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Zing ESRD Select IN (HMO C-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Zing ESRD Select IN (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 IN (HMO C-SNP) in 2025, please refer to our full plan details page.
Zing ESRD Select IN (HMO C-SNP) is a HMO C-SNP plan offered by Zing Health Consolidator, Inc available for enrollment in 2025 to people living in Central and Northwest IN. This plan received an overall rating of 3.5 out of 5 stars in 2025.
It's important to know that Zing ESRD Select IN (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 IN (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 IN (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 IN (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 $4950.00 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 IN (HMO C-SNP) plan has a $0 deductible for prescription drugs. In the initial coverage phase, you will pay different amounts depending on the drug tier and pharmacy. For example, in the standard pharmacy, you will pay a $5 copay for preferred generic drugs, a $47 copay for standard generic drugs, and 33% coinsurance for preferred brand and non-preferred drugs. Once your total drug costs reach $2000, you enter the catastrophic coverage phase where you pay nothing for your Part D covered drugs. However, you may still pay a share of the costs for excluded drugs covered under any enhanced benefit. Please check the plan’s formulary for specific drugs covered.
Additional Benefits
The Zing ESRD Select IN (HMO C-SNP) plan offers a range of benefits with varying costs. Inpatient hospital stays have a $350 copay for the first six days, while outpatient services have a copay ranging from $0-$250. Emergency, primary care, vision, and dental services, as well as many preventive services, have no copay or low copays. This plan also includes coverage for ambulance services, with a $200 copay for ground transport and 20% coinsurance for air transport. Hearing aids are covered up to $750 every three years, and dental services are covered up to an annual maximum of $2,500. The plan also covers home health and dialysis services with no copay.
Inpatient Hospital See details
Inpatient Hospital services, including acute and psychiatric care, are covered by the plan. For Inpatient Hospital-Acute, you will pay a $350 copay for days 1-6, and no copay for days 7-90. For Inpatient Hospital Psychiatric, you will pay a $350 copay for days 1-6, and no copay for days 7-90. Additional Days for Inpatient Hospital-Acute are covered, but Non-Medicare-covered Stay and Upgrades for Inpatient Hospital-Acute are not covered. Additional Days and Non-Medicare-covered Stay for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services with a $250 copay, observation services with a $150 copay, ambulatory surgical center services with a $150 copay, outpatient substance abuse services with no copay for both individual and group sessions, and outpatient blood services with no copay. Outpatient blood services include an enhanced benefit with a three-pint deductible waived.
Partial Hospitalization See details
Partial Hospitalization is covered under the Zing ESRD Select IN (HMO C-SNP) plan, but requires prior authorization. You will have a $70 copay for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the Zing ESRD Select IN (HMO C-SNP) 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 have no copay.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered under the Zing ESRD Select IN (HMO C-SNP) plan. Emergency Services have a $125 copay, and Urgently Needed Services have a copay between $0 and $25. Worldwide Emergency Coverage and Worldwide Urgent Coverage have no copay, while Worldwide Emergency Transportation is not covered.
Primary Care See details
The Zing ESRD Select IN (HMO C-SNP) plan covers primary care physician services with no copay, chiropractic services with a $20 copay, occupational therapy services with a $25 copay, physician specialist services with a copay between $0 and $25, mental health specialty services with no copay for individual and group sessions, podiatry services with no copay, other health care professional services with no copay, psychiatric services with no copay for individual and group sessions, physical therapy and speech-language pathology services with a $25 copay, additional telehealth benefits with a copay between $0 and $30, and opioid treatment program services with a $25 copay. 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 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, and Enhanced Disease Management, and Telemonitoring Services are not covered. The plan also covers Personal Emergency Response System (PERS), Medical Nutrition Therapy (MNT), Weight Management Programs, In-Home Support Services, Fitness Benefit, Remote Access Technologies (including Web/Phone-based technologies and Nursing Hotline), Home and Bathroom Safety Devices and Modifications, and Nutritional/Dietary Benefit with no copay. Kidney Disease Education Services, and Other Preventive Services are also covered, including Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit, with no copay.
Hearing Services See details
Hearing exams are covered with a $25 copay. Routine hearing exams and fitting/evaluation for hearing aids are covered, with no copay. Prescription hearing aids are covered, with a maximum plan benefit of $750 every three years, and no copay. OTC hearing aids, as well as prescription hearing aids for the inner, outer, or over the ear, are not covered.
Vision Services See details
Vision services include eye exams and eyewear. Eye exams have a copay of $0-$25, while routine eye exams have no copay. Eyewear, including contact lenses, eyeglasses, eyeglass lenses, and eyeglass frames, have no copay, but upgrades are not covered, and there is a combined maximum plan benefit of $350 every year.
Dental Services See details
Dental Services are covered, with a $2,500 annual maximum. Medicare Dental Services require prior authorization and have no copay. Other Dental Services have no copay. Oral exams are covered with no copay, but are limited to 1 visit every six months. Dental X-Rays are covered with no copay, but are limited to 1 per year. Prophylaxis (cleaning) is covered with no copay, but is limited to 1 visit every six months. Fluoride Treatment is covered with no copay, but is limited to 1 per year. Restorative Services, Adjunctive General Services, Endodontics, Periodontics, Prosthodontics (removable and fixed), and Oral and Maxillofacial Surgery are covered with no copay. Maxillofacial Prosthetics, Implant Services, and Orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered under the Zing ESRD Select IN (HMO C-SNP) plan. The plan covers Medicare Part B Insulin Drugs with a $35 copay and 0-20% coinsurance, while Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have a 0-20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the Zing ESRD Select IN (HMO C-SNP) plan with no coinsurance.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME) with 20% coinsurance and authorization required, Prosthetics/Medical Supplies with 20% coinsurance, and Diabetic Equipment. Diabetic Supplies have no coinsurance, while Diabetic Therapeutic Shoes/Inserts have no copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by the Zing ESRD Select IN (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 IN (HMO C-SNP) 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 ESRD Select IN (HMO C-SNP) plan. Prior authorization is required for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered with prior authorization, with no copay for days 1-20 and a $214 copay for days 21-100. Additional days beyond Medicare-covered SNF and non-Medicare-covered SNF stays are not covered.
Other Services See details
Other Services include Over-the-Counter (OTC) Items and Meal Benefits. Over-the-Counter (OTC) Items have no copay and cover up to $175.00 per month, and Meal Benefits have no copay. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, and other services are not covered.
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