Zing Elite Diabetes & Heart TN-MS (HMO C-SNP)

Zing Elite Diabetes & Heart TN-MS (HMO C-SNP) is a HMO C-SNP plan offered by Zing Health Consolidator, Inc available for enrollment in 2025 to people living in Shelby and DeSoto Counties. 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 TN-MS (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 TN-MS (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 TN-MS (HMO C-SNP) features a $0 drug deductible, meaning prescription coverage begins immediately. Under this plan, you will pay no copay for Tier 1 preferred generic drugs and Tier 6 select care drugs at standard pharmacies and through standard mail order. Tier 2 generic medications also feature no copay when filled via standard mail order, or an $8 copay for a 1-month supply at standard pharmacies. For Tier 3 preferred brand drugs, you will pay a $47 copay for a 1-month supply at standard pharmacies and mail order, with mail order reducing 3-month supplies to a $94 copay. Tier 4 non-preferred drugs require a 25% coinsurance for all supply durations, while Tier 5 specialty drugs require a 33% coinsurance for a 1-month supply.

Additional Benefits

The Zing Elite Diabetes & Heart TN-MS (HMO C-SNP) offers comprehensive medical coverage with no copays for primary care visits, preventive services, and home health care. Specialist visits feature a low copay of up to $20, while inpatient hospital stays require a $350 daily copay for the first six days and no copay thereafter. Emergency room visits have a $125 copay, which is waived if you are admitted, and ground ambulance services require a $200 copay. This plan also provides robust supplemental benefits, including routine dental care up to $2,500 annually and vision services up to $350 per year with no copay. Routine hearing exams and hearing aids up to $750 per ear every three years are also covered with no copay. Additionally, durable medical equipment and dialysis services are covered with a 20% coinsurance and no copays.