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The health insurance verification process is part of becoming “move in ready” for residential students and part of the athletics pre-season clearance process. Students will be sent additional information on completing this process ahead of the semester deadline. 

Students that submit proof of their health insurance card are “WAIVING” ̨��Swag’s student health insurance plan. Health insurance coverage that is submitted must have an effective date that begins prior to the start of classes for the semester in which the student is enrolling. ̨��Swag partners with insurance broker Haylor, Freyer & Coon to review and verify each student’s health insurance coverage.

Students are not permitted to move into the residence halls and/or practice or play an NCAA sport until their health insurance has been verified.

• Student athletes: In addition to completing the insurance verification process outlined above, ALL student athletes must also submit proof of insurance to the athletics department through the Spry software system. A notification will be sent by the Athletics Compliance office indicating when the Spry systems is available. New student-athletes should refer to the "New Student-Athlete Guide" for instructions.

International students are required to enroll in ̨��Swag’s student health insurance plan or an approved plan through Gallagher as listed below. These plans are vetted and ensure that international students have essential* health insurance coverage while in the United States. Traveler’s insurance plans are not accepted by ̨��Swag. Students MUST be enrolled for the full academic year: 8/01/YY - 7/31/YY. 

Student athletes who receive athletic scholarship funds to cover health insurance will be required to enroll in the ̨��Swag Student Health Insurance Plan. 

• ̨��Swag Student Health Insurance Plan
  • To review plan options and enroll, visit
  • To enroll, select your academic status (undergraduate or graduate) and follow the enrollment steps

• Gallagher Plans (approved plans included below)  
  • Gallagher Essential 
  • Gallagher Bronze
  • Gallagher Silver
  • Gallagher Elite
  • Gallagher Sports Basic
  • Gallagher Sports Plus 

International Student Athletes are required to enroll in an insurance plan that provides comprehensive coverage in the Buffalo area. Students can select from The ̨��Swag Student Health Insurance Plan or the Gallagher Sports Basic or Gallagher Sports Plus. 

International Student Athletes who do not enroll in one of these plans could be subjected to out-of-pocket costs and risk not being covered by ̨��Swag's Secondary Sports Insurance.

• Review plans at 
  • New enrollees: complete the "Purchase a New Plan" process by entering your date of birth, school name and student category: "International Student" (applicable for most students) or "International Student Athlete" to review sport plans. Please note: you may need to switch between student categories to review all approved plans and make an informed decision. 
  • Important notes:
    • When reviewing plans, look at the deductible (preferred provider option): The amount of money that you must pay before your insurance plan will begin covering medical expenses. For example, if you select "preferred provider $500" you are responsible to pay $500 out of pocket (as you seek care) before insurance will start covering medical expenses. There will be at least 2 options for the deductible/preferred provider so please review to make an informed decision.
    • ̨��Swag does not have a student health center on campus. Therefore there are no costs "waived at the student health center." Students who need to see a provider can request transportation from Campus Safety to a local urgent care center within 1 mile of campus. Student athletes can also work with the athletic training team to connect with the team doctor for evaluation. 
• Select a plan and submit payment (due at the time of enrollment).
• Submit proof of insurance enrollment to the CHIP Center
  • Once you enroll, you will receive emails from Gallagher and United HealthCare. Please READ these emails, SAVE them and TAKE ACTION as outlined below: 
    • When you receive your Coverage Confirmation, send a copy to health@daemen.edu ASAP so the CHIP Center can verify your plan details. 
    • Student athletes must also submit a copy to the athletics department through the ARMS software system.
  • Temporary ID Card: save a photo to your phone and/or print a copy to keep on you until you can access your digital ID card. 
  • Digital ID Card: you will NOT be sent a physical ID card. To access a digital ID card to have on a smart device (or print a copy to have on your person):
    • Download UHC StudentResources App, available in the and on  and create an account once you enroll OR
    • Visit , login and download a copy of the card (available within 10 days of enrolling)
      • Once you get access to the digital ID card, submit a copy to the CHIP Center at daemen.edu/healthupload. Student athletes should also submit a copy to the athletics department through the ARMS software system.

̨��Swag’s student health insurance plan is through United Healthcare and is compliant with the Affordable Care Act, providing affordable, comprehensive insurance benefits with low prescription costs, telehealth & telecounseling services.

Any student taking 6 credits or more is eligible to enroll and eligible students who do enroll may also insure their dependents. To review the insurance plans and enroll, please visit  for plan highlights and an overview.

Students participating in the clinical portion of their academic program: Nursing, Physician Assistant, and Physical Therapy are required to have active health insurance that provides comprehensive coverage during the entirety of their clinical experience(s). For more information, students can visit daemen.edu/clinical.