I don't understand why insurance would care how far you're willing to drive to see a provider, unless they think you'll not do enough preventative care if they're too far away. But insurance rarely makes sense to me anyway.

Depending on how you look at, I'm lucky that I've hit my yearly out of pocket max so I don't think I have to pay anymore copays this year. I guess my $10,000 hospital bill and subsequent $4,500 ER visit really put a dent in it.