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Zing Select Care TN-MS (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Zing Select Care 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 Select Care TN-MS (HMO) in 2026, please refer to our full plan details page.
Zing Select Care TN-MS (HMO) is a HMO plan offered by Zing Health Consolidator, Inc available for enrollment in 2025 to people living in Memphis-Delta, North Mississippi and Nashville. This plan received an overall rating of 2.5 out of 5 stars in 2026.
It's important to know that Zing Select Care 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 Select Care 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 Select Care 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 $4500.00 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 Select Care TN-MS (HMO) plan features a $0 drug deductible, meaning your prescription drug coverage begins immediately. You will pay no copay for Tier 1 preferred generic drugs filled at standard pharmacies or through standard mail order. For Tier 2 generic drugs, there is no copay for standard mail orders, while standard retail pharmacies charge an $8 copay for a 1-month supply, $16 for a 2-month supply, and $24 for a 3-month supply. Tier 3 preferred brand drugs require a $47 copay for a 1-month supply at both standard pharmacies and mail order, though a 3-month mail order supply offers savings at $94 compared to $141 at retail. Tier 4 non-preferred drugs carry a 25% coinsurance for all supply durations through standard pharmacy and mail order channels. Tier 5 specialty tier drugs require a 33% coinsurance for a 1-month supply.
Additional Benefits
The Zing Select Care TN-MS (HMO) plan offers robust coverage for essential medical services with predictable out-of-pocket costs and no coinsurance for most medical care. Members enjoy no copay for primary care visits, while specialist visits require a $25 copay and outpatient hospital services carry a $225 copay. For inpatient hospital stays, there is no copay after day six, following a $305 daily copay for the first six days of your stay. This plan also features valuable supplemental benefits designed to lower your healthcare expenses, including up to $2,150 annually for covered dental services and a $350 yearly allowance for vision eyewear with no copay or coinsurance. Additionally, members receive up to 12 one-way trips to approved locations per year and a $150 quarterly allowance for over-the-counter items with no copay. Hearing services are also covered, featuring no copay for routine exams and up to $750 per ear every three years for prescription hearing aids.
Inpatient Hospital See details
Zing Select Care TN-MS (HMO) partially covers inpatient hospital services with no coinsurance, requiring a $305 daily copay for days 1 through 6 and no copay for days 7 through 90 for both acute and psychiatric stays. Additional acute days are covered with no copay, but upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Zing Select Care TN-MS (HMO) covers outpatient hospital services with a $225 copay and observation services with a $90 copay per stay, both with no coinsurance. Ambulatory surgical center services require a $125 copay and no coinsurance, while outpatient substance abuse and blood services are covered with no copay and no coinsurance.
Partial Hospitalization See details
Zing Select Care TN-MS (HMO) covers partial hospitalization services with a $70.00 copay and no coinsurance. Prior authorization is required to receive this benefit.
Ambulance and Transportation Services See details
Zing Select Care TN-MS (HMO) covers ambulance services with a $200 copay for ground transport and 20% coinsurance for air transport, with prior authorization required. Transportation services are partially covered with no copay or coinsurance for up to 12 one-way trips per year to plan-approved locations, but transportation to any health-related location is not covered.
Emergency Services See details
Zing Select Care 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. Urgently needed services feature a copay ranging from no copay to $10 with no coinsurance, and worldwide emergency and urgent services are covered up to $50,000 with no copay or coinsurance, though worldwide emergency transportation is not covered.
Primary Care See details
Primary care benefits under Zing Select Care TN-MS (HMO) feature no copay and no coinsurance for primary care physician visits, mental health specialty services, and psychiatric services. Specialist visits require a $25 copay, physical, occupational, and speech therapies have a $20 copay, and podiatry services carry a $20 to $35 copay, all with no coinsurance, while chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by Zing Select Care TN-MS (HMO) with no copay and no coinsurance for covered options like annual physicals, kidney disease education, fitness benefits, and remote access technologies. However, several supplemental services are not covered, including health education, personal emergency response systems (PERS), medical nutrition therapy, weight management, and counseling.
Hearing Services See details
Zing Select Care TN-MS (HMO) partially covers hearing services, requiring a $35 copay and no coinsurance for Medicare-covered exams, while routine exams and fitting evaluations have no copay and no coinsurance. Prescription hearing aids are covered up to $750 per ear every three years with no copay or coinsurance, but inner ear, outer ear, over the ear, and OTC hearing aids are not covered.
Vision Services See details
Zing Select Care TN-MS (HMO) partially covers vision services, providing one routine eye exam annually and eyewear up to a $350 yearly limit with no copay, coinsurance, or deductible. However, other eye exam services and eyewear upgrades are not covered by the plan.
Dental Services See details
Dental Services are partially covered by Zing Select Care TN-MS (HMO) with no copay and no coinsurance for covered services, up to a $2,150 annual maximum. Uncovered services under this plan include other diagnostic dental services, other preventive dental services, maxillofacial prosthetics, implant services, and orthodontics.
Home Infusion bundled Services See details
Zing Select Care TN-MS (HMO) covers Home Infusion bundled Services with no copay, subject to prior authorization. Associated Medicare Part B chemotherapy and other drugs require no coinsurance to 20% coinsurance, while Part B insulin carries a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Zing Select Care TN-MS (HMO) covers Dialysis Services with no copay and a 20% coinsurance. This benefit ensures access to necessary dialysis treatments with clear, predictable cost-sharing.
Medical Equipment See details
Zing Select Care TN-MS (HMO) covers medical equipment with no copay, though prior authorization is required. Durable medical equipment, prosthetics, medical supplies, and diabetic shoes carry a 20% coinsurance, while diabetic supplies range from no coinsurance up to 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by Zing Select Care TN-MS (HMO), featuring no copay and no coinsurance for diagnostic procedures, lab services, and outpatient X-rays. Diagnostic radiological services require a minimum $50 copay, while therapeutic radiological services require a minimum 20% coinsurance, with prior authorization required.
Home Health Services See details
Home Health Services are covered by Zing Select Care TN-MS (HMO) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered under the Zing Select Care TN-MS (HMO) plan with no copay and no coinsurance, and prior authorization is required. While some services are covered, specific sub-services including standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Zing Select Care TN-MS (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. There is no copay for days 1 through 20 and a $214 daily copay for days 21 through 100, though additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Zing Select Care TN-MS (HMO) partially covers other services, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance, while acupuncture is not covered. The OTC benefit provides up to $150 of coverage every three months, and the chronic illness meal benefit has no maximum limit.
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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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