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Zing Elite Select IN (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Zing Elite Select IN (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 IN (HMO) in 2025, please refer to our full plan details page.
Zing Elite Select IN (HMO) is a HMO plan offered by Zing Health Consolidator, Inc available for enrollment in 2025 to people living in Select Counties 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 Elite Select IN (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 IN (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 IN (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 $3900.00 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 IN (HMO) plan has an enhanced alternative drug benefit. There is no deductible for prescription drugs. In the initial coverage phase, you will pay varying copays or coinsurance amounts depending on the drug tier and pharmacy. For example, preferred generic drugs have no copay at standard mail pharmacies, and standard generic drugs have a $47 copay at both standard and standard mail pharmacies. After your total drug costs reach $2000, you enter the catastrophic coverage phase where you pay nothing for covered drugs.
Additional Benefits
The Zing Elite Select IN (HMO) plan offers a range of benefits with varying costs. Hospital stays have a copay for the first few days, but no copay for longer stays. Outpatient, emergency, and primary care services have different copays, while some services like preventive care, vision, and dental have no copay. The plan also covers services like hearing exams, home health, and skilled nursing facilities, with specific copays or coinsurance amounts. Additionally, it includes coverage for ambulance, medical equipment, and diagnostic services, with different cost-sharing structures.
Inpatient Hospital See details
Inpatient Hospital benefits, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, are covered under the Zing Elite Select IN (HMO) plan. For days 1-6, there is a $325 copay, and for days 7-90, there is no copay. Additional days for Inpatient Hospital-Acute are covered with no copay, while Non-Medicare-covered Stay and Upgrades for Inpatient Hospital-Acute, and Additional Days and Non-Medicare-covered Stay for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services includes coverage for Outpatient Hospital Services with a $175 copay, Observation Services with a $75 copay, Ambulatory Surgical Center (ASC) Services with a $120 copay, and Outpatient Blood Services with no copay. Outpatient Substance Abuse Services include coverage for both Individual and Group sessions with no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the Zing Elite Select IN (HMO) plan, with a $70 copay. Prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the Zing Elite Select IN (HMO) plan, including ground and air ambulance services, as well as transportation services to a plan-approved health-related location. Ground ambulance services have a $200 copay, while air ambulance services have a 20% coinsurance. Transportation services have no copay. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the Zing Elite Select IN (HMO) plan. Emergency Services have a $125 copay, and no coinsurance. Urgently Needed Services have a copay between $0 and $5, and no coinsurance. Worldwide Emergency Coverage and Worldwide Urgent Coverage have no copay and no coinsurance, and Worldwide Emergency Transportation is not covered. Worldwide Emergency Services has a maximum plan benefit coverage of $100,000.
Primary Care See details
The Zing Elite Select IN (HMO) plan covers primary care physician services with no copay, chiropractic services with a $15 copay, occupational therapy services with a $30 copay, physician specialist services with a $10 copay, mental health specialty services with no copay for individual or group sessions, podiatry services with a $25 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 $30 copay, additional telehealth benefits with a copay between $0 and $25, and opioid treatment program services with a $25 copay. Routine chiropractic care is not covered.
Preventive Services See details
Preventive Services include coverage for annual physical exams with no copay, and additional services with no copay for glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKG following a welcome visit. Some preventive services, such as health education, in-home safety assessments, and counseling services, are not covered.
Hearing Services See details
The Zing Elite Select IN (HMO) plan covers hearing exams with a $25 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 are covered with a maximum benefit of $750 per ear every three years, and prescription hearing aids (all types) are covered with no copay for 2 visits every three years; however, prescription hearing aids for the inner and outer ear, and OTC hearing aids are not covered.
Vision Services See details
The Zing Elite Select IN (HMO) plan covers vision services, including eye exams with a $25 copay. Routine eye exams, contact lenses, eyeglasses (lenses and frames), and eyeglass lenses and frames have no copay, and eyewear has a combined maximum plan benefit of $300 every year. Upgrades are not covered.
Dental Services See details
The Zing Elite Select IN (HMO) plan covers dental services, with a $2,000 maximum benefit per year. Medicare Dental Services have no copay and require prior authorization, and other dental services also have no copay. Oral exams, dental x-rays, prophylaxis (cleaning), and fluoride treatments are covered, with Oral Exams and Prophylaxis (Cleaning) limited to 1 visit every six months, Dental X-Rays limited to 1 per year, and Fluoride Treatment 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, with prior authorization required. For Medicare Part B Insulin Drugs, there is a $35 copay and a coinsurance between 0% and 20%. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, there is a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered by the Zing Elite Select IN (HMO) plan. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment, including Durable Medical Equipment (DME), Prosthetics, Medical Supplies, and Diabetic Equipment, is covered. DME has a 20% coinsurance, and Durable Medical Equipment for use outside the home is not covered. Medical Supplies and Diabetic Supplies have a 20% coinsurance, while Diabetic Therapeutic Shoes/Inserts and Prosthetic Devices have a coinsurance between 20% and 20%.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services includes coverage for all diagnostic services, diagnostic procedures/tests with a copay between $0 and $25, and lab services with no copay. Diagnostic radiological services have a copay between $50 and $150, while 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 Elite Select IN (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 covered, but none of the sub-services are covered. Prior authorization is required for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Zing Elite Select IN (HMO) plan, but require prior authorization. For days 1-20, there is no copay, and for days 21-100, the copay is $214. Additional days beyond Medicare-covered for SNF and non-Medicare-covered SNF stays are not covered.
Other Services See details
Other Services includes coverage for Over-the-Counter (OTC) Items and Meal Benefit, with no copay for either. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, and several other services are not covered.
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