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Zing Elite Select TN-MS (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Zing Elite Select TN-MS (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 TN-MS (HMO) in 2025, please refer to our full plan details page.
Zing Elite Select TN-MS (HMO) is a HMO 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 3.5 out of 5 stars in 2025.
It's important to know that Zing Elite Select TN-MS (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 TN-MS (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 TN-MS (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 TN-MS (HMO) plan has a $0 deductible for prescription drugs. In the initial coverage phase, you'll pay varying costs depending on the drug tier and pharmacy. For example, you'll pay an $8 copay for preferred generic drugs at a standard pharmacy, and no copay for preferred generic drugs via mail order. Standard generic drugs will cost a $47 copay, and brand name drugs have a 33% coinsurance. Once your total drug costs reach $2000, you enter the catastrophic coverage phase where you pay nothing for Part D covered drugs.
Additional Benefits
The Zing Elite Select TN-MS (HMO) plan offers a range of benefits with varying costs. Inpatient hospital stays have a copay, while outpatient services have copays that vary depending on the service. Emergency, primary care, and preventive services are covered, some with no copay. This plan also includes coverage for hearing, vision, and dental services, often with copays or coinsurance. Additionally, it covers home health, ambulance, and skilled nursing facility services. The plan provides coverage for other services like over-the-counter items and meal benefits.
Inpatient Hospital See details
Inpatient Hospital services, including acute and psychiatric care, are covered by the Zing Elite Select TN-MS (HMO) plan. For acute care, you will pay a $295 copay for days 1-6, and no copay for days 7-90; for psychiatric care, you will also pay a $295 copay for days 1-6, and no copay for days 7-90. Additional days for Inpatient Hospital-Acute are covered with no copay, but Non-Medicare-covered Stay and Upgrades for Inpatient Hospital-Acute, as well as Additional Days and Non-Medicare-covered Stay for Inpatient Hospital Psychiatric, are not covered.
Outpatient Services See details
Outpatient Services includes coverage for all outpatient hospital services with a $175 copay, observation services with a $75 copay, and ambulatory surgical center services with a $120 copay. Outpatient Substance Abuse Services are covered with no copay for both individual and group sessions, and Outpatient Blood Services are covered with no copay.
Partial Hospitalization See details
Partial Hospitalization is covered, but requires prior authorization. You will pay a $70 copay for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, with prior authorization required for all ambulance services. Ground ambulance services have a $200 copay, while air ambulance services have a 20% coinsurance. Transportation services to a plan-approved health-related location are covered, with 40 one-way trips per year and no copay, while transportation to any health-related location is not covered.
Emergency Services See details
Emergency Services are covered by the Zing Elite Select TN-MS (HMO) plan with a $125 copay, and no coinsurance. Urgently Needed Services have a copay between $0 and $5, and no coinsurance. Worldwide Emergency Coverage and Worldwide Urgent Coverage have no copay and no coinsurance, while Worldwide Emergency Transportation is not covered.
Primary Care See details
The Zing Elite Select TN-MS (HMO) plan covers primary care physician services with no copay. Chiropractic services have a $15 copay. Occupational therapy services have a $30 copay. Physician specialist services have a $15 copay. Mental health specialty services, including individual and group sessions, have no copay. Podiatry services have a $25 copay for Medicare-covered services and routine foot care. Other health care professional services and psychiatric services, including individual and group sessions, have no copay. Physical therapy and speech-language pathology services have a $30 copay. Additional telehealth benefits have a copay ranging from $0 to $25, and Opioid Treatment Program Services have a $25 copay.
Preventive Services See details
Preventive Services include coverage for annual physical exams with no copay, and for additional services like glaucoma screenings and diabetes self-management training with no copay. Health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, 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.
Hearing Services See details
The Zing Elite Select TN-MS (HMO) plan covers Hearing Exams with a $25 copay, and Routine Hearing Exams and Fitting/Evaluation for Hearing Aids with no copay. Prescription hearing aids are covered with a maximum plan benefit of $750 every three years, while OTC hearing aids, Prescription Hearing Aids - Inner Ear, Outer Ear, and Over the Ear are not covered.
Vision Services See details
Vision services include eye exams and eyewear. Eye exams have a $25 copay, and routine eye exams are covered with no copay. Eyewear, including contact lenses, eyeglasses (lenses and frames), and eyeglass lenses, are covered with no copay, and there is a combined maximum of $250 per year. Upgrades are not covered.
Dental Services See details
Dental Services are covered, including Medicare Dental Services with a $0 copay, and other dental services with a $2,000 annual maximum. Oral exams, dental X-rays, prophylaxis (cleaning), and fluoride treatments are covered with a $0 copay, but have visit limits. Restorative services, adjunctive general services, endodontics, periodontics, prosthodontics (removable and fixed), and oral and maxillofacial surgery are covered with a $0 copay. Maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services, including Insulin and other Medicare Part B drugs, are covered by the Zing Elite Select TN-MS (HMO) plan. For Medicare Part B Insulin Drugs, you will pay a $35 copay and between 0-20% coinsurance; for Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, you will pay between 0-20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the Zing Elite Select TN-MS (HMO) plan with a coinsurance between 20% and 20%.
Medical Equipment See details
Medical Equipment is covered by the Zing Elite Select TN-MS (HMO) plan, including Durable Medical Equipment (DME) with a 20% coinsurance and Prosthetics/Medical Supplies with a 20% coinsurance, however, Durable Medical Equipment for use outside the home is not covered. Diabetic Supplies have a coinsurance between 0% and 20%, while Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including Diagnostic Procedures/Tests with a copay between $0 and $25, and Lab Services with no copay. Outpatient X-Ray Services have no copay, while Diagnostic Radiological Services have a copay between $50 and $150, and Therapeutic Radiological Services have a coinsurance of at least 20%.
Home Health Services See details
Home Health Services are covered by the Zing Elite Select TN-MS (HMO) plan with no copay and no coinsurance, but additional hours of care and personal care services are not covered. Prior authorization is required for this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but not in practice, as 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 by the Zing Elite Select TN-MS (HMO) plan with prior authorization. There is no copay for days 1-20, and a $214 copay for days 21-100; additional days beyond Medicare-covered and non-Medicare-covered stays are not covered.
Other Services See details
The Zing Elite Select TN-MS (HMO) plan's other services include coverage for Over-the-Counter (OTC) items with no copay and a maximum benefit of $198 every three months, and meal benefits with no copay. 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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