Why would you ever take any plan offered that's more than $233/month ($2800/year, deducible plus max out of pocket)? In fact why would SWAPA even allow those distraction plans in the contract?
No one has a lot of preventative care - by definition - it's preventative so you can't have a lot of it - in fact everyone probably has about the same based on age and if you choose to do it.
It sounds like an excellent plan but don't understand why SWAPA wouldn't just tell everyone to go RP and either ignore every other plan, or, better, don't even allow those other plans in the contract?