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Zing Elite Diabetes & Heart IN (HMO C-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Zing Elite Diabetes & Heart IN (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 IN (HMO C-SNP) in 2025, please refer to our full plan details page.
Zing Elite Diabetes & Heart IN (HMO C-SNP) is a HMO C-SNP 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 Diabetes & Heart IN (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 IN (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 IN (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 IN (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 $4500.00 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 IN (HMO C-SNP) plan has a $0 deductible for prescription drugs. During the initial coverage phase, you'll pay varying copays or coinsurance depending on the drug tier and pharmacy. For example, you'll pay a $8 copay for preferred generic drugs at a standard pharmacy, and 33% coinsurance for preferred brand drugs at a standard pharmacy. Once your total drug costs reach $2,000, you enter the catastrophic coverage phase, where you pay nothing for covered Part D drugs. However, you may still pay a share of the costs for excluded drugs covered under any enhanced benefit.
Additional Benefits
The Zing Elite Diabetes & Heart IN (HMO C-SNP) plan offers comprehensive coverage with a focus on outpatient and preventive care. Inpatient hospital stays have a copay, but many services have no copay, including preventive services like annual physical exams, routine eye exams, and home health services. This plan provides coverage for a wide range of services, including hearing, vision, and dental. Hearing aids are covered up to a plan-specified amount, and eyewear is covered with no copay up to a combined maximum. Dental services, including oral exams and cleanings, are also covered with no copay, but there is a maximum annual benefit.
Inpatient Hospital See details
Inpatient Hospital benefits, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, are covered. For the first 6 days of an Inpatient Hospital stay, there is a $350 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 include coverage for all outpatient hospital services with a $225 copay, observation services with a $135 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. Outpatient blood services include an enhanced benefit with a waived three (3) pint deductible.
Partial Hospitalization See details
Partial Hospitalization is covered by the Zing Elite Diabetes & Heart IN (HMO C-SNP) plan, with a $70 copay. Prior authorization is required.
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 have no copay and are limited to 30 one-way trips per year, while transportation services to any health-related location are not covered.
Emergency Services See details
Emergency services are covered with a $125 copay and no coinsurance, while urgently needed services have a copay between $0 and $10 and no coinsurance. Worldwide emergency coverage and urgent coverage have no copay and no coinsurance, while worldwide emergency transportation is not covered.
Primary Care See details
Primary Care Physician Services, Physician Specialist Services, Mental Health Specialty Services, Other Health Care Professional, Psychiatric Services, and Additional Telehealth Benefits are covered by the plan, with copays ranging from $0 to $30. Chiropractic Services, Occupational Therapy Services, Physical Therapy and Speech-Language Pathology Services have a $20 copay. Podiatry Services have a copay of $0-$15, depending on the service. Opioid Treatment Program Services have a $30 copay. Routine Chiropractic Care is not covered.
Preventive Services See details
Preventive services include an annual physical exam with no copay, as well as additional preventive services, kidney disease education services, and other preventive services. Health education, in-home safety assessment, post discharge in-home medication reconciliation, re-admission prevention, wigs for hair loss related to chemotherapy, alternative therapies, therapeutic massage, adult day health services, home-based palliative care, support for caregivers of enrollees, additional sessions of smoking and tobacco cessation counseling, enhanced disease management, telemonitoring services, and counseling services are not covered. Other covered services include Personal Emergency Response System (PERS), Medical Nutrition Therapy (MNT), In-Home Support Services, Fitness Benefit, Remote Access Technologies, Home and Bathroom Safety Devices and Modifications, Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit, all with no copay.
Hearing Services See details
Hearing exams are covered with a $30 copay. Routine hearing exams and fitting/evaluation for hearing aids are covered with no copay. Prescription hearing aids are covered, with a plan-specified amount of $750 per ear every three years, and no copay for "all types" of prescription hearing aids. OTC hearing aids are not covered, and prescription hearing aids for the inner and outer ear are not covered.
Vision Services See details
The Zing Elite Diabetes & Heart IN (HMO C-SNP) plan covers vision services including eye exams and eyewear. Eye exams have a copay between $0 and $30, while routine eye exams have no copay. Eyewear, including contact lenses, eyeglasses (lenses and frames), and eyeglass lenses, has no copay, and a combined maximum of $350 per year. Upgrades are not covered.
Dental Services See details
Dental services include no copay for Medicare and other dental services, including oral exams, dental x-rays, prophylaxis (cleaning), restorative services, adjunctive general services, endodontics, periodontics, prosthodontics (removable and fixed), and oral and maxillofacial surgery. There is also coverage for fluoride treatment. However, maxillofacial prosthetics, implant services, and orthodontics are not covered, and a $2500 maximum plan benefit applies annually.
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%.
Dialysis Services See details
Dialysis Services are covered by the Zing Elite Diabetes & Heart IN (HMO C-SNP) plan. There is a coinsurance of 20% for dialysis services.
Medical Equipment See details
Medical Equipment is covered by the Zing Elite Diabetes & Heart IN (HMO C-SNP) plan, including Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment. DME has a 20% coinsurance, while Prosthetics/Medical Supplies have a 20% coinsurance, and Diabetic Supplies have a coinsurance of 0-20% and a copay for Medicare-covered diabetes supplies.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered. Diagnostic procedures and tests have a copay between $0 and $25, and lab services have no copay. Diagnostic radiological services have a copay between $50 and $150, therapeutic radiological services have a 20% coinsurance, and outpatient X-ray services have no copay.
Home Health Services See details
Home Health Services are covered by the Zing Elite Diabetes & Heart IN (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 specific services including Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, and Additional Cardiac Rehabilitation Services are not covered. Prior authorization is required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered under the Zing Elite Diabetes & Heart IN (HMO C-SNP) plan, but require prior authorization. For days 1-20, there is no copay, and for days 21-100, the copay is $214 per day. Additional days beyond Medicare-covered and non-Medicare-covered stays for SNF are not covered.
Other Services See details
The Zing Elite Diabetes & Heart IN (HMO C-SNP) plan covers Over-the-Counter (OTC) Items with no copay up to a maximum of $174 per month, and 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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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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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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