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 receive an offer of coverage by email and by letter to their home mailing address.

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.

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.

2022 Employee Premiums
  Essential Plan BasicAdvantage Total Plan Dental Plan Term Life/Short-term Disability
Employee Only $0.00 $0.00 $19.28 $18.42
Employee + Spouse $8.46 $56.72 N/A N/A
Employee + 1 Child $16.94 $25.57 N/A N/A
Employee + Children $35.57 $78.17 N/A N/A
Employee + Family $44.03 $120.55 $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

  1. Log into and enter the portal number 108287.
    • If experiencing a qualifying event or other changes, contact Mercer Health & Benefits at 888-201-2204.
  2. Enter your University ID number (your 9 digit UIN) and your password. Your password is your birth date in MMDD format. For example, if your birth date is April 11, your password would be 0411.
  3. Click "Create" to select a unique username and password and set up three (3) security questions. You will login with your own username and password moving forward.
  4. Review the benefit plan information on BeneDetails before making your choices.
  5. Proceed through "Enroll Now" to ENROLL in coverage.
  6. Under the Enroll Now header, click "Select Benefits". You will select "Newly Eligible" as your life event. You must review your Personal Information and enter/review any Dependent Information.
  7. Follow the on-screen instructions to guide you through the benefit selection process. You must click "Enroll" beside each coverage option and press "Continue" to move ahead.
  8. At the end, you will be asked to review and confirm your elections. You must click “Continue” on the Pre-Confirmation page to submit your elections. Please print the confirmation page and keep it in your records for future reference.

IMPORTANT: If you do not click “Continue” on the Pre-Confirmation page, then your elections will not be submitted and you will not have coverage!

Where to Go With Questions

Assistance with Online Enrollment

If you need assistance with online enrollment, call Mercer Health & Benefits Call Center at 888-201-2204, between 8:00 AM - 5:00 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 888-201-2204, between 8:00 AM - 5:00 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 (Enrollment Packet Materials)

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.