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Zing Elite Essentials Diabetes & Heart IL-IN (HMO C-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Zing Elite Essentials Diabetes & Heart IL-IN (HMO C-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Zing Elite Essentials Diabetes & Heart IL-IN (HMO C-SNP) in 2026, please refer to our full plan details page.
Zing Elite Essentials Diabetes & Heart IL-IN (HMO C-SNP) is a HMO C-SNP plan offered by Zing Health Consolidator, Inc available for enrollment in 2026 to people living in Select Counties in Illinois and Indiana. This plan received an overall rating of 2.5 out of 5 stars in 2026.
It's important to know that Zing Elite Essentials Diabetes & Heart IL-IN (HMO C-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
Zing Elite Essentials Diabetes & Heart IL-IN (HMO C-SNP)is a Special Needs Type (SNP) plan. This means you can only enroll in this plan if you meet specific criteria. See our full plan details page for more information.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Zing Elite Essentials Diabetes & Heart IL-IN (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.
For Zing Elite Essentials Diabetes & Heart IL-IN (HMO C-SNP), 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 a $615.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $3200.00 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 Essentials Diabetes & Heart IL-IN (HMO C-SNP) prescription drug plan has an annual drug deductible of $615. You can enjoy no copay for all drug tiers, including specialty medications, when using preferred pharmacies or preferred mail-order services. This makes utilizing the plan's preferred network the most cost-effective way to manage your prescription needs. When using standard pharmacies or standard mail-order services, a 15% coinsurance applies to Tier 1 preferred generic drugs. For Tiers 2 through 4, as well as Tier 5 specialty drugs, a 25% coinsurance is required for your prescriptions. Please note that Tier 5 specialty drugs are restricted to a one-month supply under standard pharmacy and mail-order options.
Additional Benefits
The Zing Elite Essentials Diabetes & Heart IL-IN (HMO C-SNP) offers robust medical coverage with no copay for primary care visits, preventive services, and home health care. Specialists are highly accessible with a copay of up to $10, while inpatient hospital stays require a $275 daily copay for the first six days and no copay thereafter. Emergency room visits carry a $140 copay, which is waived if you are admitted, and urgent care visits feature a low copay of up to $10. This plan also features excellent supplemental benefits, including comprehensive dental coverage up to a $2,500 annual limit and routine vision care with a $350 annual eyewear allowance, both with no copays or coinsurance. Additionally, members benefit from routine hearing exams and hearing aid coverage up to $750 per ear every three years with no copay, alongside up to 30 one-way transportation trips per year to approved locations with no copay.
Inpatient Hospital See details
Zing Elite Essentials Diabetes & Heart IL-IN (HMO C-SNP) partially covers inpatient hospital services with no coinsurance, requiring prior authorization and a copay of $275 per day for days 1 through 6, and no copay for days 7 through 90. Upgrades, non-Medicare-covered stays, and additional psychiatric hospital days are not covered under this benefit.
Outpatient Services See details
Outpatient services covered by Zing Elite Essentials Diabetes & Heart IL-IN (HMO C-SNP) include outpatient hospital visits for a $225 copay and observation services for a $90 copay per stay, both featuring no coinsurance. Additionally, ambulatory surgical center services require a $125 copay with no coinsurance, while outpatient substance abuse and blood services are covered with no copay and no coinsurance.
Partial Hospitalization See details
Zing Elite Essentials Diabetes & Heart IL-IN (HMO C-SNP) covers partial hospitalization with a $70.00 copay and no coinsurance. Prior authorization is required for this covered benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by Zing Elite Essentials Diabetes & Heart IL-IN (HMO C-SNP), featuring a $200 copay and no coinsurance for ground ambulance services, and a 20% coinsurance with no copay for air ambulance services. Transportation services are partially covered, offering up to 30 one-way trips per year to plan-approved locations with no copay and no coinsurance, while trips to non-approved health-related locations are not covered.
