Student Health Services

Director: Karen S. Winters, MD
Information/Appointments: (314) 362-3523
Billing/Benefits: (314) 362-2346
For a complete description of benefits please visit the Student Health Services website.

The Student Health Service provides a complete service for full-time students registered in the School of Medicine. The WUSM Student Health Service provides preventative and therapeutic health benefits through a mandatory self-funded program of services available to all full time medical degree seeking students and their eligible dependents. The goal of the Student Health Service is to deliver efficient, accessible, high-quality essential medical care in order to prevent and treat health problems that may interfere with a student’s education and professional goals while attending WUSM. The Student Health Service is under the direction of Karen S. Winters, MD. Benefits provided through this service include: ambulatory patient services, emergency services, ambulance services, hospitalization, maternity and newborn care, on and off campus mental health, including behavioral health treatment, prescription drugs, allergy services, physical therapy services, dermatology services, rehabilitative and habilitative services and devices, laboratory service, x-rays, preventive and wellness services, and chronic disease management, vision and dental care, and pediatric services. Students also receive disability and life insurance. Most medical care will be provided at no cost, except for applicable deductibles or co-pays.

The Student Health Service is a multidisciplinary facility conveniently located on campus and dedicated to providing quality health care to WUSM students and their covered family members. The well-qualified staff consists of physicians, nurses, psychologists, and other medical support personnel. The Student Health Service offers easy access to medical and psychiatric care so that physical and emotional problems will not interfere with university life.

The Health Service is open Monday through Friday from 8:00 a.m. to 4:00 p.m. The Student Health Service is closed Saturday, Sundays and University holidays. Services are available by appointment at 4525 Scott Ave., Suite 3420. The Health Service offers an after-hour phone service monitored by Dr. Winters. Students may call 362-3526 after hours for non-urgent care.

There are no lifetime or annual limits on Essential Health Benefits that the Student or Covered Dependent may claim from Student Health Services. However, covered services that are Non-Essential Health Benefits are subject to a $2,000,000 per person annual benefit limit on all benefits covered by Student Health Services. Once you have reached the annual benefit limit, you will be responsible for 100% of all Non-Essential Health Benefits. The responsibility of the Student Health Service for hospitalization and emergency care will end 30 days after an individual ceases to be an officially enrolled student.

The Health Service pre-screens every incoming student prior to their arrival at the School to ensure all federal requirements have been met regarding communicable diseases. Entering students are required to have a medical examination and tuberculosis testing within one year of matriculation and to provide proof of immunity to measles (rubeola), rubella and mumps, varicella, hepatitis B and a tetanus-diphtheria (tdap at least one dose required since 2005). The Health Service tracks all immunizations during and prior to enrollment. Statements of Health for internships and practicums are provided.

Spouses, dependents

Students may enroll their eligible dependents in the Student Health Service by paying an additional Student Health Service access fee. Students may enroll dependents into this program only at the following times: At the time the student enrolls in WUSM (at student matriculation), or within thirty-one (31) days of a Qualifying Event. If a student elects to enroll his or her eligible dependents at matriculation, coverage for dependents will become effective on the same date the covered student’s benefits become effective, provided enrollment for the dependents occurs on or before the deadline. No enrollment for dependents is allowed after the deadline unless a Qualifying Event occurs. Dependent coverage terminates when the student’s coverage terminates or when the dependent no longer meets the definition of a Dependent as described above, if earlier.

Dental care

Benefits provided by Student Health Service for injury to a sound natural tooth only. Coverage for injury to a sound natural tooth is 100% of the first $300 of expenses, and 80% of the balance, not to exceed $1,000 as a result of any one accident. Student Health Services will provide a list of private dentists upon request.

In addition to the benefit provided by Student Health Service, all eligible full-time students registered in the medical and allied professional schools of the Medical Campus and their enrolled dependents will be covered by a prepaid dental plan through Assurant Employee Benefits Heritage. All full-time students are covered automatically, with the coverage premium paid for by WUSM Student Health Service. There are no enrollment forms for the student to complete. However, you will NOT officially have coverage until a participating dentist is selected. To select a participating dentist, you may call Assurant Customer Service at (800) 443-2995 or visit their web site at You must select a participating general dentist in Assurant’s Heritage network before you can use your benefits. This plan is available to your family members as well for the yearly premium; see Student Health Benefit office for details.

Counseling services

Students at the Medical Center may have concerns over poor concentration, ineffective study habits, anxiety over their performance, low self-esteem, relationships, grief or depression. The psychiatry and clinical psychology staff members are available to help students cope with these concerns. Initial evaluations are made at the Student Health Service. Subsequent care may be at the Medical Campus or a designated physician’s office. Call 362-3523 for more information. All records are confidential and may not be reviewed by anyone without the student’s written consent.

In addition, Student Health Service provides a Student Assistance Program (SAP) for all enrolled students and their immediate family members. This prepaid benefit is offered as a way to help our Students resolve issues that may have an impact upon their personal lives and their school performance.

The SAP provides confidential, professional assistance to full-time enrolled students and their family members to help resolve problems that are affecting their personal life or school performance. The program is managed by ENI, a nationally known professional consulting firm specializing in SAP services.

Students can contact ENI 24 hours a day, seven days a week to arrange a confidential appointment with an SAP specialist. SAP specialists have professional training and expertise in a wide range of issues such as academic problems, eating disorders, credit problems, adjusting to school, marriage and family problems, alcohol and drug abuse, emotional and psychological concerns, financial difficulties, stress and much more.

The SAP can be reached by calling (800) 327-2255 and selecting prompt #3.

Disability insurance

All students are covered by group disability insurance. A student who is completely disabled for six consecutive months is eligible to receive $500 per month benefit. Coverage increases to $1,500 per month in the third year. Individual disability policies are issued to fourth-year students, increasing the total monthly benefit to $2,000. Individual policies are portable, guaranteed issue and can be increased after graduation up to a maximum $4,700 per month benefit. Call 362-2346 for more information.

Life insurance

All eligible full-time students registered in the Washington University Medical School and allied professional schools are covered automatically, premium paid for by WUSM Student Health Service. An enrollment form listing your beneficiaries is required to complete enrollment. In brief, the term life insurance plan and AD&D plan for medical students and affiliated programs provided by Guardian is as follows: term life plan provides $10,000 of term life insurance and the AD&D plan $10,000 of accidental death and dismemberment protection. A detailed description of the plan is available at Student Health Services.

Upon graduation, you can convert the amount of your term life insurance to a participating whole life plan underwritten by Guardian.