Our segment results were as follows for the years ended December 31, 2014, 2013, and 2012:



	Retail		Employer Group		Healthcare Services		Other Businesses		Eliminations/ Corporate			Consolidated
	(in millions)
2014
Revenues—external customers
Premiums:
Medicare Advantage	$	25,941	$	5,490	$	—	$	—	$	—		$	31,431
Medicare stand-alone PDP	3,396		8		—		—		—			3,404
Total Medicare	29,337		5,498		—		—		—			34,835
Fully-insured	3,265		5,339		—		—		—			8,604
Specialty	256		1,098		—		—		—			1,354
Military services	—		—		—		19		—			19
Medicaid and other	1,096		—		—		51		—			1,147
Total premiums	33,954		11,935		—		70		—			45,959
Services revenue:
Provider	—		23		1,183		—		—			1,206
ASO and other	39		339		—		481		—			859
Pharmacy	—		—		99		—		—			99
Total services revenue	39		362		1,282		481		—			2,164
Total revenues—external customers	33,993		12,297		1,282		551		—			48,123
Intersegment revenues
Services	—		78		14,984		—		(15,062		)	—
Products	—		—		3,749		—		(3,749		)	—
Total intersegment revenues	—		78		18,733		—		(18,811		)	—
Investment income	76		44		—		60		197			377
Total revenues	34,069		12,419		20,015		611		(18,614		)	48,500
Operating expenses:
Benefits	28,608		10,019		—		113		(574		)	38,166
Operating costs	4,209		1,987		19,121		405		(18,083		)	7,639
Depreciation and amortization	154		99		155		15		(90		)	333
Total operating expenses	32,971		12,105		19,276		533		(18,747		)	46,138
Income from operations	1,098		314		739		78		133			2,362
Interest expense	—		—		—		—		192			192
Income (loss) before income taxes	$	1,098	$	314	$	739	$	78	$	(59	)	$	2,170

Premium and services revenues derived from our contracts with the federal government, as a percentage of our total premium and services revenues, was approximately 73% for 2014, compared to 75% for 2013 and 2012.



	Retail		Employer Group		Healthcare Services		Other Businesses			Eliminations/ Corporate			Consolidated
	(in millions)
2013
Revenues—external customers
Premiums:
Medicare Advantage	$	22,481	$	4,710	$	—	$	—		$	—		$	27,191
Medicare stand-alone PDP	3,025		8		—		—			—			3,033
Total Medicare	25,506		4,718		—		—			—			30,224
Fully-insured	1,160		5,117		—		—			—			6,277
Specialty	210		1,095		—		—			—			1,305
Military services	—		—		—		25			—			25
Medicaid and other	328		—		—		670			—			998
Total premiums	27,204		10,930		—		695			—			38,829
Services revenue:
Provider	—		21		1,221		—			—			1,242
ASO and other	16		338		—		454			—			808
Pharmacy	—		—		59		—			—			59
Total services revenue	16		359		1,280		454			—			2,109
Total revenues—external customers	27,220		11,289		1,280		1,149			—			40,938
Intersegment revenues
Services	—		51		11,808		—			(11,859		)	—
Products	—		—		2,803		—			(2,803		)	—
Total intersegment revenues	—		51		14,611		—			(14,662		)	—
Investment income	74		42		—		59			200			375
Total revenues	27,294		11,382		15,891		1,208			(14,462		)	41,313
Operating expenses:
Benefits	22,914		9,124		—		935			(409		)	32,564
Operating costs	2,963		1,806		15,223		446			(14,083		)	6,355
Depreciation and amortization	134		102		147		20			(70		)	333
Total operating expenses	26,011		11,032		15,370		1,401			(14,562		)	39,252
Income (loss) from operations	1,283		350		521		(193		)	100			2,061
Interest expense	—		—		—		—			140			140
Income (loss) before income taxes	$	1,283	$	350	$	521	$	(193	)	$	(40	)	$	1,921

Benefits expense for Other Businesses for 2013 includes $243 million for reserve strengthening associated with our closed block of long-term care insurance policies as discussed more fully in Note 18.



	Retail		Employer Group		Healthcare Services		Other Businesses			Eliminations/ Corporate			Consolidated
	(in millions)
2012
Revenues—external customers
Premiums:
Medicare Advantage	$	20,788	$	4,064	$	—	$	—		$	—		$	24,852
Medicare stand-alone PDP	2,853		8		—		—			—			2,861
Total Medicare	23,641		4,072		—		—			—			27,713
Fully-insured	1,004		4,996		—		—			—			6,000
Specialty	171		1,070		—		—			—			1,241
Military services	—		—		—		1,017			—			1,017
Medicaid and other	185		—		—		853			—			1,038
Total premiums	25,001		10,138		—		1,870			—			37,009
Services revenue:
Provider	—		13		1,007		—			—			1,020
ASO and other	24		358		—		308			—			690
Pharmacy	—		—		16		—			—			16
Total services revenue	24		371		1,023		308			—			1,726
Total revenues—external customers	25,025		10,509		1,023		2,178			—			38,735
Intersegment revenues
Services	2		31		9,680		—			(9,713		)	—
Products	—		—		2,342		—			(2,342		)	—
Total intersegment revenues	2		31		12,022		—			(12,055		)	—
Investment income	79		42		—		58			212			391
Total revenues	25,106		10,582		13,045		2,236			(11,843		)	39,126
Operating expenses:
Benefits	21,048		8,471		—		1,802			(336		)	30,985
Operating costs	2,767		1,710		12,530		436			(11,613		)	5,830
Depreciation and amortization	130		89		87		16			(27		)	295
Total operating expenses	23,945		10,270		12,617		2,254			(11,976		)	37,110
Income (loss) from operations	1,161		312		428		(18		)	133			2,016
Interest expense	—		—		—		—			105			105
Income (loss) before income taxes	$	1,161	$	312	$	428	$	(18	)	$	28		$	1,911