2005 Annual Enrollment Newsletter
October 11, 2004
Table of Contents
What’s Changing for 2005
Page 2
What Else You Need to Know
Page 9
Your Health. It Matters.
Page 14
Reminders
Page 15
Taking Action
Page 17
Information Resources
Page 19
Your Rights
Page 21
1
What’s Changing for 2005
Welcome to Unisys 2005 Benefits Annual Enrollment! This 2005 Annual Enrollment
Newsletter highlights everything you need to know about Annual Enrollment.
This section provides you with an overview of changes you need to be aware of
for 2005.
Medical Plan Changes
Aetna PPO Options Renamed the Aetna Choice POS II Options
In-Network Areas Expanded for the Aetna Choice POS II Options
(currently known as the PPO options)
Discontinued Medical Plans
UnitedHealthcare EPO Plan
Additional Flexibility with HealthPartners®
Your Medical Election at Retirement
Long-Term Disability (LTD) Improvements
LTD Contributions Reduced
LTD Tax Status Based on When Your Disability Starts
Health Care Flexible Spending Account (FSA) Limit Increased
Vision Plan Changes
Retail Frame Allowance Increase
New Partner for Laser Vision Correction
Contribution Changes
The LTD contribution change, beneficiary designation, and the YBR Web site sections of
this Newsletter are the only sections that apply to employees in Puerto Rico.
The information in this Newsletter, together with the Health and Welfare summary plan
description (SPD), the plan change summaries for 1998 to 2000, and the Annual
Enrollment Newsletters for 2001 to 2004, serve as the plan document and summary plan
description for the Health and Welfare benefits available to eligible U.S. employees. The
terms of the plans remain in full force and effect, except for the changes described in this
Newsletter. All of these documents are available on the Unisys U.S. Benefits Web site
(User ID: Unisys; Password: usbenefits).
2
Medical Plan Changes
Aetna PPO Options Renamed the Aetna Choice POS II Options
The current Aetna Preferred Provider Organization (PPO) Option One and Option Two
will be renamed Aetna Choice Point of Service (POS) II – Option One and Option Two
as noted below:
Option Name in 2004
Aetna PPO Option One
Aetna PPO Option Two
Option Name in 2005
Deductible and InNetwork Coinsurance
Remain Unchanged
Aetna Choice POS II
Option One
$1,000 individual
$2,000 family deductible
Aetna Choice POS II
Option Two
70%/30% coinsurance
$250 individual
$500 family deductible
80%/20% coinsurance
The name change is necessary in order for you and the Plan to take advantage of
deeper discounts from network providers.
All participants in the Aetna Choice POS II options for 2005 will receive new medical ID
cards in late December.
While the option names are changing, for the most part, the benefits and the way the
Plan works will remain unchanged. The minor exceptions are the following
improvements when you use network providers:


Outpatient allergy testing and shots provided by office staff will be subject to the
office visit copay, if any (versus deductible and coinsurance, as it is today)
In-office surgery will be subject to the office visit copay (versus deductible and
coinsurance, as it is today)
The Aetna Choice POS II options continue to retain the same features and benefit levels
as previously enjoyed under the Aetna PPO options:



No Primary Care Physician (PCP) designation is required.
This is an open access plan -- this means that you do not need a referral to
obtain covered services from any network provider.
You still may use a provider that is outside of the network, and benefits will still
be payable but at a lower level than would be paid if you used a network
provider.
If you participate in the Aetna PPO Option One or the Aetna PPO Option Two in 2004
and do not take any action before your Annual Enrollment deadline for 2005, your
coverage will default into the equivalent Aetna Choice POS II option with the same
eligible family members that you are currently covering effective January 1, 2005. You
will not be allowed to change your medical option until 2006, unless you experience a
qualified life event that allows for a mid-year change.
3
In-Network Areas Expanded for the POS Plans
The new Aetna Choice POS II options (currently known as the PPO options) have
significantly expanded service areas for 2005 in Georgia, Illinois, Indiana, Michigan,
Minnesota, Montana, North Carolina, Oregon, South Dakota, and Texas. There are also
some relatively minor expanded service areas in a number of other states.
Check your Annual Enrollment options on YBR to see if your home ZIP code is in the
network or not for 2005. The plan name will include a notation to indicate if your home
ZIP code IS IN network or NOT IN network. The benefits you receive will be 20% lower
if you fail to use network providers and you either live in or receive your care in a
network ZIP code area.
Discontinued Medical Plans
As a result of the ongoing review of medical plans offered by Unisys, and as announced
last year, PacifiCare of Colorado and PacifiCare of Oregon will be eliminated in 2005
due to high cost and relatively low enrollment. Capital District Physician’s Health Plan is
also being eliminated as of January 1, 2005 because the plan would not renew with
Unisys.
