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In my daughter's case, the study she is in pays for her transportation to and from NIH. All the care she receives there is also covered by the study (our health insurance is not involved). We have sometimes stayed in hotels in the Bethesda area, but lately have been able to stay at the Children's Inn, a part of the NIH campus. There is also a lodge for adult patients, but I'm not sure of the criteria for being able to stay there as opposed to providing your own lodging.
Again - NIH is a great option for some, depending on your exact medical situation. Other centers of excellence would be more appropriate for others.
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