Not every situation is the same and the DDP does and can save people money over paying OOP. The DDP being a good deal or not being a good deal is not a cut and dry issue. As a pp said, everyone should look at how they normally eat and run the numbers of paying OOP vs the DDP and see which is the better way to go. Getting gift cards for meals is a way of "pre-paying" just like using the DDP, but that is not always the best route to go for every family. What works for some people won't work for others.