If you are currently in one of the plans no longer being offered as of January 1, 2005,
other medical options are available and should be reviewed as you consider your
elections for 2005.
PLANS NO
LONGER
OFFERED
AS OF
JANUARY
1, 2005
Capital
District
Physician’s
Health Plan
(NY)
POSSIBLE ALTERNATIVES FOR 2005
Harvard
Pilgrim
MVP
Aetna
HMO



Kaiser
Colorado
PacifiCare
(CO)

PacifiCare
(OR)
UnitedHealthcare
EPO
(for retirees,
pre-Medicare
only)
Kaiser
Northwest



Aetna
Choice
POS II
Option
One
Aetna
Choice
POS II
Option
Two






If you do not make a new medical election before your Annual Enrollment deadline, you
will default into the Aetna Choice POS II Option Two with the same eligible family
members that you are currently covering, effective January 1, 2005. You will not be
allowed to change your medical option until 2006, unless you experience a qualified life
event that allows for a mid-year change.
UnitedHealthcare EPO Plan
The UnitedHealthcare EPO plan will be offered in many locations in Nebraska for the
4
first time, effective January 1, 2005. To find out plan details and/or if you are eligible to
enroll, log on to the YBR Web site.
If you participate in any of the United Healthcare EPO options for 2005, you will receive
two sets of new ID cards.
Additional Flexibility with HealthPartners®
HealthPartners recently announced that their primary clinics will be easier to use
by reducing the need for referrals for most specialty care, effective October 1,
2004. If eligible, you can go to any specialist in the plan’s network - not just
those designated by your care network - without a referral. Materials explaining
the changes and who is eligible are available through your primary clinic.
Your Medical Election at Retirement
To allow for a broader range of choices for post-employment medical coverages, Unisys
approached the HMOs offered through the company to request more liberal enrollment
guidelines. We are pleased to announce that beginning January 1, 2005, many HMOs
have agreed to allow retirees to join their plan at retirement, even though they may not
have participated in the plan while active employees.
If you are considering retiring in 2005, you are urged to plan ahead to be sure that the
medical plan you want will be available to you as a post-retirement alternative. Please
access YBR and review which plans may be available to you by referencing the table on
the Retiree Medical Overview page. Be sure to look at the rules that apply to enrollment
in the plan, since some HMOs continue to require that you be a member while you are
still an active employee in order to participate as a retiree (or eligible former employee),
some accept only members not eligible for Medicare, and some do not accept retirees at
all.
To find out more, go to the YBR Web site, to view which plans are available to you if you
retire in 2005. You can use the online modeling tools to compare your choices.
Long-Term Disability (LTD) Improvements
LTD Contributions Reduced*
The LTD Plan will be more affordable in 2005. The 2005 contribution rate for the LTD
Plan for all employees will be reduced by $.06 per $100 of pay. This benefits you if you
are already participating in the LTD Plan or if you elect to begin participating as of
January 1, 2005.
*Also applies to employees in Puerto Rico.
LTD Tax Status Based on When Your Disability Starts
You have a choice of having your LTD contribution deducted on a pre- or post-tax basis.
As of January 1, 2005, the tax status of your LTD benefit payment will be based on the
5
tax status in force at the time your disability starts. If you choose to pay for LTD
coverage on a pre-tax basis in 2005 and you become disabled in 2005, your LTD benefit
will be taxable, even if your first LTD payment begins in 2006. If you choose to pay for
LTD coverage on a post-tax basis in 2005 and you become disabled in 2005, your LTD
benefit will not be taxable (for federal income tax purposes), even if your first LTD
payment begins in 2006. This new ruling applies to all future disability claims regardless
of how your contributions were paid in the past.
Log on to the YBR Web site for more information about LTD and your contribution
options for 2005.
Health Care Flexible Spending Account Limit
Increased
To expand your opportunities for reimbursement of eligible healthcare expenses on a
pre-tax basis, the maximum amount that you can contribute to the Health Care Flexible
Spending Account (FSA) is increasing.
Health Care Flexible
Spending Account
2004 Maximum
$3,000
2005 Maximum
$5,000
Please remember the following in regard to your participation in the FSA:
If you fail to make an election before the Annual Enrollment deadline, your 2004
election amount will be assumed for 2005. You will not be allowed to change that
amount until 2006, unless you experience a qualified life event that allows for midyear changes.
Any 2005 contributions not used by December 31, 2005 will be forfeited, so be
sure to plan carefully.
There is no change in the Dependent Care FSA maximum. It remains at $5,000 per year
for any day-care expenses as defined under IRS guidelines.
Log on to the YBR Web site for more information about the Health Care FSA offered
through Unisys for 2005. Tools to help you project your healthcare and dependent care
expenses are available in the Decision Tool Kit on the Annual Enrollment page.
