Doesn't matter if you have Dan insurance or not your primary will pay the bill, Dan is a secondary insurance and only pays the deductible.
I don't believe it's quite that simple at all, CaptJT.
1. Some primary medical insurance policies may exclude scuba diving as a hazardous recreational activity, or pay only a minimal amount for chamber treatment. This is not to mention that some policies may not cover dive accidents that occur outside of your geographical region, and especially outside of the country. And, even when covered, dive accident expenses incurred in a foreign venue will only be reimbursed, not paid up front (See post #10 in this recent forum thread-->
http://www.scubaboard.com/forums/diving-medicine/470206-dcs-treatment-obama-care.html).
2. Although DAN does bill its dive accident plans as secondary, functionally DAN accident insurance is only "secondary" when one has a "primary" health policy. If you are one of the alarming many who does not have primary medical coverage, your DAN policy essentially is "primary" as far as dive accidents are concerned.
3. The semantics in #2 above aside, even if one has true primary coverage, DAN policies don't just pay "the deductible". In short, DAN plans pay up to 100% of reasonable & customary costs of all remaining eligible expenses after any other medical coverage one may have has made good on its obligations, This includes co-pays, shortfalls in payment of the full charges for chamber treatment, the potentialy astronomical expenses of air evaluation to appropriate medical/hyperbaric facilities, etc.
Regards,
DocVikingo
"Make everything as simple as possible, but not simpler." - Albert Einstein