We just heard from the travel office at our health clinic. Our policy doesn't cover travel, so it will all have to be paid for out of pocket. They said they wanted to consult with #1 first, for $50, to see what they feel she needs. We already know what the Church feels is prudent, but the insurance company may add on their own--fun, fun, fun! She may end with gamma globulin after all, YIKES!