Zing Open Choice MI (PPO)

Zing Open Choice MI (PPO) is a PPO plan offered by Zing Health Consolidator, Inc available for enrollment in 2025 to people living in Southeast Michigan. This plan received an overall rating of 3 out of 5 stars in 2026.

It's important to know that Zing Open Choice MI (PPO) 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 Open Choice MI (PPO).

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.

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:

Drug Coverage

The Zing Open Choice MI (PPO) Medicare plan features a $0 drug deductible, meaning your prescription coverage begins immediately. For Tier 1 preferred generic drugs, you will pay no copay at standard pharmacies and through standard mail order. Tier 2 generic drugs also have no copay when ordered through standard mail order, while filling them at a standard pharmacy costs an $8 copay for a one-month supply. Tier 3 preferred brand drugs require a $47 copay for a one-month supply at standard pharmacies or standard mail order, with cost-saving options available on three-month mail orders. Higher-tier medications are subject to coinsurance, with Tier 4 non-preferred drugs requiring 25% coinsurance and Tier 5 specialty drugs requiring 33% coinsurance for a one-month supply. This plan offers a clear and structured approach to managing your prescription medication expenses.

Additional Benefits

The Zing Open Choice MI (PPO) plan offers robust medical coverage with predictable out-of-pocket costs, featuring no copays or coinsurance for primary care visits and preventive services. Specialist visits require a low $20 copay, while inpatient hospital stays carry a $310 daily copay for the first six days and no copay for days seven through 90. Outpatient hospital services require a $250 copay, and emergency care is covered with a $125 copay that is waived upon admission. Supplemental care is also highly accessible, offering preventive and comprehensive dental services with no copay up to a $2,000 annual limit, alongside routine vision coverage with no copay and a $200 eyewear allowance. Routine hearing exams have no copay, and the plan covers prescription hearing aids up to $750 per ear every three years. Additionally, members receive no-copay skilled nursing facility care for the first 20 days and a $120 quarterly allowance for over-the-counter items.