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Zing Elite Select IL (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Zing Elite Select IL (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 (HMO) in 2025, please refer to our full plan details page.
Zing Elite Select IL (HMO) is a HMO plan offered by Zing Health Consolidator, Inc available for enrollment in 2025 to people living in Select Counties in Greater Chicago and Northern IL. This plan received an overall rating of 3.5 out of 5 stars in 2025.
It's important to know that Zing Elite Select IL (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 (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 (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 $3190.00 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 IL (HMO) plan has a $0 deductible for prescription drugs. During the initial coverage phase, you will pay varying costs depending on the drug tier and the pharmacy you use. For instance, you will pay no copay for preferred generic drugs at standard and mail order pharmacies. For standard generic drugs, you will pay a $47 copay at both standard and mail order pharmacies. For preferred brand and non-preferred drugs, you will pay 33% coinsurance at both standard and mail order pharmacies. After your yearly out-of-pocket drug costs reach $2000, you will enter the catastrophic coverage phase and pay nothing for covered drugs.
Additional Benefits
The Zing Elite Select IL (HMO) plan offers a range of benefits, including coverage for inpatient and outpatient hospital services, with varying copays depending on the service. This plan provides coverage for primary care with no copay, along with hearing, vision, and dental services, and home health services with no copays. The plan also offers additional services like ambulance, emergency, and transportation services, as well as coverage for medical equipment, and diagnostic and radiological services, with varying cost-sharing. This plan includes coverage for a $265 copay for inpatient hospital stays for the first six days, and then no copay for the remaining days, along with partial hospitalization and skilled nursing facility coverage. Preventative services are covered, with no copay for an annual physical exam. The plan also offers an OTC benefit, and a meal benefit for chronic illnesses.
Inpatient Hospital See details
Inpatient Hospital benefits include coverage for acute and psychiatric care. For Inpatient Hospital-Acute, you'll pay a $265 copay for days 1-6, and no copay for days 7-90; additional days are covered with no copay. Inpatient Hospital Psychiatric has a $265 copay for days 1-6, and no copay for days 7-90; however, additional days are not covered.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services, with a $175 copay, observation services with a $90 copay, ambulatory surgical center services with a $100 copay, and outpatient substance abuse services with no copay for individual and group sessions. Outpatient blood services are also covered with no copay.
Partial Hospitalization See details
Partial Hospitalization is covered under the Zing Elite Select IL (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 IL (HMO) plan. Ground ambulance services have a $175 copay, while air ambulance services have a 20% coinsurance; transportation services to a plan-approved health-related location are covered with no copay, up to 24 one-way trips per year, while 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 IL (HMO) plan. Emergency Services have a $140 copay, while Urgently Needed Services have a copay between $0 and $10. Worldwide Emergency Coverage and Worldwide Urgent Coverage have no copay, but Worldwide Emergency Transportation is not covered.
Primary Care See details
The Zing Elite Select IL (HMO) plan covers primary care services with no copay, and chiropractic services with a $20 copay. Occupational therapy services have a $15 copay, while physician specialist services have a $10 copay. Mental health specialty services, including individual and group sessions, have no copay. The plan also covers podiatry services and routine foot care with a $15 copay. Physical therapy and speech-language pathology services have a $15 copay, and additional telehealth benefits have a copay between $0 and $15. Opioid treatment program services also have a $15 copay.
Preventive Services See details
The Zing Elite Select IL (HMO) plan covers preventive services, including an annual physical exam with no copay. Other preventive services such as Health Education, In-Home Safety Assessment, Personal Emergency Response System (PERS), Medical Nutrition Therapy (MNT), Post discharge In-Home Medication Reconciliation, Re-admission Prevention, Wigs for Hair Loss Related to Chemotherapy, Alternative Therapies, Therapeutic Massage, Adult Day Health Services, Counseling Services, and Enhanced Disease Management are not covered. The plan also covers Weight Management Programs, Nutritional/Dietary Benefit (4 visits), In-Home Support Services, Remote Access Technologies, Home and Bathroom Safety Devices and Modifications, 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 Select IL (HMO) plan covers hearing exams with a $15 copay, routine hearing exams with no copay, and fitting/evaluation for hearing aids with no copay. Prescription hearing aids are covered, but inner ear, outer ear, and over-the-ear hearing aids are not covered, and OTC hearing aids are not covered.
Vision Services See details
The Zing Elite Select IL (HMO) plan covers vision services including eye exams with a $20 copay, eyewear with no copay, and contact lenses with no copay; however, upgrades are not covered. The plan covers one routine eye exam per year with no copay, and covers eyeglasses (lenses and frames) with no copay. The plan also covers one pair of contact lenses, one pair of eyeglass lenses, and one set of eyeglass frames per year with no copay.
Dental Services See details
Dental Services are covered under the Zing Elite Select IL (HMO) plan, with a $2,500 maximum plan benefit per year. Medicare Dental Services and Other Dental Services have no copay. Oral Exams, Dental X-Rays, Prophylaxis (Cleaning), Fluoride Treatment, Restorative Services, Adjunctive General Services, Endodontics, Periodontics, Prosthodontics (removable and fixed), and Oral and Maxillofacial Surgery are covered with no copay, while Maxillofacial Prosthetics, Implant Services, and Orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, including Medicare Part B Insulin Drugs, Medicare Part B Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs. For Medicare Part B Insulin Drugs, there is a $35 copay, and coinsurance can range from 0% to 20%.
Dialysis Services See details
Dialysis Services are covered under the Zing Elite Select IL (HMO) plan. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment is covered by the Zing Elite Select IL (HMO) plan, with Durable Medical Equipment (DME) requiring a 20% coinsurance, and Prosthetic Devices and Medical Supplies requiring a 20% coinsurance. Diabetic Supplies have a coinsurance between 0% and 20%, while Diabetic Therapeutic Shoes/Inserts require a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for all diagnostic services and radiological services. Diagnostic Procedures/Tests have a copay between $0 and $25, and Lab Services have no copay. Diagnostic Radiological Services have a copay between $50 and $150, and Therapeutic Radiological Services have a coinsurance of at least 20%. Outpatient X-Ray Services have no copay.
Home Health Services See details
Home Health Services are covered with no copay and no coinsurance, but additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by the Zing Elite Select IL (HMO) plan, but the specific services of Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and SET for PAD are not covered. Prior authorization is required for these services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are covered under the Zing Elite Select IL (HMO) plan. There is no copay for days 1-20, and a $214 copay for days 21-100.
Other Services See details
The Zing Elite Select IL (HMO) plan's other services cover over-the-counter (OTC) items, with a maximum benefit of $198.00 every three months, including nicotine replacement therapy and Naloxone coverage, and also offers a meal benefit for chronic illnesses. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.
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