What's more painful than enduring several rounds of travel immunizations?Feeling the pinch once the bill arrives. (Some shots can run as high as $145.) Few insurance companies cover the costs of these inoculations, yet protecting yourself against a disease like hepatitis A is non-negotiable. Many public health departments, such as the following three, offer discount vaccinations: Howell County Health Department (West Plains, Mo.; 417/256-7078) provides hepatitis A and B, measles-mumps-rubella, and tetanus-diphtheria free of charge; meningitis shots cost $70. Norwalk Department of Health (Norwalk, Conn.; 203/854-7937) offers hepatitis A and B, measles-mumps-rubella, meningitis, pneumonia, polio, rabies, tetanus-diphtheria, typhoid, and yellow fever; shots are at cost, plus a $15 session fee. Long Beach Department of Health & Human Services (Long Beach, Calif.; 562/570-4222) offers hepatitis A and B, Japanese encephalitis, meningitis, polio, rabies, tetanus-diphtheria, typhoid, and yellow fever, for a $30 fee plus the cost of the shots. To find clinics in your area, contact the Centers for Disease Control and Prevention (800/232-2522; www.cdc.gov/travel/travel_clinics.htm).