Another overlooked thing is that the main purpose of insurance is to cover the unexpected. While DPMP is better for known out of network, many may think that can't apply to them because they're in network. Until they're not...even when you think you're in network you can be out of network. We've all heard the horror stories of stereotypical out of network anesthesiologists slamming people with life wrecking bills. Medical billing is a swamp so murky people go to school just to learn how to do it.

Us thinking we can always navigate all that by reading a leaflet once a year and then trusting "the system" to be honest, forthright and transparent is like flying VFR solo cross country with foggles on. It always works out. Until that one time it doesn't.