I went to the health center yesterday for a strep test. Quick test was negative but the doctor and the nurse were both really grossed out by my tonsils so they sent off a sample to a lab for a throat culture. I had to call my health insurance company to get some information that was missing from my forms, and when I told the woman that I was at school in PA (my home state is MA), she said "well... your insurance policy only covers emergency care outside of New England."
Fortunately it's just a culture so it shouldn't be too expensive (and I'm actually hoping it comes back positive because otherwise they're going to test me for mono). But this was obviously something my family didn't even think to check when I enrolled in an out-of-state school, especially since the last time I was really sick was when I had the chicken pox in kindergarten (seriously, I've never even had the flu or anything in my entire life).
So the lesson here is, if you're going (or your kid is going) to an out-of-state school, make sure the insurance will cover out-of-state things like lab fees! Just another thing to double-check.