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Zing ESRD Select MI (HMO C-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Zing ESRD Select MI (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 ESRD Select MI (HMO C-SNP) in 2025, please refer to our full plan details page.
Zing ESRD Select MI (HMO C-SNP) is a HMO C-SNP plan offered by Zing Health Consolidator, Inc available for enrollment in 2025 to people living in Select Counties in Southeast Michigan. This plan received an overall rating of 3.5 out of 5 stars in 2025.
It's important to know that Zing ESRD Select MI (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 ESRD Select MI (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 ESRD Select MI (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 ESRD Select MI (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 $5445.00 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 ESRD Select MI (HMO C-SNP) plan has an enhanced alternative drug benefit. This plan has a $0 deductible. In the initial coverage phase, you will pay different amounts depending on the drug tier and pharmacy. For example, you will pay a $5 copay at a standard pharmacy for preferred generic drugs, while you will pay a $0 copay for preferred generic drugs from a standard mail pharmacy. After your total drug costs reach $2000, you enter the catastrophic coverage phase where you will pay nothing for covered drugs.
Additional Benefits
The Zing ESRD Select MI (HMO C-SNP) plan offers a range of benefits with varying cost-sharing. Inpatient hospital stays have a copay, while outpatient services, including some mental health services, often have copays. Emergency services, hearing exams, vision, and dental services are covered, with some services having no copay. This plan also includes coverage for home infusion, dialysis, and medical equipment with some coinsurance or copays. Additional benefits include coverage for over-the-counter items, and a meal benefit.
Inpatient Hospital See details
Inpatient Hospital benefits, including acute and psychiatric, are covered. For Inpatient Hospital-Acute, you will pay a $250 copay for days 1-6, and no copay for days 7-90, while Inpatient Hospital Psychiatric has the same cost-sharing structure.
Outpatient Services See details
Outpatient Services include Outpatient Hospital Services with a $225 copay, Observation Services with a $100 copay, Ambulatory Surgical Center (ASC) Services with an $85 copay, Individual and Group Sessions for Outpatient Substance Abuse with no copay, and Outpatient Blood Services with no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the Zing ESRD Select MI (HMO C-SNP) plan, with a $70 copay. Prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the Zing ESRD Select MI (HMO C-SNP) plan. Ground ambulance services have a $200 copay, while air ambulance services have 20% coinsurance. Transportation Services to a plan-approved health-related location have no copay, while 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 ESRD Select MI (HMO C-SNP) plan. Emergency Services has a $125 copay, while Urgently Needed Services has a copay between $0 and $10, and Worldwide Emergency Coverage has no copay. Worldwide Emergency Transportation is not covered.
Primary Care See details
Primary Care Physician Services, Physician Specialist Services, and Additional Telehealth Benefits have a copay between $0 and $30, while Chiropractic Services, Occupational Therapy Services, and Physical Therapy and Speech-Language Pathology Services have a $20 copay, and Opioid Treatment Program Services have a $25 copay. Mental Health Specialty Services and Psychiatric Services have no copay for Individual and Group sessions. Routine Chiropractic Care is not covered.
Preventive Services See details
Preventive Services include an annual physical exam with no copay, and additional preventive services, including services like Nutritional/Dietary Benefit, Remote Access Technologies, Home and Bathroom Safety Devices and Modifications, and Weight Management Programs with no copay. Health Education, In-Home Safety Assessment, Post discharge In-Home Medication Reconciliation, Re-admission Prevention, Wigs for Hair Loss Related to Chemotherapy, Alternative Therapies, Therapeutic Massage, Adult Day Health Services, Home-Based Palliative Care, Support for Caregivers of Enrollees, Additional Sessions of Smoking and Tobacco Cessation Counseling, Enhanced Disease Management, and Telemonitoring Services are not covered. Other covered services include Personal Emergency Response System, Medical Nutrition Therapy, In-Home Support Services, Fitness Benefit, Kidney Disease Education Services, Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit, all with no copay.
Hearing Services See details
Hearing Services include hearing exams with a $30 copay, routine hearing exams with no copay for 1 visit every year, and fitting/evaluation for hearing aids with no copay for 1 visit every three years. Prescription Hearing Aids (all types) are covered with no copay for 2 visits every three years, with a maximum benefit of $750 per ear every three years, 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 not covered.
Vision Services See details
The Zing ESRD Select MI (HMO C-SNP) plan covers vision services, including eye exams with a copay of $0-$30, and eyewear with no copay, including contact lenses, eyeglasses, eyeglass lenses, and eyeglass frames. Upgrades are not covered.
Dental Services See details
Dental services include coverage for Medicare dental services and other dental services with no copay. Additionally, the plan covers oral exams, dental x-rays, prophylaxis (cleaning), fluoride treatment, restorative services, adjunctive general services, endodontics, periodontics, prosthodontics (removable and fixed), and oral and maxillofacial surgery with no copay, but does not cover maxillofacial prosthetics, implant services, or orthodontics. There is a maximum plan benefit of $3,000 per year.
Home Infusion bundled Services See details
The Zing ESRD Select MI (HMO C-SNP) plan covers Home Infusion bundled Services, including Medicare Part B Insulin Drugs with a $35 copay and 0-20% coinsurance, Medicare Part B Chemotherapy/Radiation Drugs with 0-20% coinsurance, and Other Medicare Part B Drugs with 0-20% coinsurance. Prior authorization is required for these services.
Dialysis Services See details
Dialysis Services are covered with no coinsurance. There is no copay for this benefit.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME) with 20% coinsurance, Prosthetics/Medical Supplies with 20% coinsurance, and Diabetic Equipment with varying coinsurance. Durable Medical Equipment for use outside the home is not covered, while Diabetic Supplies have a 0-20% coinsurance and Diabetic Therapeutic Shoes/Inserts have no coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by the Zing ESRD Select MI (HMO C-SNP) plan. Diagnostic Procedures/Tests have a copay between $0 and $25, while Lab Services have no copay. Diagnostic Radiological Services have a copay between $50 and $150, and Therapeutic Radiological Services have a 20% coinsurance. Outpatient X-Ray Services have no copay.
Home Health Services See details
Home Health Services are covered by the Zing ESRD Select MI (HMO C-SNP) 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 ESRD Select MI (HMO C-SNP) plan. Prior authorization is required for these services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Zing ESRD Select MI (HMO C-SNP) plan with prior authorization required. There is no copay for days 1-20, and a $214 copay for days 21-100; additional days beyond Medicare-covered SNF stays and non-Medicare-covered SNF stays are not covered.
Other Services See details
The Zing ESRD Select MI (HMO C-SNP) plan covers Over-the-Counter (OTC) Items with no copay and a maximum benefit coverage amount of $157.00 per month, and a 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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