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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 2025, 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 3.5 out of 5 stars in 2025.
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 has a $0 deductible for prescription drugs. In the initial coverage phase, you will pay varying copays or coinsurance depending on the drug tier and pharmacy. For example, you will pay a $5 copay at a standard pharmacy for a preferred generic drug and a $0 copay for a preferred generic drug through mail order. Once your total drug costs reach $2,000, you enter the catastrophic coverage phase, where you pay nothing for covered Part D drugs. If you qualify for the low-income subsidy, you will pay $0 for Part D drugs.
Additional Benefits
The Zing Elite Select MI (HMO) plan offers a range of benefits with varying cost-sharing. Inpatient hospital stays have a copay, but outpatient services such as substance abuse and blood services have no copay. You will also find coverage for services such as ambulance, emergency, and primary care, and many preventive services, with copays or coinsurance depending on the service. Additional benefits include hearing, vision, and dental coverage, with specific copays and maximums for certain services. The plan also covers home infusion, dialysis, and medical equipment with specific copays or coinsurance. Other covered services include skilled nursing facilities, and services such as home health, and diagnostic services, with various cost-sharing arrangements.
Inpatient Hospital See details
Inpatient Hospital coverage includes a $295 copay for days 1-6 and no copay for days 7-90 for Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, with additional days for Inpatient Hospital-Acute covered with no copay. Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute, and additional days and Non-Medicare-covered stays for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient services include outpatient hospital services with a $175 copay, observation services with a $75 copay, and ambulatory surgical center services with a $100 copay. Outpatient substance abuse services, including individual and group sessions, have no copay. Outpatient blood services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered under the Zing Elite Select MI (HMO) plan. This benefit requires prior authorization and has a copay of $70.
Ambulance and Transportation Services See details
The Zing Elite Select MI (HMO) plan covers ambulance services, with a $200 copay for ground ambulance services and 20% coinsurance for air ambulance services. Transportation services to a plan-approved health-related location are covered, with no copay for up to 48 one-way trips per year, but transportation to any health-related location is not covered.
Emergency Services See details
Emergency Services with the Zing Elite Select MI (HMO) plan includes a $125 copay, and there is no coinsurance. Urgently Needed Services have a copay between $0 and $5 with no coinsurance. Worldwide Emergency Coverage and Worldwide Urgent Coverage have no copay and no coinsurance, but Worldwide Emergency Transportation is not covered.
Primary Care See details
The Zing Elite Select 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 $20 copay, mental health specialty services with no copay for individual or group sessions, podiatry services with a $30 copay, other health care professional services with no copay, psychiatric services with no copay for individual or group sessions, physical therapy and speech-language pathology services with a $20 copay, additional telehealth benefits with a copay between $0 and $30, and opioid treatment program services with a $30 copay. Routine chiropractic care is not covered.
Preventive Services See details
Preventive services, including annual physical exams, are covered with no copay. Additional preventive services, including weight management programs, glaucoma screenings, diabetes self-management training, barium enemas, digital rectal exams, and EKG following a welcome visit, are also covered with no copay.
Hearing Services See details
Hearing Services include hearing exams with a $30 copay, routine hearing exams with no copay, fitting/evaluation for hearing aids with no copay, and prescription hearing aids with a maximum benefit of $750 every three years. Prescription hearing aids are covered, but inner ear, outer ear, and over the ear hearing aids are not covered, while OTC hearing aids are also not covered.
Vision Services See details
Vision Services include eye exams and eyewear. Eye exams have a $30 copay, while routine eye exams have no copay. Eyewear, including contact lenses, eyeglasses, eyeglass lenses and frames, have no copay. There is a combined maximum of $300 for all eyewear per year, and upgrades are not covered.
Dental Services See details
The Zing Elite Select MI (HMO) plan covers dental services with no copay, including oral exams, dental x-rays, prophylaxis (cleaning), fluoride treatments, restorative services, adjunctive general services, endodontics, periodontics, prosthodontics (removable and fixed), and oral and maxillofacial surgery; however, maxillofacial prosthetics, implant services, and orthodontics are not covered. The plan has a maximum benefit of $2,500 per year.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, and prior authorization is required. The plan has a $35 copay for Medicare Part B Insulin Drugs, with coinsurance between 0% and 20% for the same. The plan also covers Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, with coinsurance between 0% and 20% for both.
Dialysis Services See details
Dialysis Services are covered by the Zing Elite Select MI (HMO) plan with a coinsurance of 20%.
Medical Equipment See details
Medical equipment is covered by the Zing Elite Select MI (HMO) plan, with a 20% coinsurance for Durable Medical Equipment (DME), Prosthetic Devices, and Diabetic Therapeutic Shoes/Inserts, and no copay. Diabetic Supplies have a coinsurance between 0% and 20%. Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by the Zing Elite Select MI (HMO) plan. Diagnostic Procedures/Tests have a copay between $0 and $25, Lab Services have no copay, and Diagnostic Radiological Services have a copay between $40 and $125. Therapeutic Radiological Services have a coinsurance of 20% or more, and Outpatient X-Ray Services have no copay.
Home Health Services See details
Home Health Services are covered by the Zing Elite Select MI (HMO) plan with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the Zing Elite Select MI (HMO) plan. Prior authorization is required for the services, but the plan does not cover Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, or SET for PAD Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Zing Elite Select MI (HMO) plan, but require prior authorization. For days 1-20, there is no copay, and for days 21-100, the copay is $214.
Other Services See details
Other Services include Over-the-Counter (OTC) Items and a Meal Benefit. Over-the-Counter (OTC) Items have no copay and a maximum benefit of $168 every three months, while the Meal Benefit has 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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