6
Vision Plan Changes
The Vision Plan provider – Spectera – has announced two changes to the Plan.
Retail Frame Allowance Increase
The retail frame allowance will be increased from $120 to $130, effective January 1,
2005. The wholesale frame allowance of $50 (approximate retail value of $120 to $150)
will continue for private providers who use Crown Optical Laboratory.
New Partner for Laser Vision Correction
The Laser Vision Correction (LASIK) partner has been changed to Laser Vision Network
of America (LVNA), effective July 1, 2004. LVNA is one of the largest LASIK networks in
the United States. You can still receive the same discounts on LASIK through LVNA
that were previously available through Spectera. The plan allows for 15% off usual and
customary prices for LASIK, or 5% off a promotional price. And, the discount is applied
to costs that are already below the national average.
Note that Spectera’s prior LASIK partner, TLCVision, has agreed to continue to service
existing members through June 30, 2005. If you already have started treatments
through TLCVision, you should continue to receive discounted services through mid2005.
Log on to the YBR Web site for more information about the vision plan offered through
Unisys.
Contribution Changes
Unisys continues to look for ways to minimize the cost of healthcare benefits for
employees while managing increasing healthcare costs. Although plan costs have
increased, Unisys is absorbing a portion of the increase to keep your contribution
increase minimal. Read on for additional details about how different benefits are
affected.
Slight Increase in Contributions for the Dental Plan, the Vision Plan
and Select HMOs
Due to plan cost increases, there will be slight increases in the contribution rates for the
Dental Plan, Vision Plan and select HMOs offered through Unisys in 2005.
There will be no increase in contributions from the 2004 Aetna PPO – Option One and
Option Two contribution rates to the 2005 Aetna Choice POS II – Option One and Option
Two plans. In addition, some HMO contribution rates are not increasing for 2005.
You can model your contribution rates for your 2005 health/insurance benefits plans by
logging on to the YBR Web site. Select Compare Your Medical Options, Compare Your
Dental Options or Compare Your Vision Options.
7
Long-Term Disability Contribution Reduced
The good news is that there will be a reduction in the contribution rate for Long-Term
Disability.
Your HMO May Cost You More Than Another HMO Available to You
You may be able to save money on your medical benefits in 2005. Some HMO plans
already cost employees more than other medical plans being offered by Unisys. Each
fully-insured HMO plan dictates the rate they charge Unisys each year and some of the
HMOs we offer lead the market with the highest costs. These relatively high-cost plans
are assigned the highest contributions. With this said, the highest HMO contributions
are not increasing for 2005, when compared to 2004.
The HMOs with the highest contributions for 2005 are:
Cimarron
Harvard Pilgrim
Keystone East
MVP – NY
MVP – VT
Optima
Optimum Choice
Physicians’ Health Plan - MI
It is possible that another medical plan offered through Unisys in your area will cost you
less while still providing the benefits and features you need. The Health Plan
Comparison feature available on the YBR Web site during Annual Enrollment can help
you see how your current plan measures up against other options available to you.
Participants in Coventry (IA) HMO will see a reduction in contributions for 2005 because
the HMO no longer ranks among the highest cost HMOs.
Log on to the YBR Web site for more information about the medical plans offered
through Unisys for 2005 and to view 2005 contributions.
8
What Else You Need to Know
There are several important facts and features you should be aware of before you make
your Annual Enrollment elections.
Annual Enrollment Using the Your Benefits ResourcesTM (YBR) Web
Site
Preview Window Available on YBR Before Annual Enrollment Begins.
Beneficiary Designations
Online Beneficiary Designation Capabilities
Alternative Care
UnitedHealth AlliesSM Health Values Program From UnitedHealthcare
Alternative Health Care Programs From Aetna
Aetna NavigatorTM Guest Access
Be a Guest on the Aetna Navigator Web Site
Short-Term Disability
Short-Term Disability (STD) Clarification
The LTD contribution change, beneficiary designation, and the YBR Web site sections of
this Newsletter are the only sections that apply to employees in Puerto Rico.
9
Annual Enrollment Using the Your Benefits
ResourcesTM (YBR) Web Site
The Your Benefits ResourcesTM (YBR) Web site has everything you need to make
changes, view covered dependents, compare plans, and view contribution rates.
You can find the following tools on the YBR Web site Annual Enrollment home page:






Online Reference Guide - See information about different types of plans offered
to you by Unisys.
Coverage as of Today for You and Your Dependents - View current coverage
for you and your dependents.
Find a Provider - See detailed information about physicians associated with the
plans available to you.
Compare Hospital Quality and Doctor Profiles - Compare the ratings of
hospitals and doctors in your area.
