One can choose to support the DAN organization via membership and purchase accident insurance from an underwriter not affiliated with DAN. Options include
DiveAssure which provides dedicated services for divers or something more like
Global Rescue which provides repatriation for travelers in conjunction with their own medical insurance.
DAN's insurance is secondary to your own medical coverage, pretty worthwhile if you have high deductibles or limited out of network coverage but might not be necessary for folks who dive locally and have really good medical insurance. For example I won't be traveling out of state this year, and as a Group Health subscriber I would normally receive inpatient care at Virgina Mason so a chamber ride wouldn't even be out of network.
It certainly behooves one to read the fine print about benefits and exclusions. For example DAN insurance won't pay for a medievac if it isn't arranged through their call center. If I get bent at Neah Bay, the local ems protocols are followed and I get flown to Seattle by Airlift NW, and nobody called DAN they probably won't pay. It still sucks if they have changed their language about what constitutes a dive accident though and I hope a little advocacy will get a more reasonable benefit restored.
"Just to be clear, doing the Diamond Knot requires at the minimum double IPAs to be DIR." - MattleyCrue
"Mmmm....... Oreos!
They didn't look too good when I was spitting in my mask for dive #2!" - cardiver