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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 2026, 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. This plan received an overall rating of 3 out of 5 stars in 2026.
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:
Sign up for Zing Open Choice IN (PPO)
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Drug Coverage
The Zing Open Choice IN (PPO) Medicare prescription drug plan features a $0 drug deductible, meaning your coverage begins immediately with no out-of-pocket deductible to meet. Under this plan, you will pay no copay for Tier 1 preferred generic drugs at standard retail pharmacies or through standard mail order. For Tier 2 generic medications, there is also no copay for mail order prescriptions, while standard retail pharmacy copays range from $15 for a one-month supply to $45 for a three-month supply. Tier 3 preferred brand drugs require a $47 copay for a one-month supply, with standard mail order offering savings on three-month supplies at a $94 copay compared to $141 at retail pharmacies. For higher-tier medications, Tier 4 non-preferred drugs carry a 25% coinsurance for both retail and mail order, while Tier 5 specialty drugs require a 33% coinsurance for a one-month supply.
Additional Benefits
The Zing Open Choice IN (PPO) plan offers comprehensive healthcare coverage with no copay and no coinsurance for primary care, mental health, home health, and preventive services. For inpatient hospital stays, members pay a $339 daily copay for days one through six and no copay for days seven through 90. Outpatient hospital services require a $275 copay, while specialist visits have a $30 copay and emergency room visits carry a $110 copay. Additional benefits include dental coverage with no copay up to a $1,500 annual maximum, and vision benefits featuring a routine exam and up to $200 for eyewear with no copay. Hearing care includes routine exams at no copay and a $750 allowance per ear every three years for prescription hearing aids. Members also pay no copay and a 20% coinsurance for most durable medical equipment, alongside receiving a $120 allowance every three months for over-the-counter items.
Inpatient Hospital See details
Zing Open Choice IN (PPO) covers inpatient hospital services with no coinsurance and a daily copay of $339 for days 1 to 6 and no copay for days 7 to 90, subject to prior authorization. This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Zing Open Choice IN (PPO) covers outpatient services with no coinsurance, including a $275 copay for outpatient hospital services, a $220 copay per stay for observation services, and a $175 copay for ambulatory surgical center services. Outpatient substance abuse and blood services are fully covered with no copay and no coinsurance.
Partial Hospitalization See details
Zing Open Choice IN (PPO) covers partial hospitalization services with a $70.00 copay and no coinsurance. Prior authorization is required to receive this benefit.
Ambulance and Transportation Services See details
Zing Open Choice IN (PPO) covers ground ambulance services with a $250 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay, with prior authorization required for both. Transportation services to plan-approved or health-related locations are not covered under this plan.
Emergency Services See details
Zing Open Choice IN (PPO) covers emergency services with a $110 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require no copay to a $40 copay with no coinsurance, and worldwide emergency and urgent services are partially covered up to a $50,000 limit with no copays or coinsurance, though worldwide emergency transportation is not covered.
Primary Care See details
Zing Open Choice IN (PPO) covers primary care, mental health, and psychiatric services with no copay and no coinsurance. Specialist visits require a $30 copay, physical and occupational therapies require a $35 copay, and chiropractic services are not covered in practice, all with no coinsurance.
Preventive Services See details
Zing Open Choice IN (PPO) provides preventive services with no copay and no coinsurance for covered services like annual physical exams, kidney disease education, and remote access technologies. However, these benefits are only partially covered, as the plan does not cover health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, additional tobacco cessation counseling, enhanced disease management, telemonitoring, home and bathroom safety devices, or counseling.
Hearing Services See details
Hearing services are partially covered by Zing Open Choice IN (PPO), featuring Medicare-covered exams for a $40 copay and no coinsurance, alongside routine exams and fitting evaluations with no copay and no coinsurance. Prescription hearing aids are covered up to $750 per ear every three years with no copay or coinsurance, though OTC hearing aids and inner ear, outer ear, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
Zing Open Choice IN (PPO) provides partially covered vision services with no deductibles or coinsurance, featuring one annual routine eye exam and eyewear up to a $200 yearly limit with no copay. Other eye exam services and eyewear upgrades are not covered, while other covered eye exams require a $40 copay.
Dental Services See details
Dental services are partially covered under the Zing Open Choice IN (PPO) with no copay and no coinsurance up to an annual maximum of $1,500 for combined in- and out-of-network care. While cleanings, exams, and restorative services are covered, orthodontics, implants, maxillofacial prosthetics, and other diagnostic or preventive dental services are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by Zing Open Choice IN (PPO) with no copay, although prior authorization is 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 under the Zing Open Choice IN (PPO) plan with no copay and a 20% coinsurance.
Medical Equipment See details
Zing Open Choice IN (PPO) covers medical equipment, including durable medical equipment (DME), prosthetics, and diabetic supplies, with no copays for any of these services. Members will pay a 20% coinsurance for most equipment and supplies, while diabetic supplies range from no coinsurance up to 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by Zing Open Choice IN (PPO), with prior authorization required. Lab services feature no copay or coinsurance, diagnostic procedures have a $0 to $30 copay with no coinsurance, outpatient X-rays require a $25 copay, diagnostic radiology has a minimum $50 copay, and therapeutic radiology has a 20% coinsurance.
Home Health Services See details
Zing Open Choice IN (PPO) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Zing Open Choice IN (PPO) covers cardiac rehabilitation services with no copay and no coinsurance, though prior authorization is required. While some services are covered, specific sub-services including cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy for symptomatic peripheral artery disease are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by Zing Open Choice IN (PPO) with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. There is no copay for days 1 through 20 and a $214 daily copay for days 21 through 100 per stay, with no coverage for additional days beyond the Medicare limit.
Other Services See details
Other services are partially covered by Zing Open Choice IN (PPO), featuring no copay and no coinsurance for covered benefits, though acupuncture is not covered. Covered benefits include a meal benefit for chronic illness and up to $120 every three months for over-the-counter (OTC) items.
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