Compare Your Medical Options - Determine which plan is right for you by
comparing the plans available to you. This tool will allow you to review expanded
summaries of each plan, including copays, and major plan design features, as
well as contributions. You can also compare your 2004 plan with your 2005
options.
Estimate Your Flexible Spending Accounts (FSAs) - This may help you
determine if participating in the Health Care FSA and/or Dependent Care FSA is
right for you and how much you may want to elect for 2005.
Preview Window Available on YBR Before Annual Enrollment Begins*
Preview your options on the YBR Web site before Annual Enrollment begins. The
preview window will be available from October 11 through October 17, 2004. By going
to the YBR Web site during the preview window, you can check annual contributions and
model your options for 2005. Please note that you will not be able to submit changes
during this preview window.
To preview your 2005 benefits options, log on to the YBR Web site.
*Applies to employees in Puerto Rico.
Beneficiary Designations
Online Beneficiary Designation Capabilities
If you have not yet taken advantage of the new and easy ways to update your
beneficiary information for the Unisys plans in which you participate, you are encouraged
to do so now. If you previously signed paper beneficiary designations, they are on file,
archived at Unisys, and are still valid unless superseded by an on-line update. Not sure
if you did file a paper designation? Or, not sure who is on the paper designation? The
best thing to do is to forget the paper and go online now to indicate who you want your
beneficiaries to be. The new online designations allow you to more readily review your
designations and update them as your personal circumstances change. You won’t need
to wonder about who you named or search for your beneficiary paper again!
10
On the YBR Web site you may designate a beneficiary for the following programs. You
may also call the Unisys Benefits Service Center (UBSC) at 1-877-864-7972 to update
your Beneficiary Designation.
Company-Provided Life Insurance
Business Travel Accident and Seat Belt Insurance*
Unisys Pension Plan (UPP) - including: Retirement Accumulation
Account*
UPP Death Benefit (the death benefit applies if over age 55 and more
than 10 years of service)*
On the Fidelity NetBenefits® Web site you may designate a beneficiary for the Unisys
401(k) Savings Plan. These designations are maintained separately at Fidelity
Investments. You may also call the Unisys Savings Plan at 1-800-600-4015 to update
your Beneficiary Designation.*
For the Group Universal Life plan (GULP), if you participate and have not designated a
beneficiary, or want to change beneficiaries, you still need to fill out a paper form. Go to
the Marsh@WorkSolutions Web site at http://www.personal-plans.com/unisys to
download the form, or call Marsh@WorkSolutions at 1-800-222-1617. Completed forms
must be signed and returned to Marsh@WorkSolutions at the address on the form.
Marsh@WorkSolutions retains the beneficiary designations for GULP.*
If you have not named a beneficiary for one or more of the plans, Unisys assumes a
Standard Beneficiary Designation as defined under the plan provisions. The Standard
Beneficiary Designation is based on a hierarchy of spouse, surviving children, surviving
parents, surviving siblings, or estate.
When designating a beneficiary, specific information can help to reduce claim
processing time in the future. Please provide the name, date of birth, Social Security
Number, relationship to you and address of your beneficiary. If you designate a trust as
your beneficiary, you will be required to provide the name and complete address of the
trustee and the date of the trust agreement.
*The Business Travel Accident and Seat Belt Insurance, GULP, UPP, and 401(k)
Savings Plan beneficiary designations are the only designations that apply to employees
in Puerto Rico.
Alternative Care
UnitedHealth AlliesSM Health Value Program From UnitedHealthcare
If you participate in the UnitedHealthcare medical plan, UnitedHealthcare has added
UnitedHealth AlliesSM Health Value Program to help you save from 10 to 50 percent on
average on your alternative non-covered healthcare purchases from a nationwide
network of physicians, healthcare professionals, and medical facilities in a wide range of
specialties. The program can help you save on services like Laser Vision Correction,
teeth whitening, massage therapy, acupuncture and much more.
11
You will receive a set of ID cards that can be used for access to discounted services
from network providers that offer alternative health services. You will also receive a
second set of swipe ID cards for your primary health plan that can be used by in-network
providers to expedite verification of eligibility and submission of claims.
If you are a UnitedHealthcare member, visit the UnitedHealthcare Web site at
www.myuhc.com and click on Other Benefits in the My Coverage and Costs section, for
more information about the UnitedHealth Allies Health Value Program.
Alternative Health Care Programs From Aetna
If you participate in an Aetna medical plan, the Alternative Health Care Programs from
Aetna are offered to you as a service to help you take advantage of today's interest in
alternative medicine. They can help save you money on nontraditional services and
products that you may already be using or may wish to explore.
