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Zing Elite Diabetes & Heart IL (HMO C-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Zing Elite Diabetes & Heart IL (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 Elite Diabetes & Heart IL (HMO C-SNP) in 2026, please refer to our full plan details page.
Zing Elite Diabetes & Heart IL (HMO C-SNP) is a HMO C-SNP plan offered by Zing Health Consolidator, Inc available for enrollment in 2025 to people living in Northeast and Northern Illinois. This plan received an overall rating of 2.5 out of 5 stars in 2026.
It's important to know that Zing Elite Diabetes & Heart IL (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 Elite Diabetes & Heart IL (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 Elite Diabetes & Heart IL (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 Elite Diabetes & Heart IL (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 $3200.00 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 Diabetes & Heart IL (HMO C-SNP) plan features a $0 drug deductible, meaning your prescription coverage begins immediately. Under this plan, you will pay no copay for Tier 1 preferred generic drugs and Tier 6 select care drugs at standard pharmacies or through standard mail order. Additionally, Tier 2 generic drugs are available with no copay when ordered through standard mail order, or for a low copay starting at $5 for a one-month supply at standard pharmacies. For Tier 3 preferred brand drugs, the plan requires a $47 copay for a one-month supply at standard pharmacies and standard mail order, with savings available on three-month mail orders. Higher-tier medications, such as Tier 4 non-preferred drugs and Tier 5 specialty drugs, carry a 25% and 33% coinsurance respectively. These straightforward cost-sharing tiers make it easy to estimate your out-of-pocket prescription expenses with this plan.
Additional Benefits
The Zing Elite Diabetes & Heart IL (HMO C-SNP) plan offers comprehensive medical coverage featuring no copay for primary care, mental health services, and preventive care. Specialist visits and urgent care are highly affordable with copays ranging from $0 to $10, while emergency room visits carry a $140 copay. For hospital stays, inpatient care requires a $275 daily copay for the first six days and no copay thereafter, with no coinsurance required for inpatient or outpatient hospital services. This plan also includes valuable extra benefits to support your daily health, including up to 30 free one-way trips to plan-approved locations and up to $2,500 in dental coverage with no copay. Routine vision and hearing exams are available with no copay, alongside allowances of up to $350 for eyewear and $750 per ear for hearing aids. Additionally, home health services are fully covered with no copay, while standard medical equipment and dialysis require a 20% coinsurance.
Inpatient Hospital See details
Zing Elite Diabetes & Heart IL (HMO C-SNP) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $275 daily copay for days 1 to 6 and no copay for days 7 to 90. Additional days for acute stays are unlimited with no copay, but upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Zing Elite Diabetes & Heart IL (HMO C-SNP) covers outpatient services with no coinsurance, including outpatient hospital visits for a $95 copay and observation stays for a $90 copay. Ambulatory surgical center services require a $50 copay with no coinsurance, while outpatient substance abuse treatment and blood services are covered with no copays and no coinsurance.
Partial Hospitalization See details
Zing Elite Diabetes & Heart IL (HMO C-SNP) covers partial hospitalization services with a $70 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered under the Zing Elite Diabetes & Heart IL (HMO C-SNP) plan, featuring a $200 copay for ground ambulance services and a 20% coinsurance for air ambulance services. Transportation is partially covered with no copay or coinsurance for up to 30 one-way trips per year to plan-approved locations, while transportation to any health-related location is not covered.
Emergency Services See details
Emergency services under the Zing Elite Diabetes & Heart IL (HMO C-SNP) are covered with a $140 copay (waived if admitted within 24 hours) and no coinsurance, while urgently needed services feature a $0 to $10 copay and no coinsurance. Worldwide emergency and urgent care are partially covered up to a $100,000 maximum with no copays and no coinsurance, though worldwide emergency transportation is not covered.
Primary Care See details
Zing Elite Diabetes & Heart IL (HMO C-SNP) covers primary care, psychiatric, and mental health specialty services with no copay and no coinsurance, while specialist visits cost a $0 to $10 copay and no coinsurance. Physical, occupational, speech, and opioid treatment therapies require a $20 copay and no coinsurance, though routine chiropractic care is not covered.
Preventive Services See details
Zing Elite Diabetes & Heart IL (HMO C-SNP) partially covers preventive services with no copays and no coinsurance for covered benefits like annual physicals, glaucoma screenings, diabetes self-management training, and select fitness, nutritional, and PERS benefits. However, several sub-services are not covered, including health education, in-home safety assessments, medical nutrition therapy, weight management programs, alternative therapies, and therapeutic massage.
Hearing Services See details
Zing Elite Diabetes & Heart IL (HMO C-SNP) covers hearing services with a $20 copay and no coinsurance for Medicare-covered exams, and no copay or coinsurance for routine exams and fitting evaluations. Prescription hearing aids are partially covered with no copay or coinsurance up to $750 per ear every three years, while OTC hearing aids and inner-ear, outer-ear, or over-the-ear prescription models are not covered.
Vision Services See details
Vision services are partially covered by Zing Elite Diabetes & Heart IL (HMO C-SNP), offering eye exams with no coinsurance and a copay ranging from no copay to $20, alongside annual eyewear coverage with no copay and no coinsurance up to a $350 limit. While routine exams and basic eyewear are covered, other eye exam services and eyewear upgrades are not covered.
Dental Services See details
Zing Elite Diabetes & Heart IL (HMO C-SNP) offers partially covered dental services with no copay and no coinsurance, up to a $2,500 annual maximum. Covered benefits include preventive exams, cleanings, and various comprehensive services, while other diagnostic, other preventive, maxillofacial prosthetics, implants, and orthodontics are not covered.
Home Infusion bundled Services See details
Zing Elite Diabetes & Heart IL (HMO C-SNP) covers Home Infusion bundled Services with no copay, though prior authorization is required. Covered Medicare Part B chemotherapy, radiation, and other drugs carry a 0% to 20% coinsurance, while Medicare Part B insulin requires a $35 copay and a 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by Zing Elite Diabetes & Heart IL (HMO C-SNP) with no copay and a 20% coinsurance.
Medical Equipment See details
Medical Equipment covered by Zing Elite Diabetes & Heart IL (HMO C-SNP) features no copays for all items, though prior authorization is required. Durable medical equipment, prosthetics, and medical supplies carry a 20% coinsurance, while diabetic therapeutic shoes and inserts have no coinsurance, and other diabetic supplies range from no coinsurance to 20% coinsurance.
Diagnostic and Radiological Services See details
Zing Elite Diabetes & Heart IL (HMO C-SNP) covers diagnostic and radiological services with prior authorization, offering no copay and no coinsurance for diagnostic tests and lab services. Outpatient X-rays feature no copay but require coinsurance, while diagnostic radiological services require a minimum $50 copay and therapeutic radiological services carry a minimum 20% coinsurance.
Home Health Services See details
Home health services are covered by Zing Elite Diabetes & Heart IL (HMO C-SNP) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by Zing Elite Diabetes & Heart IL (HMO C-SNP) with no copay, no coinsurance, and prior authorization required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Zing Elite Diabetes & Heart IL (HMO C-SNP) 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 and a $214 daily copay for days 21 through 100, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Zing Elite Diabetes & Heart IL (HMO C-SNP) partially covers Other Services, offering a meal benefit for chronic illnesses or homebound medical conditions with no copay and no coinsurance. Acupuncture and over-the-counter (OTC) items are not covered under this benefit.
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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.
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