpatient Services See details
Outpatient services under the Zing Essential Wellness Diabetes & Heart IL (HMO C-SNP) are covered with no coinsurance, featuring a $200 copay for outpatient hospital services, a $150 copay per stay for observation services, and a $100 copay for ambulatory surgical center services. Outpatient substance abuse sessions and blood services are also covered with no copay and no coinsurance.
Partial Hospitalization See details
Zing Essential Wellness Diabetes & Heart IL (HMO C-SNP) covers partial hospitalization services with a $70.00 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
Zing Essential Wellness Diabetes & Heart IL (HMO C-SNP) covers ground ambulance services with a $175 copay and air ambulance services with a 20% coinsurance, both requiring prior authorization. Transportation services are partially covered with no copay or coinsurance for up to 30 one-way trips per year to plan-approved locations, though transportation to any health-related location is not covered.
Emergency Services See details
Zing Essential Wellness Diabetes & Heart IL (HMO C-SNP) covers emergency services with a $135 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services feature no copay to a $10 copay with no coinsurance, and worldwide emergency and urgent services are covered up to $100,000 with no copay or coinsurance, though worldwide emergency transportation is not covered.
Primary Care See details
Primary care benefits through Zing Essential Wellness Diabetes & Heart IL (HMO C-SNP) include primary care visits, mental health, and psychiatric services with no copay and no coinsurance. Specialist visits require a $0 to $15 copay, therapy services have a $20 copay, and podiatry costs $0 to $10, all with no coinsurance, while chiropractic services are not covered.
Preventive Services See details
Preventive services are covered by Zing Essential Wellness Diabetes & Heart IL (HMO C-SNP) with no copay and no coinsurance, including annual physicals, kidney disease education, and diabetes self-management training. This benefit is partially covered, as it excludes health education, in-home safety assessments, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, palliative care, caregiver support, additional smoking cessation, enhanced disease management, telemonitoring, and counseling.
Hearing Services See details
Hearing services covered by Zing Essential Wellness Diabetes & Heart IL (HMO C-SNP) include routine hearing exams and fitting evaluations with no copay and no coinsurance, while Medicare-covered exams require a $20 copay and no coinsurance. Prescription hearing aids are partially covered with no copay or coinsurance up to $750 per ear every three years, 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 Essential Wellness Diabetes & Heart IL (HMO C-SNP), as other eye exam services and eyewear upgrades are not covered. One annual routine eye exam and eyewear (including contacts, frames, and lenses) are available with no copay or coinsurance, subject to a $300 yearly maximum for eyewear.
Dental Services See details
Dental Services are partially covered by Zing Essential Wellness Diabetes & Heart IL (HMO C-SNP), offering no copay and no coinsurance for covered preventive and comprehensive care up to a $2,500 yearly limit. While cleanings, exams, x-rays, and restorative care are covered, this plan does not cover implants, orthodontics, maxillofacial prosthetics, other diagnostic services, or other preventive services.
Home Infusion bundled Services See details
Zing Essential Wellness Diabetes & Heart IL (HMO C-SNP) covers Home Infusion bundled services with no copay and no coinsurance, though prior authorization is required. Related Medicare Part B drugs, including chemotherapy and insulin, are covered with a 0% to 20% coinsurance, with insulin also requiring a $35 copay.
Dialysis Services See details
Zing Essential Wellness Diabetes & Heart IL (HMO C-SNP) covers dialysis services with no copay and a 20% coinsurance.
Medical Equipment See details
Zing Essential Wellness Diabetes & Heart IL (HMO C-SNP) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic equipment and supplies are also covered with no copay, featuring no coinsurance for therapeutic shoes or inserts and up to a 20% coinsurance for other diabetic supplies.
Diagnostic and Radiological Services See details
Zing Essential Wellness Diabetes & Heart IL (HMO C-SNP) covers diagnostic and radiological services with prior authorization, offering no copay for lab services and outpatient X-rays, and a $0 to $25 copay with no coinsurance for diagnostic tests. Diagnostic radiological services require a minimum $50 copay, while therapeutic radiological services incur a minimum 20% coinsurance.
Home Health Services See details
Home Health Services are covered by Zing Essential Wellness Diabetes & Heart IL (HMO C-SNP) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Zing Essential Wellness Diabetes & Heart IL (HMO C-SNP) covers Cardiac Rehabilitation Services with no copay and no coinsurance, though prior authorization is required. While some services are covered, specific programs such as 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
Zing Essential Wellness Diabetes & Heart IL (HMO C-SNP) covers Skilled Nursing Facility (SNF) services with no coinsurance, though prior authorization is required. You will pay no copay for days 1 through 20 and a $214 daily copay for days 21 through 100, with no prior three-day hospital stay required.
Other Services See details
Zing Essential Wellness Diabetes & Heart IL (HMO C-SNP) partially covers other services, providing over-the-counter (OTC) items and meal benefits with no copay and no coinsurance, while acupuncture is not covered. Eligible members receive a $75 maximum benefit every three months for OTC items, and meal benefits are covered for chronic illnesses or qualifying medical conditions.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
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