A non-government entity
Zing Elite Select IL-IN (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Zing Elite Select IL-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 IL-IN (HMO) in 2026, please refer to our full plan details page.
Zing Elite Select IL-IN (HMO) is a HMO plan offered by Zing Health Consolidator, Inc available for enrollment in 2025 to people living in Select Counties in Illinois and Indiana. This plan received an overall rating of 2.5 out of 5 stars in 2026.
It's important to know that Zing Elite Select IL-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 IL-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 IL-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 $3000.00 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:
Sign up for Zing Elite Select IL-IN (HMO)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The Zing Elite Select IL-IN (HMO) plan features a $0 prescription drug deductible, meaning your coverage begins immediately. You will pay no copay for Tier 1 preferred generic and Tier 2 generic drugs for one-, two-, or three-month supplies at standard pharmacies and standard mail order. This makes the plan highly cost-effective for members who primarily take generic medications. For Tier 3 preferred brand drugs, standard pharmacy copays are $47 for a one-month supply and $141 for a three-month supply, though standard mail order reduces the three-month cost to $94. Tier 4 non-preferred drugs require a 25% coinsurance, and Tier 5 specialty drugs require a 33% coinsurance for a one-month supply.
Additional Benefits
The Zing Elite Select IL-IN (HMO) plan offers affordable healthcare coverage with no copay for primary care visits, preventive services, and home health care, alongside a low $10 copay for specialists. Inpatient hospital stays require a $265 daily copay for days one through six with no coinsurance, while emergency room visits feature a $140 copay. The plan also supports your mobility by offering up to 24 one-way trips per year to plan-approved locations with no copay. For supplemental wellness, members receive comprehensive dental benefits with no copay up to a $2,500 yearly maximum, and routine vision care with no copay up to a $300 annual limit. Hearing health is covered with no copay for routine exams and a $750 allowance per ear every three years for prescription hearing aids. Additionally, the plan provides an over-the-counter benefit of up to $198 every three months with no copay to help cover everyday health and wellness items.
Inpatient Hospital See details
Inpatient hospital services under the Zing Elite Select IL-IN (HMO) plan are covered with no coinsurance, requiring a $265 daily copay for days 1 to 6 and no copay for days 7 to 90 for acute and psychiatric stays. While unlimited additional acute hospital days are covered with no copay, upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Zing Elite Select IL-IN (HMO) covers outpatient services with no coinsurance, featuring a $175 copay for outpatient hospital services, a $90 copay per stay for observation services, and a $100 copay for ambulatory surgical center services. Outpatient substance abuse and blood services are covered with no copay and no coinsurance.
Partial Hospitalization See details
Zing Elite Select IL-IN (HMO) covers partial hospitalization services with a $70 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
Zing Elite Select IL-IN (HMO) covers ambulance services with a $175 copay (no coinsurance) for ground transportation and a 20% coinsurance (no copay) for air transportation, both requiring prior authorization. Transportation services are partially covered, offering up to 24 one-way trips per year to plan-approved locations with no copay or coinsurance, while trips to any health-related location are not covered.
Emergency Services See details
Zing Elite Select IL-IN (HMO) covers emergency services with a $140 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours, and urgently needed services with a $0 to $10 copay and no coinsurance. Worldwide emergency and urgent care are partially covered with no copay or coinsurance up to a $100,000 maximum benefit, though worldwide emergency transportation is not covered.
Primary Care See details
Zing Elite Select IL-IN (HMO) offers primary care physician services with no copay and specialist visits for a $10 copay, both with no coinsurance. Physical, occupational, and speech therapies, along with podiatry services, require a $15 copay and no coinsurance, while mental health and psychiatric services have no copay or coinsurance. Telehealth services range from a $0 to $30 copay with no coinsurance, but routine chiropractic care is not covered under this plan.
Preventive Services See details
Preventive Services are covered by Zing Elite Select IL-IN (HMO) with no copay and no coinsurance for annual physical exams, kidney disease education, and diabetes self-management. While select supplemental benefits like fitness, remote access technologies, home safety devices, and in-home support are covered with no copay and no coinsurance, several other services—including health education, nutritional therapy, and personal emergency response systems—are not covered.
Hearing Services See details
Zing Elite Select IL-IN (HMO) covers hearing services with no coinsurance, offering Medicare-covered exams for a $15 copay, and routine exams and fitting evaluations with no copay. Prescription hearing aids are partially covered with no copay up to $750 per ear every three years, though OTC, inner ear, outer ear, and over the ear hearing aids are not covered.
Vision Services See details
Zing Elite Select IL-IN (HMO) provides partially covered vision services, offering annual routine eye exams and eyewear with no copay, no coinsurance, and no deductible up to a $300 yearly maximum. Other eye exams require a $20 copay and no coinsurance, while upgrades and other exam services are not covered.
Dental Services See details
Dental services are partially covered by Zing Elite Select IL-IN (HMO) with no copay and no coinsurance up to a $2,500 annual maximum, though prior authorization is required for Medicare and comprehensive services. While preventive care like cleanings and exams are included, orthodontics, implants, maxillofacial prosthetics, other diagnostic services, and other preventive dental services are not covered.
Home Infusion bundled Services See details
Zing Elite Select IL-IN (HMO) covers home infusion bundled services with no copay and no coinsurance, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs carry no copay and 0% to 20% coinsurance, while Medicare Part B insulin is covered with a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Zing Elite Select IL-IN (HMO) covers dialysis services with no copay and a 20% coinsurance.
Medical Equipment See details
Medical Equipment is covered by Zing Elite Select IL-IN (HMO) with no copays, although prior authorization is required for most items. Durable medical equipment, prosthetics, medical supplies, and diabetic shoes or inserts carry a 20% coinsurance, while diabetic supplies range from no coinsurance up to a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered under the Zing Elite Select IL-IN (HMO) plan, with prior authorization required. Diagnostic procedures and lab services feature no coinsurance, with copays ranging from $0 to $25 (including no copay for lab services), while radiological services range from no copay for X-rays to a minimum $50 copay for diagnostic radiology and a minimum 20% coinsurance for therapeutic radiology.
Home Health Services See details
Home Health Services are covered by Zing Elite Select IL-IN (HMO) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services under the Zing Elite Select IL-IN (HMO) plan require prior authorization with no copay and no coinsurance. While some services are covered, specific sub-services including standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation are not covered.
Skilled Nursing Facility (SNF) See details
Zing Elite Select IL-IN (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20, followed by a $214 daily copay for days 21 through 100, though additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Zing Elite Select IL-IN (HMO) partially covers other services, offering no copay and no coinsurance for chronic illness meal benefits and over-the-counter items up to $198 every three months, though acupuncture is not covered.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved