Originally Posted by Sink r8

Thanks for the insight. I think I'm going to the DPMP. I don't think it will be the cheapest option, but it may be the option that lets me sleep best at night.

I do believe that there is still an "out-of-network" to the DPMP, but it has reasonable reimbursement, doesn't make you jump through the burden of establishing a separate deductible for out-of-network, and the deductible is manageable besides.