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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 2026, 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 2.5 out of 5 stars in 2026.
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) Medicare plan offers a $0 prescription drug deductible, allowing your coverage to start immediately. For Tier 1 preferred generic drugs, you will pay no copay for a 1-month, 2-month, or 3-month supply at standard pharmacies and through standard mail order. Tier 2 generic drugs also feature no copay when filled through standard mail order, though standard retail pharmacies charge an $8 copay for a 1-month supply. For Tier 3 preferred brand drugs, you will pay a $47 copay for a 1-month supply at standard pharmacies and standard mail order. Tier 4 non-preferred drugs require a 25% coinsurance for all supply durations at standard retail and mail-order locations. Tier 5 specialty drugs are limited to a 1-month supply and carry a 33% coinsurance under both standard retail and standard mail-order options.
Additional Benefits
The Zing Elite Select TN-MS (HMO) plan offers robust medical coverage featuring no copay or coinsurance for primary care doctor visits and a $15 copay for specialists. If you require hospital care, inpatient stays have a $295 daily copay for days 1 through 6 and no copay for days 7 through 90, while outpatient services carry a $150 copay. Emergency care is accessible with a $125 copay that is waived upon admission, and urgent care visits require no copay to a $5 copay. This plan also includes valuable supplemental benefits to help manage your everyday health costs, such as dental coverage with no copay or coinsurance up to a $2,350 annual limit. Vision care features no copay for routine exams and up to $250 yearly for eyewear, while hearing services provide up to $750 per ear for prescription hearing aids every three years. Furthermore, members benefit from up to 40 one-way transportation trips per year and a $120 quarterly allowance for over-the-counter items with no copay or coinsurance.
Inpatient Hospital See details
Zing Elite Select TN-MS (HMO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $295 daily copay for days 1 through 6 and no copay for days 7 through 90. This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Zing Elite Select TN-MS (HMO) covers outpatient hospital services with a $150 copay, observation services with a $75 copay per stay, and ambulatory surgical center services with a $120 copay, all with no coinsurance. Outpatient substance abuse and outpatient blood services are also covered with no copay, no coinsurance, and no deductible.
Partial Hospitalization See details
Partial hospitalization services are covered by Zing Elite Select TN-MS (HMO) with a $70.00 copay and no coinsurance, although prior authorization is required.
Ambulance and Transportation Services See details
Zing Elite Select TN-MS (HMO) covers ground ambulance services with a $200 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay. Transportation services are partially covered, offering up to 40 one-way trips per year to plan-approved locations with no copay and no coinsurance, while transportation to any health-related location is not covered.
Emergency Services See details
Zing Elite Select TN-MS (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 TN-MS (HMO) offers primary care physician visits with no copay and no coinsurance, while specialist visits require a $15 copay and no coinsurance. Physical, occupational, and speech therapies carry a $30 copay and no coinsurance, whereas some chiropractic services are covered but routine and other chiropractic services are not covered. Mental health, psychiatric, and telehealth services feature no copay to a $30 copay and no coinsurance, with prior authorization required for select services.
Preventive Services See details
Zing Elite Select TN-MS (HMO) features partially covered preventive services with no copay and no coinsurance for covered benefits such as annual physical exams, kidney disease education, in-home support, and fitness programs. However, the plan does not cover health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, chemotherapy wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, caregiver support, additional smoking cessation, enhanced disease management, telemonitoring, or counseling.
Hearing Services See details
Zing Elite Select TN-MS (HMO) partially covers hearing services, offering routine exams and fitting evaluations with no copay or coinsurance, and Medicare-covered exams for a $25 copay and no coinsurance. Prescription hearing aids are covered up to $750 per ear every three years with no copay or coinsurance, while OTC hearing aids and inner-ear, outer-ear, or over-the-ear prescription aids are not covered.
Vision Services See details
Vision services are partially covered by Zing Elite Select TN-MS (HMO) with no coinsurance, featuring a $25 copay for eye exams, no copay for annual routine exams, and no copay for eyewear up to a $250 yearly limit. Upgrades and other eye exam services are not covered under this plan.
Dental Services See details
Dental Services are partially covered by Zing Elite Select TN-MS (HMO) with no copay and no coinsurance, up to a maximum annual plan benefit of $2,350. While preventive and comprehensive services like cleanings, exams, and restorative care are covered, other diagnostic and preventive services, maxillofacial prosthetics, implants, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Zing Elite Select TN-MS (HMO) with no copay, though prior authorization and step therapy are required. Associated Medicare Part B chemotherapy, radiation, and other drugs require a coinsurance ranging from no coinsurance up to 20%, while covered Part B insulin carries a $35 copay and up to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the Zing Elite Select TN-MS (HMO) plan with no copay and a 20% coinsurance.
Medical Equipment See details
Zing Elite Select TN-MS (HMO) covers medical equipment, including durable medical equipment, prosthetics, and diabetic equipment, with no copay. Most of these covered services require a 20% coinsurance, though diabetic supplies range from no coinsurance to 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the Zing Elite Select TN-MS (HMO) plan, with prior authorization required. There is no copay and no coinsurance for diagnostic procedures and lab services, no copay for outpatient X-rays, a minimum $50 copay for diagnostic radiological services, and a minimum 20% coinsurance for therapeutic radiological services.
Home Health Services See details
Home health services are fully covered under the Zing Elite Select TN-MS (HMO) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Zing Elite Select TN-MS (HMO) covers some cardiac rehabilitation services with no copay and no coinsurance, but prior authorization is required. However, cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Zing Elite Select TN-MS (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, featuring no copay for days 1 through 20 and a $214 daily copay for days 21 through 100. Prior authorization is required, a prior three-day hospital stay is not required, and additional days beyond the Medicare-covered 100 days are not covered.
Other Services See details
Other Services are partially covered by Zing Elite Select TN-MS (HMO), featuring over-the-counter (OTC) items up to $120 every three months and meals for chronic illness with no copay and no coinsurance. Acupuncture is not covered under this benefit.
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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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