<p>We had no problem with our health insurance working for our daughter, just interesting comparisons. The week before she went back to Swat her sophomore year, both of us had contact with a bat in our house (different bats) and had to take the series of rabies shots. My set cost $25,000 in the Midwest; hers cost $50,000 because the treatment was billed to the hospital emergency room (even though she walked through the ER to another area of the hospital) and was supposedly required by PA law to be done by a physician (no physician was present as far as she knew). Our insurance company did not bat an eye about paying off both claims.</p>