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Zing Elite Select MI (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Zing Elite Select MI (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Zing Elite Select MI (HMO) in 2026, please refer to our full plan details page.
Zing Elite Select MI (HMO) is a HMO plan offered by Zing Health Consolidator, Inc available for enrollment in 2025 to people living in Metro Detroit. This plan received an overall rating of 2.5 out of 5 stars in 2026.
It's important to know that Zing Elite Select 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 Elite Select 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 Elite Select 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 Elite Select MI (HMO) plan offers comprehensive prescription drug coverage with no drug deductible, meaning your coverage begins on day one. For Tier 1 preferred generic drugs, you will pay no copay for any supply size at standard pharmacies or through standard mail order. Tier 2 generic drugs also feature no copay when filled through standard mail order, or a low $5 copay for a one-month supply at a standard pharmacy. For Tier 3 preferred brand drugs, the plan charges a $47 copay for a one-month supply at standard pharmacies and mail order, with mail order offering a cost-saving $94 copay for a three-month supply. Higher-tier medications are subject to coinsurance, with Tier 4 non-preferred drugs requiring a 25% coinsurance and Tier 5 specialty drugs requiring a 33% coinsurance for a one-month supply.
Additional Benefits
The Zing Elite Select MI (HMO) plan offers comprehensive medical coverage with many opportunities for healthcare cost savings. Members pay no copay and no coinsurance for primary care visits, telehealth, and preventive services, while specialist visits require a $20 copay. For hospital stays, inpatient care features a $295 daily copay for the first six days and no copay thereafter, while outpatient hospital services carry a $175 copay with no coinsurance. This plan also provides robust supplemental benefits, including dental coverage up to a $2,500 annual limit and vision services with a $300 yearly eyewear allowance, both featuring no copays and no coinsurance. Additionally, members benefit from routine hearing exams and hearing aid coverage up to $750 per ear every three years with no copay, alongside a quarterly $150 allowance for over-the-counter items. Emergency care is accessible with a $125 copay, and ground ambulance services require a $200 copay with no coinsurance.
Inpatient Hospital See details
Zing Elite Select MI (HMO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $295 daily copay for days 1 through 6 and no copay for days 7 through 90. This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Zing Elite Select MI (HMO) covers outpatient services with no coinsurance, featuring a $175 copay for outpatient hospital services, a $75 copay per stay for observation services, and a $100 copay for ambulatory surgical center services. Outpatient substance abuse and blood services are also covered with no copays and no coinsurance.
Partial Hospitalization See details
Zing Elite Select MI (HMO) covers partial hospitalization services with a $70.00 copay and no coinsurance, although prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by Zing Elite Select MI (HMO), featuring a $200 copay and no coinsurance for ground ambulance services, and a 20% coinsurance and no copay for air ambulance services. Transportation services are partially covered with no copay or coinsurance for up to 32 one-way trips per year to plan-approved locations, though transportation to any health-related location is not covered.
Emergency Services See details
Zing Elite Select MI (HMO) covers emergency services with a $125 copay and no coinsurance, which is waived if admitted to the hospital within 24 hours, and urgently needed services with a $0 to $5 copay and no coinsurance. Worldwide emergency and urgent care are partially covered with no copay or coinsurance up to a $50,000 maximum limit, but worldwide emergency transportation is not covered.
Primary Care See details
Zing Elite Select MI (HMO) provides primary care physician visits, telehealth, and mental health services with no copay and no coinsurance, while chiropractic services are not covered. Specialist visits, physical therapy, and occupational therapy require a $20 copay and no coinsurance, whereas podiatry and opioid treatment services carry a $30 copay and no coinsurance.
Preventive Services See details
Preventive services under Zing Elite Select MI (HMO) are covered with no copays and no coinsurance, including annual physical exams, kidney disease education, and select screenings. Additional benefits like fitness programs and home safety modifications are also covered with no copay, though several options such as health education, nutritional therapy, and personal emergency response systems are not covered.
Hearing Services See details
Hearing services are partially covered by Zing Elite Select MI (HMO), featuring no deductibles, no coinsurance, and a $30 copay for Medicare-covered exams, while routine exams and fittings have no copay. Prescription hearing aids are covered up to $750 per ear every three years with no copay or 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 Elite Select MI (HMO), offering one annual routine eye exam and eyewear up to a $300 yearly limit with no copay, no coinsurance, and no deductible. Other eye exam services and eyewear upgrades are not covered.
Dental Services See details
Dental Services are partially covered by Zing Elite Select MI (HMO) with no copay and no coinsurance up to an annual maximum benefit of $2,500. Covered benefits include cleanings, exams, x-rays, fluoride, restorative services, endodontics, periodontics, prosthodontics, and oral surgery, 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 Elite Select MI (HMO) covers home infusion bundled services with no copay and no coinsurance, although prior authorization is required. Additionally, Medicare Part B chemotherapy, radiation, and other drugs have no copay and a 0% to 20% coinsurance, while Medicare Part B insulin carries a $35 copay and a 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the Zing Elite Select MI (HMO) plan with no copay and a 20% coinsurance.
Medical Equipment See details
Zing Elite Select MI (HMO) covers medical equipment with no copay, requiring a 20% coinsurance for durable medical equipment, prosthetic devices, medical supplies, and diabetic therapeutic shoes or inserts. Diabetic supplies are also covered with no copay and a coinsurance ranging from no coinsurance to 20%, subject to prior authorization and manufacturer limitations.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by Zing Elite Select MI (HMO), with prior authorization required for these services. Members pay no copay for lab services and outpatient X-rays, a $0 to $25 copay with no coinsurance for diagnostic procedures and tests, a minimum $40 copay for diagnostic radiological services, and a minimum 20% coinsurance for therapeutic radiological services.
Home Health Services See details
Zing Elite Select MI (HMO) covers home health services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Zing Elite Select MI (HMO) does not cover Cardiac Rehabilitation Services in practice, as cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are all excluded. While the plan technically lists no copay and no coinsurance with prior authorization, these specific services are not covered.
Skilled Nursing Facility (SNF) See details
Zing Elite Select MI (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, offering no copay for days 1 through 20 and a $214 copay for days 21 through 100. Prior authorization is required, and while a three-day inpatient hospital stay is not required prior to admission, additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by Zing Elite Select MI (HMO), which offers a chronic illness meal benefit and up to $150 every three months for over-the-counter items with no copay and no coinsurance. Acupuncture is not covered under this plan.
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