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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 2025, 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 3.5 out of 5 stars in 2025.
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 has a $0 deductible for prescription drugs. During the initial coverage phase, you'll pay varying copays or coinsurance amounts depending on the drug tier and pharmacy you use. For example, standard generic drugs have a $5 copay at a standard pharmacy, and preferred mail order generic drugs have no copay. Once your total drug costs reach $2000, you enter the catastrophic coverage phase, where you pay nothing for Part D covered drugs. However, you may still pay a share of the costs for excluded drugs covered under any enhanced benefit. If you qualify for the low-income subsidy, you may have reduced premiums.
Additional Benefits
The Zing Elite Diabetes & Heart IL (HMO C-SNP) plan offers comprehensive coverage, including inpatient and outpatient hospital services, with varying copays. Emergency, urgent, and worldwide emergency services have no coinsurance, but emergency services have a copay. The plan also covers a wide range of services, such as primary care, hearing, vision, and dental, often with no or low copays. Additional benefits include transportation, home health, and skilled nursing facility care with no copay or low copays. The plan also provides coverage for home infusion, dialysis, medical equipment, and diagnostic services with varying cost-sharing. The plan also includes over-the-counter items and a meal benefit with no copay.
Inpatient Hospital See details
Inpatient Hospital benefits, including Acute and Psychiatric, are covered. For Inpatient Hospital-Acute, you will pay a $275 copay for days 1-6, and no copay for days 7-90; for Inpatient Hospital Psychiatric, you will also pay a $275 copay for days 1-6, and no copay for days 7-90. Additional days for Inpatient Hospital-Acute are covered, while Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute are not covered, and Additional days and Non-Medicare-covered stays for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services with a $225 copay, observation services with a $90 copay, ambulatory surgical center (ASC) services with a $125 copay, outpatient substance abuse services with no copay for individual and group sessions, and outpatient blood services with no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the Zing Elite Diabetes & Heart IL (HMO C-SNP) plan, and requires prior authorization. You will have a copay of $70 for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered. Ground ambulance services have a $200 copay, and air ambulance services have a 20% coinsurance. Transportation Services to a plan-approved health-related location are covered with no copay, with up to 30 one-way trips per year. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Coverage have no coinsurance. Emergency Services have a $140 copay, Urgently Needed Services have a $0-$10 copay, and Worldwide Emergency Coverage has no copay. Worldwide Emergency Transportation is not covered.
Primary Care See details
The Zing Elite Diabetes & Heart IL (HMO C-SNP) plan covers primary care physician services with no copay, chiropractic services with a $20 copay, occupational therapy services with a $20 copay, and specialist services with a copay between $0 and $10. Mental health and psychiatric services, including individual and group sessions, are covered with no copay, and podiatry services and other health care professionals are covered with a copay between $0 and $10. Physical therapy and speech-language pathology services have a $20 copay, additional telehealth benefits have a copay between $0 and $20, and opioid treatment program services have a $20 copay.
Preventive Services See details
Preventive Services include annual physical exams with no copay, while additional services like nutritional/dietary benefits, fitness benefit, and remote access technologies may have a copay. The plan also covers Personal Emergency Response Systems (PERS), Medical Nutrition Therapy, Weight Management Programs, Kidney Disease Education Services, Glaucoma Screenings, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit with no copay.
Hearing Services See details
The Zing Elite Diabetes & Heart IL (HMO C-SNP) plan covers hearing exams with a $20 copay, routine hearing exams (1 per year) with no copay, and fitting/evaluation for hearing aids (1 every three years) with no copay. 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. However, prescription hearing aids for the inner ear, outer ear, and over the ear are not covered, and OTC hearing aids are not covered.
Vision Services See details
The Zing Elite Diabetes & Heart IL (HMO C-SNP) plan covers vision services, including eye exams with a copay of $0-$20, and eyewear with a $0 copay, subject to a combined maximum of $350 every year. Contact lenses, eyeglasses (lenses and frames), eyeglass lenses, and eyeglass frames are covered, but upgrades are not.
Dental Services See details
Dental services include coverage for Medicare Dental Services and Other Dental Services with no copay. Other services include oral exams (1 visit every six months), dental x-rays (1 per year), prophylaxis (cleaning) (1 visit every six months), fluoride treatment (1 per year), restorative services, adjunctive general services, endodontics, periodontics, prosthodontics (removable and fixed), and oral and maxillofacial surgery 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 Elite Diabetes & Heart IL (HMO C-SNP) plan. You will pay a $35 copay for Medicare Part B Insulin Drugs, and the coinsurance for all other services ranges from 0% to 20%.
Dialysis Services See details
Dialysis Services are covered by the Zing Elite Diabetes & Heart IL (HMO C-SNP) plan, with a coinsurance between 20% and 20%.
Medical Equipment See details
The Zing Elite Diabetes & Heart IL (HMO C-SNP) plan covers medical equipment, including durable medical equipment, prosthetics, medical supplies, and diabetic equipment. Durable Medical Equipment has a 20% coinsurance and requires prior authorization, while Durable Medical Equipment for use outside the home is not covered. Prosthetics and Medical Supplies have a 20% coinsurance, and Diabetic Therapeutic Shoes/Inserts have no copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services includes coverage for all diagnostic services, with a copay of $0-$25 for diagnostic procedures/tests and no copay for lab services. Radiological Services includes coverage for diagnostic radiological services with a copay of $50-$150, therapeutic radiological services with 20% coinsurance, and outpatient X-ray services with no copay.
Home Health Services See details
Home Health Services are covered by the Zing Elite Diabetes & Heart IL (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 covered, but the plan does not cover Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, or SET for PAD Services. Prior authorization is required for covered services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Zing Elite Diabetes & Heart IL (HMO C-SNP) plan. There is no copay for days 1-20, and a $214 copay for days 21-100.
Other Services See details
The Zing Elite Diabetes & Heart IL (HMO C-SNP) plan covers over-the-counter items with no copay, and a maximum benefit coverage amount of $181.00 per month, as well as a meal benefit with no copay. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, and several other services are not covered.
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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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