TPM - Thanks for helping clarify my question. I must admit I am not looking for individual situations, but rather was trying to get a feel for how the "average" program works. From the replies so far, there does not seem to be any "normal" or "standardized" program. As pointed out by several, it appears that the best approach is to aks each insitituion directly (so much for trying to get educated ahead of time).
Thanks for all the insights (out-of-state, out-of-network, submitting insurance cvoerage to the institution, etc.) and please continue to add as appropriate. Certainly not hoping anyone gets injured but I think this is a good discussion as it relates to choosing a school (or even skipping school for draft - Brady Aiken comes to mind).