Emergency Services See details
Zing Elite Essentials Diabetes & Heart IL-IN (HMO C-SNP) covers emergency services with a $140 copay and no coinsurance, which is waived if admitted to the hospital within 24 hours, and urgently needed services with a $0 to $10 copay and no coinsurance. Worldwide emergency and urgent services are partially covered up to a $100,000 limit with no copay or coinsurance, but worldwide emergency transportation is not covered.
Primary Care See details
Zing Elite Essentials Diabetes & Heart IL-IN (HMO C-SNP) offers primary care physician visits with no copay and no coinsurance, and specialist visits with a $0 to $10 copay and no coinsurance. Physical, occupational, and speech therapies require a $20 copay and no coinsurance, while chiropractic services are only partially covered since routine and other chiropractic services are not covered.
Preventive Services See details
Zing Elite Essentials Diabetes & Heart IL-IN (HMO C-SNP) covers preventive services, including annual physical exams and kidney disease education, with no copay and no coinsurance. Additional preventive benefits are partially covered with no copay and no coinsurance for services like fitness benefits and personal emergency response systems, while health education, weight management, and therapeutic massage are not covered.
Hearing Services See details
Hearing services are partially covered by Zing Elite Essentials Diabetes & Heart IL-IN (HMO C-SNP), featuring a $20 copay and no coinsurance for Medicare-covered exams, and no copay or coinsurance for annual routine exams and fitting evaluations. Prescription hearing aids also have no copay or coinsurance with a maximum coverage of $750 per ear every three years, but OTC hearing aids and inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Vision services are partially covered by Zing Elite Essentials Diabetes & Heart IL-IN (HMO C-SNP), offering routine eye exams and eyewear with no copay, no coinsurance, and no deductible, including a $350 annual eyewear allowance. However, other eye exam services and eyewear upgrades are not covered.
Dental Services See details
Zing Elite Essentials Diabetes & Heart IL-IN (HMO C-SNP) offers partially covered dental services with no copays and no coinsurance for covered benefits, up to a $2,500 annual maximum. While many preventive and comprehensive services are covered, other diagnostic dental services, other preventive dental services, maxillofacial prosthetics, implants, and orthodontics are not covered.
Home Infusion bundled Services See details
Zing Elite Essentials Diabetes & Heart IL-IN (HMO C-SNP) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy and insulin, feature a 0% to 20% coinsurance, with insulin specifically requiring a $35 copay and no deductible.
Dialysis Services See details
Dialysis Services are covered by Zing Elite Essentials Diabetes & Heart IL-IN (HMO C-SNP) with no copay and a 20% coinsurance.
Medical Equipment See details
Zing Elite Essentials Diabetes & Heart IL-IN (HMO C-SNP) covers medical equipment with no copays, subject to prior authorization. Durable medical equipment, prosthetics, and medical supplies require a 20% coinsurance, while diabetic supplies range from no coinsurance to 20% coinsurance, and diabetic therapeutic shoes or inserts have no coinsurance.
Diagnostic and Radiological Services See details
Zing Elite Essentials Diabetes & Heart IL-IN (HMO C-SNP) covers diagnostic services with no coinsurance, featuring no copay for lab services and a $0 to $25 copay for diagnostic procedures. Covered radiological services require prior authorization and include outpatient X-rays with no copay, diagnostic radiological services with a minimum $50 copay, and therapeutic radiological services with a minimum 20% coinsurance.
Home Health Services See details
Zing Elite Essentials Diabetes & Heart IL-IN (HMO C-SNP) covers Home Health Services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Zing Elite Essentials Diabetes & Heart IL-IN (HMO C-SNP) covers cardiac rehabilitation services with no copay and no coinsurance, though prior authorization is required. While some services are covered, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by Zing Elite Essentials Diabetes & Heart IL-IN (HMO C-SNP) with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. There is no copay for days 1 through 20, followed by a $214 copay for days 21 through 100, while additional days beyond Medicare-covered services are not covered.
Other Services See details
Zing Elite Essentials Diabetes & Heart IL-IN (HMO C-SNP) partially covers other services, which includes a meal benefit for chronic or home-restricting medical conditions with no copay and no coinsurance. Acupuncture and over-the-counter (OTC) items are not covered under this benefit.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
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