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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 2025, 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 3.5 out of 5 stars in 2025.
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 has a $0 deductible for prescription drugs. In the initial coverage phase, you will pay varying costs depending on the drug tier and pharmacy. For example, you may pay $8.00 copay for a preferred generic drug at a standard pharmacy or 33% coinsurance for a preferred brand drug at a standard pharmacy. After your total drug costs reach $2,000.00, you enter the catastrophic coverage phase where you pay nothing for covered Part D drugs. This plan may have a reduced premium if you qualify for the low-income subsidy.
Additional Benefits
The Zing Select Care TN-MS (HMO) plan offers a range of benefits with varying cost-sharing. Inpatient hospital stays have a copay, while outpatient services include copays for hospital and ASC services, and no copays for outpatient substance abuse and blood services. Emergency services and primary care visits, including mental health, have a copay. The plan also covers preventive services, hearing exams, vision services, and dental services with no copays for many services, but with some maximum benefit limits. Additional benefits include ambulance services, home health services, and skilled nursing facility stays with copays, along with coverage for medical equipment and diagnostic services with coinsurance. The plan also covers home infusion, dialysis services, and cardiac rehabilitation services.
Inpatient Hospital See details
Inpatient Hospital services, including acute and psychiatric care, are covered with a copay of $305 for days 1-6 and no copay for days 7-90. Additional days for inpatient hospital-acute are covered with no copay. Non-Medicare-covered stays and upgrades for inpatient hospital-acute are not covered, as well as additional days and non-Medicare-covered stays for inpatient hospital psychiatric.
Outpatient Services See details
Outpatient Services include coverage for outpatient hospital services with a $225 copay, observation services with a $90 copay, ambulatory surgical center (ASC) services with a $125 copay, outpatient substance abuse services with no copay for individual and group sessions, and outpatient blood services 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
The Zing Select Care TN-MS (HMO) plan covers ambulance and transportation services, including ground and air 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 no copay, up to 24 one-way trips per year, and transportation to any health-related location is not covered.
Emergency Services See details
Emergency Services for the Zing Select Care TN-MS (HMO) plan include a $125 copay, with no coinsurance, and the copay is waived if you are admitted to the hospital within 24 hours. Urgently Needed Services have a copay between $0 and $10, with no coinsurance. Worldwide Emergency Coverage has no copay, and Worldwide Urgent Coverage has no copay, while Worldwide Emergency Transportation is not covered.
Primary Care See details
The Zing Select Care TN-MS (HMO) plan covers primary care physician services with no copay, chiropractic services with a $20 copay, occupational therapy services with a $20 copay, physician specialist services with a $25 copay, mental health specialty services with no copay for individual and group sessions, podiatry services with a copay between $20 and $35, other health care professional services with no copay, psychiatric services with no copay for individual and group sessions, physical therapy and speech-language pathology services with a $20 copay, additional telehealth benefits with a copay between $0 and $35, and opioid treatment program services with a $35 copay. Routine chiropractic care is not covered.
Preventive Services See details
Preventive services include Medicare-covered preventive services, annual physical exams, and additional preventive services. Annual physical exams have no copay, while other services may have a copay, including Fitness Benefit, Remote Access Technologies, Home and Bathroom Safety Devices and Modifications, Weight Management Programs, and In-Home Support Services. Glaucoma screenings, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following a Welcome Visit have no copay.
Hearing Services See details
Hearing Services include hearing exams, routine hearing exams, fitting/evaluation for hearing aids, prescription hearing aids, and OTC hearing aids. Hearing Exams have a $35 copay, while routine hearing exams and fitting/evaluation for hearing aids have no copay. Prescription hearing aids are covered with a maximum plan benefit coverage of $750.00 per ear every three years, while OTC hearing aids are not covered.
Vision Services See details
Vision services include eye exams, eyewear, contact lenses, eyeglass lenses, and eyeglass frames. Eye exams have a $35 copay, and routine eye exams, contact lenses, eyeglasses (lenses and frames), eyeglass lenses, and eyeglass frames have no copay. Eyewear has a combined maximum benefit of $350 every year, and upgrades are not covered.
Dental Services See details
The Zing Select Care TN-MS (HMO) plan covers Medicare and other dental services with no copay, and a maximum of $2000 per year. Oral exams, dental x-rays, prophylaxis (cleaning), and fluoride treatments are covered with no copay; Oral exams are limited to one visit every six months, dental x-rays are limited to one per year, prophylaxis is limited to one visit every six months, and fluoride treatments are limited to one per year. Restorative services, adjunctive general services, endodontics, periodontics, prosthodontics (removable and fixed), and oral and maxillofacial surgery are covered with no copay. Maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, with prior authorization required. For Medicare Part B Insulin Drugs, there is a $35 copay and the coinsurance ranges from 0% to 20%. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, the coinsurance ranges from 0% to 20%.
Dialysis Services See details
Dialysis Services are covered under the Zing Select Care TN-MS (HMO) plan. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment is covered by Zing Select Care TN-MS (HMO), with Durable Medical Equipment subject to 20% coinsurance and no copay, and Prosthetics/Medical Supplies and Diabetic Equipment subject to 20% coinsurance and no copay. Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for all diagnostic services, diagnostic procedures/tests with a copay between $0 and $25, and lab services with no copay. Additionally, diagnostic radiological services have a copay up to $150, therapeutic radiological services have a coinsurance of at least 20%, and outpatient X-ray services have no copay.
Home Health Services See details
Home Health Services are covered by the Zing Select Care TN-MS (HMO) plan with no copay and no coinsurance. Additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but the plan does not specify the cost sharing information, and prior authorization is required. The plan specifies that 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.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Zing Select Care TN-MS (HMO) plan, but require prior authorization. For days 1-20, there is no copay, and for days 21-100, the copay is $214. Additional days beyond Medicare-covered SNF stays and non-Medicare-covered SNF stays are not covered.
Other Services See details
The Zing Select Care TN-MS (HMO) plan covers Over-the-Counter (OTC) Items 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. The OTC benefit has a maximum coverage amount of $154 every three months.
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