The program includes:
Natural Alternatives - reduced rates on alternative therapies including
acupuncture, chiropractic, massage therapy, and nutritional counseling
Vitamin Advantage™ - reduced rates on vitamins and nutritional supplements
Natural Products - reduced rates on health-related products, such as
aromatherapy, foot care, and natural body care products
If you are an Aetna member,, visit the Aetna Web site at
http://www.aetna.com/index.htm and select Members + Consumers / Products +
Programs / Health + Wellness / Alternative Heath Care, for more information about the
Alternative Healthcare Programs from Aetna.
Aetna Navigator Guest Access
Be a Guest on the Aetna NavigatorTM Web Site
The Aetna Navigator Web site home page provides selected functions and information
and is available to all Unisys employees. During Annual Enrollment, Aetna provides a
guest ID that allows you to access the entire Web site so you can view most of the
features and tools available to Aetna members.
To view the complete Web site, log on to www.myaetna.com. To view medical screens,
use User Name: choicepos2; Password: choicepos2. In addition, you can view the
Health Care and Dependent Care FSA screens, use User Name: fsahealthdep1;
Password: fsahealthdep1. You may call an Aetna representative at 1-800-223-3580 for
more information about this Web site.
12
Short-Term Disability
Short-Term Disability (STD) Clarification
Under the terms of the Unisys STD Plan, you will be considered “disabled” if you miss
work (full or partial days) for more than two consecutive weeks, and you meet both of the
following conditions:

You are under treatment by a licensed physician who certifies your
disability
and

Broadspire (the third party administrator for the Plan) can verify that you
are unable, due to your disability, to perform the essential functions of
your regular occupation at any job site within Unisys. Essential functions
include the ability to work your normal work schedule
In order to satisfy the second condition above, you or your doctor must provide
Broadspire with objective medical information that supports your inability to perform the
essential functions of your job.
For more information about STD, log on to the Unisys U.S Benefits Web site (User ID:
Unisys; Password: usbenefits).
13
Your Health. It Matters
The Unisys approach to health, disease and disability management gives you the tools,
information and resources to help you take charge of your health. Here are some
highlights of the programs available year round.
Health Risk Assessment (HRA)
This easy to use, online tool can give you a better understanding of your health risks and
show you ways to lead a healthier lifestyle.
LivingWise Web Site
Go year-round to the LivingWise Web site for a great one-stop resource to research
health information, drug information and medical news.
Nurseline*
Nurseline offers access to medical professionals who can answer your questions and
help you make informed, appropriate health and medical decisions for you and your
family.
Disease Management*
If you or someone in your family has a chronic condition such as asthma, heart disease,
diabetes or cancer, our Disease Management Program, administered through SHPS,
can help you: learn more about the condition, avoid behaviors that may aggravate it,
save time and money by avoiding inappropriate medical care or tests, develop a plan to
help prevent further complications, and follow your treatment plan more closely, so that
you get better results from your healthcare.
Your Health Is Your Business
Participation in these programs is completely voluntary and confidential. The programs
are run by an independent, nationally recognized disease management company. You
should be assured that any information made available to the Disease Manager is kept
strictly confidential. In no event is your personal health information disclosed to Unisys.
Read more about the tools available to help manage your health on the Unisys U.S.
Benefits Web site (User ID: Unisys; Password: usbenefits).
*The Nurseline and Disease Management Program offered through Unisys are available
to employees enrolled in Aetna HMO, Aetna Choice POS II , Medica Choice, PPOM or
UnitedHealthcare EPO medical plans. If you are not enrolled in one of these plans,
contact your plan directly to learn about resources available through your plan.
14
Reminders
Making the Choice You Believe Best Meets Your Needs
Choosing benefits for yourself and your dependents is an important decision. Make sure
you evaluate all of your choices carefully.
Before you make any elections, consider the value of your current coverage and how
each available option might meet your needs. Try not to make contributions the only
determining factor in your decision.
Use the Unisys U.S. Benefits Web site and use the YBR Web site to help you investigate
your options. There is plenty of information available to you through these resources.
Picking a Primary Care Physician
Many HMOs require that your care be coordinated through a Primary Care Provider
(PCP) or Primary Care Clinic (PCC) in order to receive plan benefits. Even HMOs that
do not require PCP/PCC referrals to access network care strongly recommend that you
designate a PCP/PCC for yourself (and each covered family member, if applicable).
If you are enrolling in a new plan for 2005 and that plan requires a PCP or PCC, you
must choose one during Annual Enrollment. The YBR Web site will prompt you to select
a PCP or PCC. If you do not choose a PCP/PCC and one is required, your plan may or
may not assign one to you automatically. You will not be able to access care in 2005 if
you do not have a PCP or PCC designation and your plan requires one.
Confirming Your Election
If you make changes to your benefit elections online, make sure you print your online
“Completed Successfully” page. This is your Confirmation Statement. Keep it for your
records. No supplemental statement will be mailed to your home, unless you make your
changes via telephone through the Unisys Benefits Service Center (UBSC).
