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Zing Elite Balance MI (HMO C-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Zing Elite Balance MI (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 Balance MI (HMO C-SNP) in 2026, please refer to our full plan details page.
Zing Elite Balance MI (HMO C-SNP) is a HMO C-SNP plan offered by Zing Health Consolidator, Inc available for enrollment in 2026 to people living in Metro Detroit. This plan received an overall rating of 2.5 out of 5 stars in 2026.
It's important to know that Zing Elite Balance MI (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 Balance MI (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 Balance MI (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 Balance MI (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 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 Elite Balance MI (HMO C-SNP) plan features a $0 drug deductible, meaning your prescription drug coverage begins immediately. Tier 1 preferred generic drugs have no copay for up to a three-month supply through standard pharmacies or standard mail order. Tier 2 generic medications cost as low as a $5 copay for a one-month supply at standard pharmacies, and they carry no copay when filled through standard mail order. Tier 3 preferred brand drugs carry a $47 copay for a one-month supply, while Tier 6 select care drugs have an $11 monthly copay. Tier 4 non-preferred drugs require a 25% coinsurance for both standard pharmacy and standard mail order fills. Tier 5 specialty drugs require a 33% coinsurance for a one-month supply.
Additional Benefits
The Zing Elite Balance MI (HMO C-SNP) plan offers comprehensive medical coverage featuring no copays and no coinsurance for primary care, preventive services, and home health care. Specialist visits require a low copay of $15 to $20, while inpatient hospital stays have a $295 daily copay for the first six days followed by no copay. Emergency room visits carry a $125 copay, and outpatient hospital services require a $200 copay, with no coinsurance for either service. Supplemental benefits include routine dental care up to $2,500 annually and routine vision exams with up to $300 for eyewear, all with no copays or coinsurance. Members also benefit from no copays on routine hearing exams and up to $750 per ear for hearing aids every three years. Additionally, the plan provides a $150 over-the-counter allowance every three months and meal benefits with no copays, while durable medical equipment and dialysis services require a 20% coinsurance with no copay.
Inpatient Hospital See details
Zing Elite Balance MI (HMO C-SNP) covers inpatient acute and psychiatric hospital services with no coinsurance and a copay of $295 per day for days 1 through 6, followed by no copay for days 7 through 90. Prior authorization is required, and while additional acute care days are unlimited at no copay, upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Zing Elite Balance MI (HMO C-SNP) covers outpatient services with no coinsurance, requiring a $200 copay for outpatient hospital services, an $85 copay per stay for observation services, and a $125 copay for ambulatory surgical center services. Outpatient substance abuse sessions and outpatient blood services are fully covered with no copays and no coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered under the Zing Elite Balance MI (HMO C-SNP) plan with a $90.00 copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
Zing Elite Balance MI (HMO C-SNP) covers ground ambulance services with a $225 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay. Transportation services are partially covered with no copay or coinsurance for up to 12 one-way trips per year to plan-approved locations, though transportation to any health-related location is not covered.
Emergency Services See details
Zing Elite Balance MI (HMO C-SNP) covers emergency services with a $125 copay and no coinsurance, which is waived if admitted to the hospital within 24 hours, and urgently needed services with a copay ranging from no copay to $30 and no coinsurance. Worldwide emergency and urgent care are partially covered with no copay or coinsurance up to a $50,000 maximum benefit, though worldwide emergency transportation is not covered.
Primary Care See details
Primary care benefits through Zing Elite Balance MI (HMO C-SNP) feature no copay and no coinsurance for primary care provider, psychiatric, and mental health services. Specialist visits, physical therapies, and podiatry require a $15 to $20 copay and no coinsurance, while chiropractic care is partially covered as routine and other chiropractic services are not covered.
Preventive Services See details
Zing Elite Balance MI (HMO C-SNP) provides partially covered preventive services with no copay and no coinsurance for covered care, including annual physicals, kidney disease education, and select fitness and nutritional benefits. Several supplemental services are not covered, such as health education, weight management programs, personal emergency response systems (PERS), and alternative therapies.
Hearing Services See details
Hearing services are covered by Zing Elite Balance MI (HMO C-SNP) with a $30 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 and no coinsurance, though OTC hearing aids as well as inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Zing Elite Balance MI (HMO C-SNP) provides partially covered vision services with no coinsurance, featuring no copay for one routine annual eye exam and eyewear up to a $300 yearly limit. Covered eyewear includes one pair of contact lenses, eyeglasses, lenses, or frames per year with no copay, while other eye exam services and upgrades are not covered.
Dental Services See details
Dental services are partially covered by Zing Elite Balance MI (HMO C-SNP) with no copay and no coinsurance up to a $2,500 yearly limit. Under this plan, other diagnostic dental services, other preventive dental services, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Zing Elite Balance MI (HMO C-SNP) with no copay, though prior authorization and step therapy are required. Associated Medicare Part B drugs, including chemotherapy and insulin, require no coinsurance to 20% coinsurance, with insulin drugs also carrying a $35 copay.
Dialysis Services See details
Dialysis Services are covered by Zing Elite Balance MI (HMO C-SNP) with no copay and a 20% coinsurance.
Medical Equipment See details
Zing Elite Balance MI (HMO C-SNP) covers durable medical equipment, prosthetics, and diabetic therapeutic shoes with no copay and a 20% coinsurance. Diabetic supplies are also covered with no copay and coinsurance ranging from no coinsurance to 20%, though prior authorization is required for all medical equipment benefits.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services under Zing Elite Balance MI (HMO C-SNP) feature no copay and no coinsurance for lab services, diagnostic procedures, and outpatient X-rays. Diagnostic radiological services require a copay starting at $50, while therapeutic radiological services carry a 20% coinsurance, with prior authorization required for these services.
Home Health Services See details
Zing Elite Balance MI (HMO C-SNP) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the Zing Elite Balance MI (HMO C-SNP) plan with no copay and no coinsurance, although prior authorization is required. While some services are covered, specific programs including Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) are not covered.
Skilled Nursing Facility (SNF) See details
Zing Elite Balance MI (HMO C-SNP) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other Services under Zing Elite Balance MI (HMO C-SNP) are partially covered, offering over-the-counter (OTC) items and a meal benefit with no copay and no coinsurance, while acupuncture is not covered. The OTC benefit includes up to $150 of coverage every three months, and the meal benefit is available to support members with chronic illnesses or qualifying medical conditions.
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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