Helpful hint: If you're a commuter student, never use student health insurance.
According to my insurance provider, since I'm on student insurance, I have to use the student health center for my primary physician. It doesn't matter that it's an hour away. It doesn't matter that I live 15 min. from my physician. Oh, I can still see him if I want, but I have to have a referral from the student health center. No referral? $50 fine from the insurance company.
This, of course, screws over commuter students. I'm trying to figure out what I'm going to do about this. In the meantime, like I said: If you're a commuter student, never use the student health insurance.