Health and Wellness in the U.S. | MCISA | Webster University

Health and Wellness in the U.S.

Review this quick video on the Health Care system in the United States. This video teaches international students how to prepare for their arrival in the US, how the US healthcare system works and how students should seek medical care appropriately if they become sick or injured. Click here for additional information.


Enrollment in the Student Health Insurance Plan

International students attending Webster University in the United States on an F1 or J1 visa are required to enroll in the Webster University student health insurance plan. Visit more information.

Health forms, health insurance documents and vaccination information are completed and submitted to the Student Health Services Department through the electronic patient portal.

Each student will be sent a health insurance ID card from the insurance company. Students should keep this card and carry it with them at all times. Contact the Student Health Insurance Coordinator if you have not received your health insurance card by emailing

If the student does not submit the required health insurance enrollment form the Coordinator will automatically enroll the student into the health insurance plan and a HOLD is applied to the student account. The HOLD prevents adjustment to current and future class schedules and remains on the account until the health insurance enrollment form is received.

Students attending Webster University in the United States under other visa status classifications may enroll in the student health insurance plan. We request students contact the Student Health Insurance Coordinator by email for further information at as some restrictions for enrollment in the plan may apply.

Login Instructions for Medicat

To log into the student portal for the Medicat is:

1) Visit the website -
2) Log into the site using your connections username and password. Do NOT use the portion of your email. Only use the first portion.
3) Once on the site follow the directions for the health packet

To get your insurance card and information:

1) Visit
2) Click on "Create Account" or if you have already created the account, log into the site.
3) On the site there are tabs for your Insurance ID Card that you may click on and download.
4) You may look through your insurance benefits.
5) You may locate a medical provider. 

Helpful Terms for Healthcare and Medical Insurance

Accident - an unexpected event or circumstance without deliberate intent.

Claim - a claim is a written request by the insured individual for payment by the insurance company for medical expenses that are covered under the insurance policy. Some health care providers may file a claim in the individual's behalf, but te contractual relationship always remains between the individual and the insurance company.

Coinsurance - A clause contained in most property insurance policies to encourage policy holders to carry a reasonable amount of insurance. If the insured fails to maintain the amount specified in the clause (Usually at least 80%), the insured shares a higher proportion of the loss. In medical insurance a percentage of each claim that the insured will bear.

Copayment or Copay - Copayment is the portion of a covered expense that must be paid by the insured individual each time the individual receives the medical service. The copayment may be a specific dollar amount or it may be expressed as a percentage of the covered amount.

Covered Expense (also called Covered Condition) - It is any expense for which complete or partial payment is provided under the insurance policy.

Deductible - The deductible is the initial portion of a covered expense that must be paid by the insured person before the insurance company pays its part of the expense.

Enrollment – The total number of plans, not the total number of covered lives, providing coverage to the enrollee and their dependents.

Fee for Service - The doctor, clinic, or other medical professional charges the individual a fee that must be paid in full at the time that the service is received.

In-network - MedIcal provider, including practitioners, clinics, and hospitals are considered "in-network" if they are members of an insurance company's preferred provider organization (PPO). In-network providers have agreed to provide care at special contracted rates to individuals insured under policies issued by that particular company.

Out-of-Network - Medical provider, including practitioners, clinics, and hospitals that are not members of an insurance company;s preferred provider organization (PPO). Out-of-network providers who are not under contact with the insurance company, so the cost of treatment fro them id often higher than the cost of treatment from in-network providers.

Out-of-Town Care - If you need medical care while away from home, you may have to go out of network, but some insurers will handle your visit to a non-participating provider as if it were in network. However, in-network providers may be available. If it's not an emergency, it's best to contact your insurer first to find out.

Policy Premium - The policy premium is the payment required for coverage under a specific insurance policy for a given period of tie. depending on the policy agreement, the premium may be paid by term or semester, monthly, quarterly, semiannually, or annually.

Urgent Care Center - An urgent care center is a walk-in clinic that is usually less expensive than a hospital emergency room, and often open later than the Student Health Services Clinic. Some urgent care centers are open 24 hours a day. No appointment is needed.

This document includes information adapted with permission from the following source:  "Medical Insurance: A Guide to Navigating Medical Insurance in the United States." NAFSA | Association of International Educators.

Wellness On Campus

Be sure to keep updated on events on campus that promote student wellness for the body, soul and mind.

Student Wellness Organizations

Active Minds - Our mission is to raise awareness about mental health, educate the Webster community about mental health, direct students towards mental health resources like Counseling and Life Development, and decrease the stigma around mental illness. Learn more here

I Belong Here Student Support Group helps the students that feel like they don't belong at Webster and connect them with others that shared that same feeling. Moving and cultural adjustment has it's challenges but you are not alone and YOU belong here. Learn more here

Viva The Yoga - This club was started by several active international students who wanted to find a way to share their passion for yoga and wellness! Follow this club on Facebook or Involved and keep updated on upcoming events!

Physical Wellness Resources

Intercollegiate Athletics

The Webster University award-winning intercollegiate athletics program is a competitive NCAA Division III program that sponsors the following varsity-level sports: women's cross country, track and field, soccer, volleyball, basketball, tennis, and softball; and men's cross country, track and field, soccer, basketball, baseball, tennis, and golf. These teams participate against other NCAA Division III institutions and also compete in St. Louis Intercollegiate Athletic Conference (SLIAC) championships. Webster University has won the SLIAC All-Sports Trophy in twelve of the last thirteen years as the top overall competitor in the conference. Participation is encouraged from full-time undergraduate students or graduate students who meet the eligibility requirements of the NCAA and Webster University.For more information, stop by Athletics on the lower level of the University Center or online at the Athletics Department website

Swimming Pool 

Located on the University Center lower level

The Webster University Swimming Pool provides lap swimming and water exercise space for all students, faculty and staff of Webster University free with a current ID. A lifeguard is on duty during all open hours to assist with check-in, equipment and other needs patrons may have.

Pool Phone Number: 314-246-7755 Pool Email: 

Fitness Center and Gymnasium 

Located on the University Center lower level

The Webster University Fitness Center and Gymnasium provide exercise space for all students, faculty, staff, and members of Webster University free with a current ID. A Fitness Center Attendant is available during all open hours to assist with check-in, equipment, and other needs.

Fitness Center Phone Number: 314-246-7727 Fitness Center Email: