Thanks E-B -- Yeah, I am a bit of an insensitive jerk about the drive when I know that plenty of folks, esp in rural areas, have to go a long way to see a provider. My in-laws go 3 hr for a decent hospital. Since I live in a busy, populated area it's counter-intuitive to have a stress-filled hour long drive in traffic for a 45 min therapy appt. followed by another hour in traffic. There are likely 30 providers within 1 mile of my home, both adult and child therapists (but I can't use them because they are not in the HMO).
But, since it's an HMO, I'd have to find all new doctors for my whole family if I switch. ANd I'd have to wait until open season.

A letter might increase the odds of getting more mental health care at a close by medical center. Having NONE is so silly, I wish that the medical care and mental health care providers worked side-by-side.