Confirmation Statement
Mailed to You:
Yes
Make changes on the YBR
Web site
No
√
Make changes by calling the
UBSC
√
√
No changes
15
Key Dates for This Year's Annual Enrollment
October 11, 2004
Preview 2005 health/insurance benefits options and
contributions, check your covered dependents’ status, and
use planning tools.
October 18, 2004
Annual Enrollment begins at 9:00 a.m. Eastern time.
November 3, 2004
Annual Enrollment ends at midnight Eastern time on the
YBR Web site, and at 5:00 p.m. Eastern time at the Unisys
Benefits Service Center.
January 1, 2005
2005 benefits coverage and contributions begin*
*Coverage requiring satisfactory evidence of insurability - the addition of Long-Term
Disability Insurance or increases in Company-Provided Life Insurance exceeding
$100,000 - will become effective on the first day of the month after the Unisys Benefits
Service Center is notified that the insurance company has approved coverage, but not
earlier than January 1, 2005, provided the required completed evidence of insurability
forms are received by the insurance company no later than December 31, 2004.
New Plan, New ID Card
If you are enrolling in a new medical plan for 2005, you can expect to receive your new
identification card no later than the last week of December. If you do not receive a new
ID card but you should, contact the plan directly. You can find contact information for all
medical plans offered through Unisys on the YBR Web site.
Note:
No new ID cards will be issued for the prescription drug program.
If you participate in UnitedHealthcare EPO, or Aetna Choice POS II Option One or
Option Two, you will receive a new medical ID card for 2005.
16
Taking Action
What You Need to Do
The chart below details what, if anything, you need to do during Annual Enrollment.
Take action () if you're…



changing any of your benefits for 2005 (including Flexible
Spending Account participation). See Fast and Easy
Enrollment below.
adding, deleting or changing any dependent information.
currently enrolled in a medical plan that is not available for
2005. (If you do nothing, you will default in the Aetna
Choice POS II – Option Two.)
Do nothing (X) if you're…
X
keeping the same benefits you had in 2004.
X
Including the same dependents in your coverage through
Unisys in 2004.
electing the same annual contribution amounts for the
Flexible Spending Accounts.
X
Fast and Easy Enrollment
Follow these steps to register your 2005 elections, October 18 through November
3, 2004:









First, review this entire Annual Enrollment Newsletter to learn about important
benefit changes for 2005.
Then, go to the Your Benefits ResourcesTM (YBR) Web site directly or link from
the Unisys U.S. Benefits Web site (User ID: Unisys; Password: usbenefits).
On YBR, enter your User ID and Password. If you have not yet registered on
YBR, follow the prompts.
Go to the Annual Enrollment home page.
Select the Enroll (View Coverage/Make Changes) button to register your
elections.
Carefully review your personal information and your dependent’s information to
be sure they are accurate. Call the Unisys Benefits Service Center at 1-877-8647972 if you need to make any changes to this information that cannot be made
online.
Make any other necessary elections or changes (e.g., medical plan, vision
coverage, FSAs, etc.).
Submit your elections.
Print your Completed Successfully page and keep it for your records. You will
not receive a Confirmation Statement in the mail.
17
When You Can Enroll
Annual Enrollment runs from October 18 through November 3, 2004.
You can make as many changes as you want on the YBR Web site 24 hours a day,
Monday through Saturday, and after 1:00 p.m. Eastern time on Sundays – from any
computer with Internet access. If you need personal assistance with something not
available on the YBR Web site, you can speak to a benefits representative from the
Unisys Benefits Service Center (UBSC) by calling 1-877-864-7972. The UBSC is
available from 9:00 a.m. to 5:00 p.m. Eastern time, Monday through Friday.
Annual Enrollment closes on November 3, and Annual Enrollment elections
cannot be accepted as of midnight Eastern time on YBR, and as of 5:00 p.m.
Eastern time through the UBSC.
No Internet Access?
There are plenty of ways to get information or enroll online, even if you don't have
Internet access at home. All you need is any computer with Internet access. Go to your
local library or check your local phone directory for places that provide Internet access to
the public.
Dependent Information Changes
Go to YBR and carefully review your personal information and your dependent’s
information for accuracy. Call the Unisys Benefits Service Center at 1-877-864-7972, if
you need to make any changes to this information that cannot be made online.
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Information Resources
The Your Benefits ResourcesTM Web site, the Unisys U.S. Benefits Web site, and
provider Web sites are convenient, online resources where you can find the information
you need to make informed choices for you and your family. These Web sites contain a
wealth of information. And, you can log on to any of these sites from any computer with
Internet access for convenient, on-demand access to resources and enrollment
information.
If you don't have access to a computer at home or the office, check your local public
library or telephone directory to find places that offer public Internet access. For
example, look under "coffee houses" or "Internet".
