University of Illinois System

ACA-Eligible Program

"RSL BasicCare" is a limited benefit program offered to help meet federal Affordable Care Act (ACA) requirements. Employees will be sent an offer of coverage to their university email. The employee’s university email will be the primary method of plan communications.

RSL BasicCare is available to eligible employees* who are ineligible for the State of Illinois Employees Group Insurance Program (SEGIP) and who average 30 or more hours per week. Reliance Standard Life Insurance Company insures this program and it is administered by Mercer Health and Benefits. Employees will also receive emails regarding this plan from Mercer Health & Benefits to their university email address.

Medical Plan Options

The RSL BasicCare Program offers a two-part medical plan:

  1. Essential Plan: This plan is intended to provide minimum essential coverage (MEC) by covering the preventive services as required under ACA. It is intended to meet the IRS individual mandate requirement (i.e., your own individual obligation to carry health coverage).
  2. BasicAdvantage Total Plan: This is an optional limited medical plan, which pays a capped daily benefit for certain covered services. It is not a substitute for comprehensive health insurance, but rather is intended to provide a basic level of medical coverage.

Dental insurance, bundled life insurance and short-term disability plans are also available. Dependents may be enrolled in these plans, with the exception of the short-term disability plan.

RSL BasicCare is not intended to replace a comprehensive major medical health insurance plan. This coverage alone will not meet the health insurance minimum requirements for a J-1 Visa holder. If you already have other comprehensive health insurance coverage (including through SURS/TRAIL, SEGIP, the University’s Student Health Insurance Program, another employer plan, or a spouse’s/parent’s plan), then you should carefully consider this plan because you may not need this coverage.

Employee Premiums

For eligible employees who are offered and enroll in the two-part medical plan, the University will pay 100% of the monthly premium for your employee-only coverage.

You will be required to pay the full cost for any eligible dependents you wish to enroll, as well as the full cost of the monthly premiums for any dental insurance and any bundled life and short-term disability benefits that you elect for yourself or your eligible dependents.

2023 Employee Premiums
  Essential Plan BasicAdvantage Total Plan Premium Dental Plan Term Life/Short-term Disability
Employee Only $0.00 $0.00 $19.28 $18.42
Employee + Spouse $9.91 $56.71 N/A N/A
Employee + Child(ren) $36.12 $64.88 N/A N/A
Employee + Family $51.38 $120.57 $55.25 $19.28

These additional costs cannot be payroll deducted at this time. You will be billed by the University for any additional coverage. If you cancel or terminate coverage before the first day of the following month, coverage remains effective through the last day of the current month; premiums for current month will still be due. See University billing policy.

Coordination of Benefits with Existing Medical Plans

If you already have a comprehensive major medical plan (i.e., student insurance; State of Illinois Employees Group Insurance Program; SURS/TRAIL; or coverage under a spouse, parent, or other employer plan), then you must carefully consider whether you need this coverage. If you elect the Essential Plan, the BasicAdvantage Total Plan, or both, these plans would be primary payers above any other coverage you may have in place. Other plans already in place would provide secondary coverage.

If you already have other coverage and you elect to enroll in one or both of the RSL BasicCare plans, then you will have to work with your healthcare provider to determine the claims-filing process. In some instances, RSL may file a claim with the other carrier on your behalf. Or, you may be responsible for submitting the claim to the other carrier after RSL has processed your claim. If you already have major medical coverage, please review the details of how that plan pays when it is a secondary payer.

If you are a student who has health insurance coverage through the University’s Student Health Insurance Plan, or under your parent’s or spouse’s plan, then you may not want this coverage. This program is NOT a comparable substitute for the Student Health Insurance Plan.

Enroll Online

To Enroll in 2023 Benefits:

  1. Go to
  2. Select “Get Started” and follow the instructions provided to register.
  3. As part of the registration process, you will need to provide the last four digits of your Social Security Number (SSN), your last name, date of birth and zip code.
  4. Once the above information is verified, you will be prompted to send a verification code to either your email and/or phone number. You will then be able to complete the registration process by entering the code.
  5. Once the registration process is completed, click on the “Get Started” link and follow the on-line instructions to guide you through the benefit selection process.

Where to Go With Questions

Assistance with Online Enrollment

If you need assistance with online enrollment, call Mercer Health & Benefits Call Center at 855-978-2918, between 6:00 AM - 8:00 PM CST, Monday through Friday.

Self-service kiosks are available at University Payroll & Benefits (UPB) at:

  • UIC - 1st Floor, 809 S. Marshfield Ave, 312-996-7200
  • UIS - Room 85, Business Services Building, 217-206-7144
  • UIUC - Room 177, Henry Administration Building, 217-265-6363

RSL BasicCare Program Coverage and Details

Contact Mercer Health & Benefits Call Center at 855-978-2918, between 6:00 AM - 8:00 PM CST, Monday through Friday.

Employment status or program eligibility

If you have questions about your eligibility for RSL BasicCare, please contact your university's central Human Resources office or your university's Student Employment office.

Additional Resources

If you would like a paper copy of plan information, contact or 217-333-2600.



* Eligibility for RSL BasicCare coverage is contingent on continued employment. In the event of differences between communication sources and the official plan policies, the official plan policy documents will govern.