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Zing Open Choice Diabetes & Heart IN (PPO C-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Zing Open Choice Diabetes & Heart IN (PPO C-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Zing Open Choice Diabetes & Heart IN (PPO C-SNP) in 2026, please refer to our full plan details page.
Zing Open Choice Diabetes & Heart IN (PPO C-SNP) is a PPO C-SNP 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 Diabetes & Heart IN (PPO 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 Open Choice Diabetes & Heart IN (PPO 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 Open Choice Diabetes & Heart IN (PPO 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 Open Choice Diabetes & Heart IN (PPO 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 combined Maximum Out-Of-Pocket cost of $4950.00 (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 $4950.00 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 Diabetes & Heart IN (PPO C-SNP)
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Drug Coverage
The Zing Open Choice Diabetes & Heart IN (PPO C-SNP) features a $0 drug deductible, allowing your prescription coverage to begin immediately without any upfront out-of-pocket drug costs. You will enjoy no copay for Tier 1 (Preferred Generic) and Tier 6 (Select Care Drugs) prescriptions at both standard pharmacies and through standard mail order. For Tier 2 (Generic) drugs, there is also no copay when using standard mail order, while standard pharmacy fills cost a low $8.00 copay for a one-month supply. Tier 3 (Preferred Brand) medications have a $47.00 copay for a one-month supply at standard pharmacies or mail order, with mail order offering a cost-saving $94.00 copay for a three-month supply. Higher-tier prescriptions require coinsurance, with Tier 4 (Non-Preferred) drugs carrying a 25% coinsurance and Tier 5 (Specialty) drugs requiring a 33% coinsurance for a one-month supply. This plan provides highly competitive cost-sharing options, particularly for generic and select care maintenance medications.
Additional Benefits
The Zing Open Choice Diabetes & Heart IN (PPO C-SNP) offers robust coverage with no copays for primary care visits, preventive services, and routine lab work. Specialists and outpatient hospital services are highly affordable, with copays ranging from no copay up to $30 for specialists and a $125 copay for outpatient hospital services. For emergency care, there is a $110 copay which is waived upon hospital admission, while inpatient hospital stays require a $339 daily copay for the first six days and no copay thereafter. This plan also features valuable extra benefits, including dental care with no copays up to a $1,500 annual limit and routine vision exams with no copay alongside a $200 annual eyewear allowance. Routine hearing exams and hearing aids are covered with no copay, offering up to $750 per ear every three years. Additionally, members benefit from no copays on over-the-counter items up to a $60 maximum benefit every three months.
Inpatient Hospital See details
Zing Open Choice Diabetes & Heart IN (PPO C-SNP) covers inpatient hospital services with no coinsurance, requiring a $339 daily copay for days 1 through 6 and no copay for days 7 through 90 for both acute and psychiatric stays. Unlimited additional acute care days are covered with no copay, but upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Zing Open Choice Diabetes & Heart IN (PPO C-SNP) covers outpatient hospital services with a $125 copay and ambulatory surgical center services with a $50 copay, both with no coinsurance. Outpatient substance abuse and blood services are covered with no copay and no coinsurance, while observation services require a $90 copay per stay and no coinsurance.
Partial Hospitalization See details
Partial hospitalization services are covered by the Zing Open Choice Diabetes & Heart IN (PPO C-SNP) plan 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 Diabetes & Heart IN (PPO C-SNP) covers ground ambulance services with a $150 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay, both requiring prior authorization. While some transportation services are covered, trips to plan-approved or any health-related locations are not covered.
Emergency Services See details
Emergency services are covered by Zing Open Choice Diabetes & Heart IN (PPO C-SNP) with a $110 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services have a $0 to $10 copay with no coinsurance, and worldwide emergency and urgent care are partially covered with no copays or coinsurance up to a $100,000 limit, excluding worldwide emergency transportation.
Primary Care See details
Zing Open Choice Diabetes & Heart IN (PPO C-SNP) provides primary care, mental health, and psychiatric services with no copay and no coinsurance, while specialist visits and telehealth range from no copay to a $30 copay with no coinsurance. Physical, occupational, and speech therapies require a $20 copay, opioid treatment has a $30 copay, and podiatry ranges from no copay for routine care to a $20 copay, all with no coinsurance, while chiropractic services are not covered.
Preventive Services See details
Preventive services are covered by Zing Open Choice Diabetes & Heart IN (PPO C-SNP) with no copay and no coinsurance, including annual physical exams, kidney disease education, and select screenings. This benefit is partially covered as additional services like nutritional benefits, fitness, in-home support, and remote access have no copay or coinsurance, whereas health education, personal emergency response systems, weight management, and alternative therapies are not covered.
Hearing Services See details
Zing Open Choice Diabetes & Heart IN (PPO C-SNP) covers Medicare-covered hearing exams with a $45 copay and no coinsurance, while routine exams and hearing aid fittings are covered with no copay and no coinsurance. Prescription hearing aids are partially covered with no copay or coinsurance up to $750 per ear every three years, though inner ear, outer ear, over the ear, and OTC hearing aids are not covered.
Vision Services See details
Zing Open Choice Diabetes & Heart IN (PPO C-SNP) offers partially covered vision services with no deductibles or coinsurance, including one routine eye exam per year with no copay, though other eye exams are not covered. Covered eyewear also has no copay and features a $200 annual combined maximum for contacts or eyeglasses, but upgrades are not covered.
Dental Services See details
Zing Open Choice Diabetes & Heart IN (PPO C-SNP) offers partially covered dental services with no copay and no coinsurance up to a combined annual maximum of $1,500. While preventive and comprehensive services like exams, cleanings, and restorative care are covered, other diagnostic services, other preventive services, maxillofacial prosthetics, implants, and orthodontics are not covered.
Home Infusion bundled Services See details
Zing Open Choice Diabetes & Heart IN (PPO C-SNP) covers Home Infusion bundled Services with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other Part B drugs have no copay and coinsurance ranging from no coinsurance to 20%, while Part B insulin requires a $35 copay and coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis Services are covered under the Zing Open Choice Diabetes & Heart IN (PPO C-SNP) plan with no copay and a 20% coinsurance.
Medical Equipment See details
Zing Open Choice Diabetes & Heart IN (PPO C-SNP) covers medical equipment with no copays, though prior authorization is required. Durable medical equipment, prosthetics, and medical supplies carry a 20% coinsurance, while diabetic supplies range from no coinsurance up to 20% coinsurance, and diabetic therapeutic shoes or inserts have no coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by Zing Open Choice Diabetes & Heart IN (PPO C-SNP), with prior authorization required for all services. Diagnostic procedures and tests have no coinsurance and a copay of up to $25, lab and outpatient X-ray services have no copay, while diagnostic radiology carries a minimum $50 copay and therapeutic radiology requires a minimum 20% coinsurance.
Home Health Services See details
Zing Open Choice Diabetes & Heart IN (PPO 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 by Zing Open Choice Diabetes & Heart IN (PPO C-SNP) with no copay and no coinsurance, although 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 in practice.
Skilled Nursing Facility (SNF) See details
Zing Open Choice Diabetes & Heart IN (PPO C-SNP) covers Skilled Nursing Facility (SNF) services 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, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other Services are partially covered by the Zing Open Choice Diabetes & Heart IN (PPO C-SNP) plan, which excludes acupuncture but offers over-the-counter (OTC) items and chronic illness meal benefits. Both covered benefits feature no copay and no coinsurance, with OTC items limited to a $60 maximum benefit every three months.
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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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