SEGMENT INFORMATION (Tables)

3 Months Ended

Mar. 31, 2016

Segment Reporting [Abstract]

Schedule of Segment Reporting Information, By Segment

Intersegment sales and expenses are recorded at fair value and eliminated in consolidation. Members served by our segments often use the same provider networks, enabling us in some instances to obtain more favorable contract terms with providers. Our segments also share indirect costs and assets. As a result, the profitability of each segment is interdependent. We allocate most operating expenses to our segments. Assets and certain corporate income and expenses are not allocated to the segments, including the portion of investment income not supporting segment operations, interest expense on corporate debt, and certain other corporate expenses. These items are managed at a corporate level. These corporate amounts are reported separately from our reportable segments and are included with intersegment eliminations in the tables presenting segment results below.

Our segment results were as follows for the three months ended March 31, 2016 and 2015:

	Retail		Group		Healthcare Services		Other Businesses			Eliminations/ Corporate			Consolidated
	(in millions)
Three months ended March 31, 2016
Revenues - external customers
Premiums:
Individual Medicare Advantage	$	8,027	$	—	$	—	$	—		$	—		$	8,027
Group Medicare Advantage	1,077		—		—		—			—			1,077
Medicare stand-alone PDP	1,039		—		—		—			—			1,039
Total Medicare	10,143		—		—		—			—			10,143
Fully-insured	997		1,337		—		—			—			2,334
Specialty	65		253		—		—			—			318
Medicaid and other	630		5		—		10			—			645
Total premiums	11,835		1,595		—		10			—			13,440
Services revenue:
Provider	—		13		58		—			—			71
ASO and other	2		177		—		3			—			182
Pharmacy	—		—		7		—			—			7
Total services revenue	2		190		65		3			—			260
Total revenues - external customers	11,837		1,785		65		13			—			13,700
Intersegment revenues
Services	—		21		4,754		—			(4,775		)	—
Products	—		—		1,360		—			(1,360		)	—
Total intersegment revenues	—		21		6,114		—			(6,135		)	—
Investment income	27		5		7		15			46			100
Total revenues	11,864		1,811		6,186		28			(6,089		)	13,800
Operating expenses:
Benefits	10,378		1,193		—		25			(199		)	11,397
Operating costs	1,276		436		5,913		4			(5,861		)	1,768
Depreciation and amortization	56		24		32		—			(24		)	88
Total operating expenses	11,710		1,653		5,945		29			(6,084		)	13,253
Income (loss) from operations	154		158		241		(1		)	(5		)	547
Interest expense	—		—		—		—			47			47
Income (loss) before income taxes	$	154	$	158	$	241	$	(1	)	$	(52	)	$	500

	Retail		Group		Healthcare Services		Other Businesses		Eliminations/ Corporate			Consolidated
	(in millions)
Three months ended March 31, 2015
Revenues - external customers
Premiums:
Individual Medicare Advantage	$	7,433	$	—	$	—	$	—	$	—		$	7,433
Group Medicare Advantage	1,394		—		—		—		—			1,394
Medicare stand-alone PDP	1,003		—		—		—		—			1,003
Total Medicare	9,830		—		—		—		—			9,830
Fully-insured	1,094		1,384		—		—		—			2,478
Specialty	63		270		—		—		—			333
Medicaid and other	591		6		—		10		—			607
Total premiums	11,578		1,660		—		10		—			13,248
Services revenue:
Provider	—		9		308		—		—			317
ASO and other	4		160		—		2		—			166
Pharmacy	—		—		7		—		—			7
Total services revenue	4		169		315		2		—			490
Total revenues - external customers	11,582		1,829		315		12		—			13,738
Intersegment revenues
Services	—		22		4,367		—		(4,389		)	—
Products	—		—		1,150		—		(1,150		)	—
Total intersegment revenues	—		22		5,517		—		(5,539		)	—
Investment income	27		5		—		15		48			95
Total revenues	11,609		1,856		5,832		27		(5,491		)	13,833
Operating expenses:
Benefits	9,936		1,226		—		23		(180		)	11,005
Operating costs	1,254		453		5,560		3		(5,325		)	1,945
Depreciation and amortization	44		23		42		—		(16		)	93
Total operating expenses	11,234		1,702		5,602		26		(5,521		)	13,043
Income from operations	375		154		230		1		30			790
Interest expense	—		—		—		—		46			46
Income (loss) before income taxes	$	375	$	154	$	230	$	1	$	(16	)	$	744