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



	Retail		Group		Healthcare Services		Other Businesses		Eliminations/ Corporate			Consolidated
	(in millions)
2014
Revenues—external customers
Premiums:
Individual Medicare Advantage	$	25,782	$	—	$	—	$	—	$	—		$	25,782
Group Medicare Advantage	5,490		—		—		—		—			5,490
Medicare stand-alone PDP	3,404		—		—		—		—			3,404
Total Medicare	34,676		—		—		—		—			34,676
Fully-insured	3,265		5,339		—		—		—			8,604
Specialty	256		1,098		—		—		—			1,354
Military services	—		19		—		—		—			19
Medicaid and other	1,255		—		—		51		—			1,306
Total premiums	39,452		6,456		—		51		—			45,959
Services revenue:
Provider	—		23		1,254		—		—			1,277
ASO and other	39		740		—		9		—			788
Pharmacy	—		—		99		—		—			99
Total services revenue	39		763		1,353		9		—			2,164
Total revenues—external customers	39,491		7,219		1,353		60		—			48,123
Intersegment revenues
Services	—		78		15,098		—		(15,176		)	—
Products	—		—		3,749		—		(3,749		)	—
Total intersegment revenues	—		78		18,847		—		(18,925		)	—
Investment income	97		23		—		60		197			377
Total revenues	39,588		7,320		20,200		120		(18,728		)	48,500
Operating expenses:
Benefits	33,508		5,130		—		102		(574		)	38,166
Operating costs	4,576		1,936		19,307		17		(18,197		)	7,639
Depreciation and amortization	165		103		155		—		(90		)	333
Total operating expenses	38,249		7,169		19,462		119		(18,861		)	46,138
Income from operations	1,339		151		738		1		133			2,362
Interest expense	—		—		—		—		192			192
Income (loss) before income taxes	$	1,339	$	151	$	738	$	1	$	(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		Group		Healthcare Services		Other Businesses			Eliminations/ Corporate			Consolidated
	(in millions)
2013
Revenues—external customers
Premiums:
Individual Medicare Advantage	$	22,481	$	—	$	—	$	—		$	—		$	22,481
Group Medicare Advantage	4,710		—		—		—			—			4,710
Medicare stand-alone PDP	3,033		—		—		—			—			3,033
Total Medicare	30,224		—		—		—			—			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	31,922		6,237		—		670			—			38,829
Services revenue:
Provider	—		21		1,291		—			—			1,312
ASO and other	18		714		—		6			—			738
Pharmacy	—		—		59		—			—			59
Total services revenue	18		735		1,350		6			—			2,109
Total revenues—external customers	31,940		6,972		1,350		676			—			40,938
Intersegment revenues
Services	—		51		11,890		—			(11,941		)	—
Products	—		—		2,803		—			(2,803		)	—
Total intersegment revenues	—		51		14,693		—			(14,744		)	—
Investment income	92		24		—		59			200			375
Total revenues	32,032		7,047		16,043		735			(14,544		)	41,313
Operating expenses:
Benefits	27,164		4,847		—		962			(409		)	32,564
Operating costs	3,232		1,860		15,372		56			(14,165		)	6,355
Depreciation and amortization	146		100		151		6			(70		)	333
Total operating expenses	30,542		6,807		15,523		1,024			(14,644		)	39,252
Income (loss) from operations	1,490		240		520		(289		)	100			2,061
Interest expense	—		—		—		—			140			140
Income (loss) before income taxes	$	1,490	$	240	$	520	$	(289	)	$	(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		Group		Healthcare Services		Other Businesses			Eliminations/ Corporate			Consolidated
	(in millions)
2012
Revenues—external customers
Premiums:
Individual Medicare Advantage	$	20,788	$	—	$	—	$	—		$	—		$	20,788
Group Medicare Advantage	4,064		—		—		—			—			4,064
Medicare stand-alone PDP	2,861		—		—		—			—			2,861
Total Medicare	27,713		—		—		—			—			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	29,073		7,083		—		853			—			37,009
Services revenue:
Provider	—		13		1,037		—			—			1,050
ASO and other	36		618		—		6			—			660
Pharmacy	—		—		16		—			—			16
Total services revenue	36		631		1,053		6			—			1,726
Total revenues—external customers	29,109		7,714		1,053		859			—			38,735
Intersegment revenues
Services	2		31		9,745		—			(9,778		)	—
Products	—		—		2,342		—			(2,342		)	—
Total intersegment revenues	2		31		12,087		—			(12,120		)	—
Investment income	96		25		—		58			212			391
Total revenues	29,207		7,770		13,140		917			(11,908		)	39,126
Operating expenses:
Benefits	24,751		5,676		—		894			(336		)	30,985
Operating costs	2,997		1,837		12,628		46			(11,678		)	5,830
Depreciation and amortization	142		86		89		5			(27		)	295
Total operating expenses	27,890		7,599		12,717		945			(12,041		)	37,110
Income (loss) from operations	1,317		171		423		(28		)	133			2,016
Interest expense	—		—		—		—			105			105
Income (loss) before income taxes	$	1,317	$	171	$	423	$	(28	)	$	28		$	1,911