And, should you need additional help, the Unisys Benefits Service Center is only a
telephone call away at 1-877-864-7972.
If you're looking for information about:
Go to:
Making elections or changes for 2005
Major features of the:
 Medical Plans
 Dental Plan
 Vision Plan
 Prescription Drug Program
 Company-Provided Life
Insurance
 Flexible Spending Accounts
Coverage as of today for you and your
dependents
Finding a provider
Comparing hospital quality and
doctor profiles
Estimating and comparing medical
expenses by options
Estimating your Flexible Spending
Accounts
Changing dependent information
and verifying full-time student
dependent status
Selecting beneficiaries for Life
Insurance, Business Travel Accident
& Seat Belt Insurance, and the Unisys
Pension Plan
Carrier Web sites
Plan provider contact information
Enrolling in the Flexible Spending
Accounts
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Your Benefits ResourcesTM (YBR)
http:www.resources.hewitt.com/unisys
Have your YBR User ID and Password
ready. If you do not have a User ID or
Password, follow the prompts to establish
them.
2005 information will be available for
preview as of October 11, 2004.
However, Annual Enrollment changes
cannot be made until October 18, 2004.
The YBR Web site is available 24 hours a
day, Monday through Saturday, and after
1:00 p.m. Eastern time on Sundays - from
any computer with Internet access.
Please note, if you have not made
beneficiary designations on YBR, your
designation remains on paper forms (or
you are defaulted to the standard
beneficiary) and will not show on the Web
site until you designate your beneficiaries
online. Not sure who you previously
named? The best thing to do is to make a
new designation online to ensure you
name the beneficiaries you want.
Our healthcare strategy
Short- and Long-Term Disability
General benefit information for the
Medical Plan, Dental Plan, Vision
Plan, Prescription Drug Program, LongTerm Care Insurance, Life Insurance,
Group Universal Life Plan (GULP),
and Flexible Spending Accounts
Disease Management, Nurseline
and the Health Risk Assessment
Unisys U.S. Benefits Web site
http://www.app3.unisys.com/usbenefits
If you need additional help
Unisys Benefits Service Center (UBSC)
Call 1-877-864-7972
User ID: Unisys
Password: usbenefits
The Web site is available 24 hours a day,
seven days a week - from any computer
with Internet access.
If you need personal assistance with
something related to Annual Enrollment
that is not available on the YBR Web site,
you can speak to a benefits representative
from the UBSC. The UBSC is available
from 9:00 a.m. to 5:00 p.m. Eastern time,
Monday through Friday.
For international calls use a countryspecific AT&T® Direct access number and
call 1-877-864-7972. To get a countryspecific access number, call an AT&T
operator or log on to www.att.com/traveler.
Fidelity NetBenefits
http://netbenefits.fidelity.com
401(k) Savings Plan beneficiary
information and new designations
Unisys Savings Plan telephone number:
1-800-600-4015.
Representatives are available from 8:30
a.m. to midnight Eastern time, Monday
through Friday (excluding New Your Stock
Exchange holidays).
Please note, if you have not made a
beneficiary designation for the Unisys
401(k) Savings Plan on Fidelity
Netbenefits®, your designation remains on
paper forms and will not show on the Web
site until you make your election online.
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Your Rights
Know Your Rights
Federal law requires healthcare plans to comply with minimum coverage provisions if
certain medical procedures are covered under the plans. The Aetna Choice POS II
options, Unisys Post-Retirement and Extended Disability Medical Plan (PRM), and HMO
options comply with the mandated requirements and did so in advance of the legislation.
If you participate in a healthcare plan offered as an alternate to the Unisys plans, you
should also receive information from your alternate plan.
Health Insurance Portability and Accountability Act of 1996
Unisys makes every effort to protect the privacy of health information for participants.
Unisys has always maintained privacy practices that ensure your personal health
information is protected. Read more about Unisys Privacy Practices (Privacy of health
information) on the Unisys U.S. Benefits Web site (User ID: Unisys; Password:
usbenefits).
In April 2003, you were sent a “Notice of Privacy Practices” document that explains
certain rights with regard to your personal health information. Please note that there has
been a change in the address and phone number that you should use if you want to (a)
exercise any of your HIPAA rights (as described on pages 4-5 of the Notice), (b) file a
complaint relating to the Plans' or a Business Associate's failure to comply with HIPAA
(as described on pages 5-6 of the Notice) or (c) file a request for an additional paper
copy of the Notice (as described on page 6 of the Notice).
The new address, email address and phone number are:
Unisys Corporation Health Plans HIPAA Compliance Office
Unisys Corporation
M.S. E8-106
Unisys Way
Blue Bell, PA 19424
Email at: HIPAAComplianceOfficer@Unisys.com
Phone Number: 1-215-986-5404
Your health information is typically used and retained by the health plan in which you are
enrolled. You should contact your health plan administrator directly to obtain copies of
your health information and exercise your other HIPAA rights described in the Notice.
