Zing Elite Diabetes & Heart IN (HMO C-SNP)

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 2.5 out of 5 stars in 2026.

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.

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.

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:

Drug Coverage

The Zing Elite Diabetes & Heart IN (HMO C-SNP) plan features a $0 drug deductible, meaning your prescription coverage begins immediately. You will pay no copay for Tier 1 preferred generic drugs and Tier 6 select care drugs at both standard pharmacies and through standard mail order. For Tier 2 generic drugs, there is also no copay when using standard mail order, while standard retail pharmacies charge an $8 copay for a one-month supply. Tier 3 preferred brand drugs require a $47 copay for a one-month supply at standard retail and mail-order pharmacies. Higher-tier medications carry coinsurance costs, with Tier 4 non-preferred drugs requiring 25% coinsurance and Tier 5 specialty drugs requiring 33% coinsurance. This structure helps keep routine medications highly affordable while providing clear cost-sharing for specialized prescriptions.

Additional Benefits

The Zing Elite Diabetes & Heart IN (HMO C-SNP) plan offers robust medical coverage with no copay for primary care visits, mental health services, and preventive care. For other medical needs, members pay a daily copay of $350 for the first six days of inpatient hospital stays, a $125 copay for outpatient hospital services, and no copay to a $10 copay for specialist visits. Emergency room visits require a $125 copay, which is waived upon hospital admission, while urgently needed care carries no copay to a $10 copay. In addition to core medical care, the plan features dental services up to a $2,500 annual maximum and routine vision exams with eyewear up to $350 yearly, both with no copay or coinsurance. Members also benefit from routine hearing exams with no copay, up to $750 per ear every three years for prescription hearing aids, and up to 30 one-way transportation trips per year to approved locations. Other supportive services, such as home health care and cardiac rehabilitation, are also available with no copay and no coinsurance.