Our segment results were as follows for the three and nine months ended September 30, 2014 and 2013, respectively:



	Retail		Employer Group		Healthcare Services		Other Businesses		Eliminations/ Corporate			Consolidated
	(in millions)
Three months ended September 30, 2014
Revenues - external customers
Premiums:
Medicare Advantage	$	6,508	$	1,381	$	—	$	—	$	—		$	7,889
Medicare stand-alone PDP	804		2		—		—		—			806
Total Medicare	7,312		1,383		—		—		—			8,695
Fully-insured	926		1,335		—		—		—			2,261
Specialty	67		274		—		—		—			341
Military services	—		—		—		5		—			5
Medicaid and other	292		—		—		13		—			305
Total premiums	8,597		2,992		—		18		—			11,607
Services revenue:
Provider	—		6		302		—		—			308
ASO and other	10		84		—		108		—			202
Pharmacy	—		—		26		—		—			26
Total services revenue	10		90		328		108		—			536
Total revenues - external customers	8,607		3,082		328		126		—			12,143
Intersegment revenues
Services	—		22		3,851		—		(3,873		)	—
Products	—		—		968		—		(968		)	—
Total intersegment revenues	—		22		4,819		—		(4,841		)	—
Investment income	19		11		—		15		50			95
Total revenues	8,626		3,115		5,147		141		(4,791		)	12,238
Operating expenses:
Benefits	7,201		2,589		—		27		(151		)	9,666
Operating costs	1,063		487		4,908		96		(4,656		)	1,898
Depreciation and amortization	40		26		37		4		(22		)	85
Total operating expenses	8,304		3,102		4,945		127		(4,829		)	11,649
Income from operations	322		13		202		14		38			589
Interest expense	—		—		—		—		38			38
Income before income taxes	$	322	$	13	$	202	$	14	$	—		$	551



	Retail		Employer Group		Healthcare Services		Other Businesses		Eliminations/ Corporate			Consolidated
	(in millions)
Three months ended September 30, 2013
Revenues - external customers
Premiums:
Medicare Advantage	$	5,552	$	1,193	$	—	$	—	$	—		$	6,745
Medicare stand-alone PDP	740		2		—		—		—			742
Total Medicare	6,292		1,195		—		—		—			7,487
Fully-insured	292		1,278		—		—		—			1,570
Specialty	54		273		—		—		—			327
Military services	—		—		—		6		—			6
Medicaid and other	76		—		—		232		—			308
Total premiums	6,714		2,746		—		238		—			9,698
Services revenue:
Provider	—		6		310		—		—			316
ASO and other	3		84		—		108		—			195
Pharmacy	—		—		17		—		—			17
Total services revenue	3		90		327		108		—			528
Total revenues - external customers	6,717		2,836		327		346		—			10,226
Intersegment revenues
Services	—		14		2,999		—		(3,013		)	—
Products	—		—		716		—		(716		)	—
Total intersegment revenues	—		14		3,715		—		(3,729		)	—
Investment income	19		10		—		15		49			93
Total revenues	6,736		2,860		4,042		361		(3,680		)	10,319
Operating expenses:
Benefits	5,647		2,316		—		230		(118		)	8,075
Operating costs	718		443		3,856		103		(3,580		)	1,540
Depreciation and amortization	33		25		37		5		(17		)	83
Total operating expenses	6,398		2,784		3,893		338		(3,715		)	9,698
Income from operations	338		76		149		23		35			621
Interest expense	—		—		—		—		35			35
Income before income taxes	$	338	$	76	$	149	$	23	$	—		$	586



	Retail		Employer Group		Healthcare Services		Other Businesses		Eliminations/ Corporate			Consolidated
	(in millions)
Nine months ended September 30, 2014
Revenues - external customers
Premiums:
Medicare Advantage	$	19,443	$	4,131	$	—	$	—	$	—		$	23,574
Medicare stand-alone PDP	2,606		6		—		—		—			2,612
Total Medicare	22,049		4,137		—		—		—			26,186
Fully-insured	2,363		3,985		—		—		—			6,348
Specialty	192		824		—		—		—			1,016
Military services	—		—		—		15		—			15
Medicaid and other	667		—		—		42		—			709
Total premiums	25,271		8,946		—		57		—			34,274
Services revenue:
Provider	—		17		899		—		—			916
ASO and other	37		246		—		349		—			632
Pharmacy	—		—		72		—		—			72
Total services revenue	37		263		971		349		—			1,620
Total revenues - external customers	25,308		9,209		971		406		—			35,894
Intersegment revenues
Services	—		57		11,002		—		(11,059		)	—
Products	—		—		2,752		—		(2,752		)	—
Total intersegment revenues	—		57		13,754		—		(13,811		)	—
Investment income	56		32		—		45		145			278
Total revenues	25,364		9,298		14,725		451		(13,666		)	36,172
Operating expenses:
Benefits	21,371		7,417		—		82		(453		)	28,417
Operating costs	2,968		1,478		14,024		301		(13,253		)	5,518
Depreciation and amortization	112		75		108		12		(61		)	246
Total operating expenses	24,451		8,970		14,132		395		(13,767		)	34,181
Income from operations	913		328		593		56		101			1,991
Interest expense	—		—		—		—		108			108
Income (loss) before income taxes	$	913	$	328	$	593	$	56	$	(7	)	$	1,883



	Retail		Employer Group		Healthcare Services		Other Businesses		Eliminations/ Corporate			Consolidated
	(in millions)
Nine months ended September 30, 2013
Revenues - external customers
Premiums:
Medicare Advantage	$	16,860	$	3,543	$	—	$	—	$	—		$	20,403
Medicare stand-alone PDP	2,286		6		—		—		—			2,292
Total Medicare	19,146		3,549		—		—		—			22,695
Fully-insured	856		3,819		—		—		—			4,675
Specialty	155		823		—		—		—			978
Military services	—		—		—		22		—			22
Medicaid and other	227		—		—		670		—			897
Total premiums	20,384		8,191		—		692		—			29,267
Services revenue:
Provider	—		15		928		—		—			943
ASO and other	7		250		—		342		—			599
Pharmacy	—		—		39		—		—			39
Total services revenue	7		265		967		342		—			1,581
Total revenues - external customers	20,391		8,456		967		1,034		—			30,848
Intersegment revenues
Services	—		37		8,706		—		(8,743		)	—
Products	—		—		2,050		—		(2,050		)	—
Total intersegment revenues	—		37		10,756		—		(10,793		)	—
Investment income	55		31		—		45		147			278
Total revenues	20,446		8,524		11,723		1,079		(10,646		)	31,126
Operating expenses:
Benefits	17,272		6,728		—		668		(307		)	24,361
Operating costs	1,971		1,299		11,223		347		(10,393		)	4,447
Depreciation and amortization	97		75		109		13		(51		)	243
Total operating expenses	19,340		8,102		11,332		1,028		(10,751		)	29,051
Income from operations	1,106		422		391		51		105			2,075
Interest expense	—		—		—		—		105			105
Income before income taxes	$	1,106	$	422	$	391	$	51	$	—		$	1,970