Originally Posted by
CX500T
One of the bigger things with DPMP (non HSA) vs HSA is there is only one out of pocket deductible/max.
Non DPMP (not sure on HD-DPMP) you have two separate in and out of network deductible pools.
That is one of the biggest reason to go with the DPMP - if you are in an area that has few/no in-network providers, or you are under the care of a specialist who is out of network. There is also always a risk that during the plan year your in network provider suddenly becomes out of network. If you are on the DP-HDHP or other HSA that would almost certainly necessitate a change of providers. On the DPMP not a thing changes for you.