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Zing Open Choice IN (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Zing Open Choice IN (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Zing Open Choice IN (PPO) in 2025, please refer to our full plan details page.
Zing Open Choice IN (PPO) is a PPO plan offered by Zing Health Consolidator, Inc available for enrollment in 2025 to people living in Central and Northwest IN. The overall rating for this plan is not yet available for 2025.
It's important to know that Zing Open Choice IN (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 IN (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.
For Zing Open Choice IN (PPO), 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 combined Maximum Out-Of-Pocket cost of $6350.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $6350.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
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 Open Choice IN (PPO) plan has a $0 deductible for prescription drugs. In the initial coverage phase, you'll pay varying copays or coinsurance amounts depending on the drug tier and pharmacy type. For example, you will pay a $15 copay for preferred generic drugs at a standard pharmacy, but a $0 copay for preferred generic drugs through standard mail order. Once your total drug costs reach $2000, you enter the catastrophic coverage phase, where you pay nothing for covered Part D drugs. However, you may still have to pay for excluded drugs covered under any enhanced benefit.
Additional Benefits
The Zing Open Choice IN (PPO) plan provides coverage for a wide range of services with varying cost-sharing. You'll find no copays for primary care, preventive services, routine hearing and eye exams, eyewear, dental services, home health, and other services like over-the-counter items. This plan has copays for inpatient and outpatient services, specialist visits, and other services like ambulance, and diagnostic and radiological services. The plan offers specific benefits like hearing aids with a maximum benefit, and covers medical equipment, though some services may require prior authorization. While many services have no copay, you should be aware of copays for services like specialist visits, and the coinsurance for some services like ambulance and radiological services.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, with a copay of $339 for days 1-6 and no copay for days 7-90. Additional days for Inpatient Hospital-Acute are covered, but Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute are not covered, as are 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 $275 copay, observation services with a $220 copay, ambulatory surgical center services with a $175 copay, outpatient substance abuse services with no copay for both individual and group sessions, and outpatient blood services with no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the Zing Open Choice IN (PPO) plan, but requires prior authorization. You will pay a $70 copay for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the Zing Open Choice IN (PPO) plan. Ground Ambulance Services have a $250 copay, and Air Ambulance Services have a 20% coinsurance, while Transportation Services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered under the Zing Open Choice IN (PPO) plan. Emergency Services have a $110 copay, while Urgently Needed Services have a copay between $0 and $40. Worldwide Emergency Coverage and Worldwide Urgent Coverage have no copay, and Worldwide Emergency Transportation is not covered.
Primary Care See details
The Zing Open Choice IN (PPO) plan covers primary care physician services with no copay, and specialist services with a $30 copay. Chiropractic services have a $15 copay, while occupational therapy services have a $35 copay. Physical therapy and speech-language pathology services have a $35 copay. The plan also covers mental health and psychiatric services, as well as podiatry and telehealth services.
Preventive Services See details
Preventive services, including annual physical exams, are covered by the Zing Open Choice IN (PPO) plan. Annual physical exams have no copay.
Hearing Services See details
Hearing Services include hearing exams with a $40 copay, routine hearing exams with no copay, and fitting/evaluation for hearing aids with no copay. Prescription hearing aids are covered with a maximum plan benefit of $750 per ear every three years, while prescription hearing aids for inner ear, outer ear, and over the ear are not covered. OTC hearing aids are not covered.
Vision Services See details
Vision services include coverage for eye exams with a $40 copay, routine eye exams with no copay, and eyewear with no copay. Eyewear has a combined maximum plan benefit coverage of $300 per year for both in-network and out-of-network services, and upgrades are not covered.
Dental Services See details
Dental services are covered with no copay, up to a maximum of $1500 per year. Oral exams, dental x-rays, prophylaxis (cleaning), and fluoride treatments are covered with no copay. 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 by the Zing Open Choice IN (PPO) plan, with prior authorization required. Medicare Part B Insulin Drugs have a $35 copay and a coinsurance between 0% and 20%, while Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the Zing Open Choice IN (PPO) plan. The coinsurance for Dialysis Services is between 20% and 20%.
Medical Equipment See details
Medical Equipment, including Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment, is covered under the Zing Open Choice IN (PPO) plan. DME has a 20% coinsurance, and requires authorization, while Durable Medical Equipment for use outside the home is not covered; Prosthetics/Medical Supplies have a 20% coinsurance, and Diabetic Supplies have between 0% and 20% coinsurance.
Diagnostic and Radiological Services See details
The Zing Open Choice IN (PPO) plan covers diagnostic and radiological services. Diagnostic Procedures/Tests have a copay between $0 and $30, and Lab Services have no copay. Diagnostic Radiological Services have a copay between $50 and $150, while Therapeutic Radiological Services have a coinsurance of at least 20%. Outpatient X-Ray Services have a copay of $25.
Home Health Services See details
Home Health Services are covered by the Zing Open Choice IN (PPO) plan with no copay and no coinsurance. However, additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the Zing Open Choice IN (PPO) plan. Prior authorization is required for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered under the Zing Open Choice IN (PPO) 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 and non-Medicare-covered SNF stays are not covered.
Other Services See details
Other Services for the Zing Open Choice IN (PPO) plan covers over-the-counter items and a meal benefit with no copay. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, and many other services are not covered.
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