Originally Posted by NuGuy

Both the DPMP and the HD-DPMP are the contractual plans, which means that there are avenues to appeal any decisions you don't like.

I've found the DPMP is generally low hassle. The key to understanding its advantage is that both in-network and out of network costs apply to the same limit bucket (deductible and OOP Max) versus separate buckets. This you have considerable freedom to go see who you want to see and make your own medical choices.

I've received considerably less pushback from providers when they see it's a PPO vs a HSA plan.