New Claims and Appeals Procedures
The procedures under which you file claims and appeals for health/insurance benefits
has been modified. Read more on the Unisys U.S. Benefits Web site (User ID: Unisys;
Password: usbenefits) for a description of the new procedures (Claims and Appeals
Procedures).
Rights Under the Newborns’ and Mothers’ Health Protection Act
Plans offering group health insurance coverage generally may not restrict benefits for
any hospital length of stay in connection with childbirth for the mother or newborn child
to less than 48 hours following a vaginal delivery, or less than 96 hours following a
delivery by a cesarean section. However, a shorter stay may be permitted if the
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attending provider (for example, the attending physician, nurse, midwife, or physician
assistant), after consultation with the mother, discharges the mother or newborn earlier.
Also, plans and issuers may not set the level of benefits or out-of-pocket costs so that
any later portion of the 48-hour (or 96-hour) stay is treated less favorably to the mother
or newborn than any earlier portion of the stay.
A plan also may not require a physician or other healthcare provider to obtain
authorization for prescribing a stay of up to 48 hours (or 96 hours). However, you may
be required to pre-certify in order to use certain providers or facilities, or to reduce your
out-of-pocket costs. For information on pre-certification, contact your plan’s customer
service department.
Rights Under the Women’s Health and Cancer Rights Act of 1998
The Women’s Health and Cancer Rights Act requires group health plans that provide
coverage for mastectomies to also cover reconstructive surgery and prostheses
following mastectomies. The law mandates that a member receiving benefits for a
medically necessary mastectomy who elects breast reconstruction after the mastectomy
will also receive coverage for:
Reconstruction of the breast on which the mastectomy has been performed;
Surgery and reconstruction of the other breast to produce a symmetrical appearance;
Prostheses; and
Treatment of physical complications of all stages of mastectomy, including lymph
edemas.
This coverage will be provided in consultation with the attending physician and the
patient, and will be subject to the same annual deductibles and coinsurance provisions
that apply for the mastectomy. If you have any questions about your coverage for
mastectomies and reconstructive surgery, you are encouraged to contact your plan’s
customer service department.
Note for New Jersey Residents
The Health Care Quality Act, a New Jersey statute, requires that companies with
healthcare plans such as the Aetna Choice POS II Options and Aetna HMO, notify you
that these self-funded health plans are not subject to New Jersey state consumer
protection regulations. The law also requires that you be informed which state-mandated
benefits are not covered under these plans.
If you are enrolled in, or elect to enroll in, the Aetna Choice POS II options, or the Aetna
HMO, you will be enrolled in a self-insured health plan which is administered by Aetna
on behalf of Unisys. These plans are known as ERISA plans, which are authorized
under the federal Employee Retirement Income Security Act (ERISA). This act provides
rules and regulations regarding the conduct of the plans. These plans are exempt from
complying with New Jersey State law governing health insurance, including but not
limited to:
•State laws mandating coverage for specific health insurance benefits; and
•State laws granting individuals the right to appeal to an independent entity any final
decision by a managed-care organization to reduce or deny treatment for a covered
healthcare service.
Even though Aetna may appear on your health insurance card or in correspondence
22
about your coverage, you may not have the same legal rights as those covered by stateregulated health plans.
This chart lists the services included in the state-mandated health insurance benefits
and the coverage under the Unisys plans.
NJ State Mandated Benefits
Aetna HMO, Aetna Choice POS II Options
One and Two
For certain treatments for Wilm’s tumor Covers treatments for this condition which are
not deemed to be investigational or
experimental
For certain treatments for cancer
Covers treatments for cancer which are not
deemed to be investigational or experimental
For mammograms
Voluntarily covers these tests at least as
frequently as mandated by the New Jersey
Legislature
For off-label uses of certain drugs
Does not cover drugs for treatments for which
the drug has not been approved by the Federal
Food and Drug Administration
For pharmacies
Voluntarily complies with the mandated
requirements
For inpatient benefits following birth
Voluntarily complies with the mandated length
of stay
For lead-poisoned children and
Voluntarily complies with the mandated
childhood immunizations
services
For health wellness promotion programs Voluntarily complies with the mandated
services
For treatment of diabetes
Voluntarily complies with the mandated
services
For PAP smears
Voluntarily complies with the mandated
services
For prostate cancer screening
Voluntarily complies with the mandated
services
For reconstructive breast surgery
Voluntarily complies with the mandated
following a mastectomy
services
For inpatient benefits following a
Voluntarily complies with the mandated
mastectomy
services
For therapeutic treatment of inherited
Voluntarily complies with the mandated
metabolic diseases
services
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