get diving insurance of some kind.
Many, many, many standard healthcare plans DO NOT cover diving related accidents. They either:
a) do not consider them emergencies or
b) do not cover them because they consider diving a hazardous sport or
c) other reasons
Unless your policy SPECIFICALLY states that hyperbaric treatment/diving realted accidents are covered, then get DAN or similar. Even if your primary healthcare provider covers it, they won't cover it 100% more than likely. Diving insurance will pick up as a secondary and cover what your primary plan doesn't. It's a win win situation in my opinion. You can get a plan for as low as $60. Think about it, that's one two-tank dive...big deal!
In my opinion, if you cannot afford to insure yourself for $60 to $100 per year, then you should not be diving. That may sound harsh, but I have actually been there. Diving accidents happen...period. Can you really afford a medical bill of $800 per hour for hyperbaric treatment if something happens? That is about what it comes out to. And keep in mind that a minimum treatment is 2.5 hours.
Dive Assure is another option
www.diveassure.com They are also an excellent company and are right around the same price with higher coverage limits.
DAN is also a good choice for recreational divers.
PADI also has a policy.
I feel very strongly about this issue. I implore you to get diving insurance.
Dive safe!