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Zing Elite Select OH (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Zing Elite Select OH (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 OH (HMO) in 2026, please refer to our full plan details page.
Zing Elite Select OH (HMO) is a HMO plan offered by Zing Health Consolidator, Inc available for enrollment in 2025 to people living in Select Counties in Northern Ohio. This plan received an overall rating of 2.5 out of 5 stars in 2026.
It's important to know that Zing Elite Select OH (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 OH (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 OH (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 $3900.00 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 OH (HMO) Medicare plan features a $0 drug deductible, allowing your prescription coverage to begin immediately. Under this plan, there is no copay for Tier 1 preferred generic drugs filled at standard pharmacies or through standard mail order. Tier 2 generic drugs also feature no copay for mail order prescriptions, while standard pharmacy copays range from $8 for a one-month supply to $24 for a three-month supply. For Tier 3 preferred brand drugs, you will pay a $47 copay for a one-month supply, with three-month mail order supplies capped at a $94 copay. Tier 4 non-preferred drugs require a 25% coinsurance for both standard pharmacy and mail order fills. Tier 5 specialty drugs are covered with a 33% coinsurance for a one-month supply.
Additional Benefits
The Zing Elite Select OH (HMO) plan offers robust coverage for essential medical services, featuring no copay and no coinsurance for primary care visits, preventive services, and home health care. Specialist visits require a low $10 copay, while inpatient hospital stays incur a $325 daily copay for days 1 through 6 and no copay for days 7 through 90. Outpatient hospital services carry a $130 copay, and emergency room visits require a $125 copay, which is waived if you are admitted. This plan also provides excellent supplemental benefits with no copay or coinsurance, including up to $2,400 annually for covered dental services and a $275 annual allowance for routine eyewear. Members also benefit from no copay on routine hearing exams, covered hearing aids up to $750 per ear every three years, and up to 24 free one-way transportation trips per year. Additionally, the plan features a $90 quarterly allowance for over-the-counter items with no copay.
Inpatient Hospital See details
Zing Elite Select OH (HMO) covers inpatient acute and psychiatric hospital services with no coinsurance, requiring a $325 daily copay for days 1 through 6 and no copay for days 7 through 90. Unlimited additional acute care days are covered with no copay, but additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Zing Elite Select OH (HMO) covers outpatient hospital services with a $130 copay and observation services with a $75 copay per stay, both with no coinsurance. Ambulatory surgical center services require a $120 copay and no coinsurance, while outpatient substance abuse and blood services are covered with no copay and no coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered by Zing Elite Select OH (HMO) with a $70 copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
Zing Elite Select OH (HMO) covers ground ambulance services with a $200 copay and air ambulance services with a 20% coinsurance. Transportation services are partially covered, offering up to 24 one-way trips per year to plan-approved locations with no copay and no coinsurance, though transportation to any health-related location is not covered.
Emergency Services See details
Zing Elite Select OH (HMO) covers emergency services with a $125 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours, and urgently needed services with a $0 to $5 copay and no coinsurance. Worldwide emergency services are partially covered up to a $100,000 maximum with no copay or coinsurance, though worldwide emergency transportation is not covered.
Primary Care See details
Zing Elite Select OH (HMO) primary care benefits feature no copay and no coinsurance for primary care provider visits, psychiatric services, and mental health specialty sessions. Specialist visits require a $10 copay, therapy services require a $25 copay, and chiropractic services are only partially covered with routine and other chiropractic care not covered, all with no coinsurance.
Preventive Services See details
Zing Elite Select OH (HMO) covers preventive services with no copay and no coinsurance, including annual physicals, kidney disease education, and glaucoma screenings. Additional preventive benefits are partially covered, excluding services such as health education, personal emergency response systems, and nutritional/dietary benefits.
Hearing Services See details
Hearing Services are partially covered by Zing Elite Select OH (HMO) with no deductible and no coinsurance. Medicare-covered exams require a $25 copay, while routine exams and fitting evaluations have no copay. Prescription hearing aids have no copay and are covered up to $750 per ear every three years, though OTC, inner ear, outer ear, and over the ear hearing aids are not covered.
Vision Services See details
Vision services are partially covered by Zing Elite Select OH (HMO), which offers routine eye exams and eyewear with no copay and no coinsurance. Eyewear is covered up to a $275 annual limit, but other eye exam services and eyewear upgrades are not covered.
Dental Services See details
Dental services are partially covered by Zing Elite Select OH (HMO) with no copay and no coinsurance up to a $2,400 annual maximum, though prior authorization is required for certain benefits. While routine cleanings, exams, and various comprehensive services are covered, this plan does not cover other diagnostic dental services, other preventive dental services, maxillofacial prosthetics, implant services, and orthodontics.
Home Infusion bundled Services See details
Zing Elite Select OH (HMO) covers home infusion bundled services with no copay, though prior authorization and step therapy may apply. Covered Medicare Part B chemotherapy, radiation, and other drugs require no copay and coinsurance ranging from no coinsurance to 20%, while Part B insulin has a $35 copay and coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis services are covered by Zing Elite Select OH (HMO) with no copay and a 20% coinsurance.
Medical Equipment See details
Zing Elite Select OH (HMO) covers medical equipment, including durable medical equipment (DME), prosthetics, and diabetic equipment, with no copay for all covered items. A 20% coinsurance applies to DME, prosthetics, medical supplies, and diabetic therapeutic shoes, while diabetic supplies range from no coinsurance to 20% coinsurance. Prior authorization is required for these benefits, and coverage may be limited to preferred vendors or manufacturers.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the Zing Elite Select OH (HMO) plan, with prior authorization required for all services. There is no copay and no coinsurance for diagnostic tests, lab services, and outpatient X-rays, while diagnostic radiological services require a minimum $50 copay and therapeutic radiological services carry a minimum 20% coinsurance.
Home Health Services See details
Zing Elite Select OH (HMO) covers Home Health Services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Zing Elite Select OH (HMO) covers some cardiac rehabilitation services with no copay and no coinsurance, though prior authorization is required. However, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Zing Elite Select OH (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. Under this plan, there is no copay for days 1 through 20 and a $214 daily copay for days 21 through 100 per stay, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by Zing Elite Select OH (HMO), which offers no copay and no coinsurance for over-the-counter (OTC) items and chronic illness meal benefits. Members receive a $90 maximum allowance every three months for OTC items, though acupuncture is not covered.
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