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Zing Open Choice TN (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Zing Open Choice TN (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 TN (PPO) in 2026, please refer to our full plan details page.
Zing Open Choice TN (PPO) is a PPO plan offered by Zing Health Consolidator, Inc available for enrollment in 2025 to people living in Memphis-Delta and Nashville. This plan received an overall rating of 3 out of 5 stars in 2026.
It's important to know that Zing Open Choice TN (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 TN (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 TN (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 TN (PPO) Medicare plan features no 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 filled via standard mail order, 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 a three-month supply for $94. For higher-tier medications, Tier 4 non-preferred drugs carry a 25% coinsurance for both retail and mail order. Tier 5 specialty tier drugs require a 33% coinsurance for a one-month supply at standard pharmacies and mail order.
Additional Benefits
Zing Open Choice TN (PPO) offers robust medical coverage featuring no copay for primary care visits, preventive services, and routine laboratory diagnostics. Specialist visits require a $30 copay, while inpatient hospital stays incur a $339 daily copay for the first six days followed by no copay for remaining covered days. Outpatient hospital services and emergency room visits are also covered with fixed copays of $275 and $110 respectively, with no coinsurance required for these essential services. The plan also provides valuable supplemental benefits, including dental care with no copay up to a $2,000 annual maximum and routine vision and hearing exams with no copay. Members also benefit from a $150 quarterly over-the-counter item allowance and up to $750 per ear for hearing aids every three years. Durable medical equipment and dialysis services are covered with no copay and a standard 20% coinsurance.
Inpatient Hospital See details
Zing Open Choice TN (PPO) partially covers inpatient hospital services with no coinsurance, requiring a $339 daily copay for days 1 to 6 and no copay for days 7 to 90 for covered acute and psychiatric stays. Unlimited additional acute care days are covered at no copay, but non-Medicare-covered stays, hospital upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
Zing Open Choice TN (PPO) covers outpatient services with no coinsurance, featuring 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 sessions and outpatient blood services are covered with no copay and no coinsurance, with no deductible required for blood services.
Partial Hospitalization See details
Zing Open Choice TN (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 TN (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. Routine transportation services to plan-approved or any other health-related locations are not covered under this plan.
Emergency Services See details
Zing Open Choice TN (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 are covered with a copay ranging from no copay to $45 and no coinsurance, while worldwide emergency and urgent services are covered up to a $50,000 maximum with no copay or coinsurance, excluding worldwide emergency transportation which is not covered.
Primary Care See details
Zing Open Choice TN (PPO) covers primary care visits and mental health services with no copay and no coinsurance, while specialist visits require a $30 copay and physical, occupational, and speech therapies require a $35 copay with no coinsurance. Opioid treatment has a $40 copay with no coinsurance, podiatry services range from no copay to a $35 copay with no coinsurance, and chiropractic services are not covered in practice.
Preventive Services See details
Zing Open Choice TN (PPO) provides partially covered preventive services with no copay and no coinsurance for covered benefits, including annual physical exams, kidney disease education, glaucoma screenings, and select fitness and remote access technologies. However, several supplemental services are not covered, such as health education, personal emergency response systems, medical nutrition therapy, weight management, and in-home support.
Hearing Services See details
Zing Open Choice TN (PPO) covers routine hearing exams and fitting evaluations with no copay, no coinsurance, and no deductible, while Medicare-covered exams require a $40 copay and no coinsurance. Prescription hearing aids are partially covered with no copay or coinsurance up to $750 per ear every three years, though OTC, inner ear, outer ear, and over-the-ear hearing aids are not covered.
Vision Services See details
Zing Open Choice TN (PPO) provides partially covered vision services with no coinsurance, offering one routine eye exam per year with no copay, while other eye exam services and eyewear upgrades are not covered. Covered eyewear, including contact lenses and eyeglasses, has no copay and is subject to a combined maximum benefit of $200 per year.
Dental Services See details
Zing Open Choice TN (PPO) partially covers dental services with no copay and no coinsurance, up to an annual maximum of $2,000 for both in-network and out-of-network care. Covered services include preventive care, cleanings, and various restorative treatments, while other diagnostic dental services, other preventive dental services, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Zing Open Choice TN (PPO) covers home infusion bundled services with no copay, though prior authorization and step therapy apply. Under this plan, Medicare Part B chemotherapy, radiation, and other drugs carry no copay and a coinsurance ranging from no coinsurance to 20%, while Medicare Part B insulin requires a $35 copay and a coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Zing Open Choice TN (PPO) covers dialysis services with no copay and a 20% coinsurance.
Medical Equipment See details
Zing Open Choice TN (PPO) covers medical equipment, including durable medical equipment, prosthetics, and diabetic supplies, with no copay and a prior authorization requirement. While most covered equipment and supplies require a 20% coinsurance, diabetic supplies range from no coinsurance up to a 20% coinsurance.
Diagnostic and Radiological Services See details
Zing Open Choice TN (PPO) covers diagnostic procedures and lab services with no copay and no coinsurance. For radiological services, there is a minimum $50 copay for diagnostic radiology, a $15 copay for outpatient X-rays, and a minimum 20% coinsurance for therapeutic radiology.
Home Health Services See details
Home Health Services are covered under the Zing Open Choice TN (PPO) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Zing Open Choice TN (PPO) does not cover Cardiac Rehabilitation Services, including intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services.
Skilled Nursing Facility (SNF) See details
Zing Open Choice TN (PPO) partially covers Skilled Nursing Facility (SNF) services, as additional days beyond the Medicare-covered limit are not covered. Stays require prior authorization and have no coinsurance, with no copay for days 1 through 20 and a $214 daily copay for days 21 through 100.
Other Services See details
Zing Open Choice TN (PPO) partially covers other services with no copay and no coinsurance, offering a chronic illness meal benefit and a $150 quarterly over-the-counter item allowance. Acupuncture and other additional services under this benefit category are not covered.
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