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BENEFITS PAYABLE (Tables)
 12 Months Ended
Dec. 31, 2017
Defined Benefit Plans and Other Postretirement Benefit Plans Disclosures [Abstract]  
Activity in Benefits Payable
On a consolidated basis, activity in benefits payable, excluding military services, was as follows for the years ended December 31, 2017, 2016 and 2015:
 
 
2017
 
2016
 
2015
 
 
(in millions)
Balances at January 1
 
$
4,563

 
$
4,976

 
$
4,475

Less: Premium deficiency reserve
 
—

 
(176
)
 
—

Less: Reinsurance recoverables
 
(76
)
 
(85
)
 
(78
)
Balances at January 1, net
 
4,487

 
4,715

 
4,397

Incurred related to:
 
 
 
 
 
 
Current year
 
44,001

 
45,318

 
44,397

Prior years
 
(483
)
 
(582
)
 
(236
)
Total incurred
 
43,518

 
44,736

 
44,161

Paid related to:
 
 
 
 
 
 
Current year
 
(39,496
)
 
(40,852
)
 
(39,802
)
Prior years
 
(3,911
)
 
(4,112
)
 
(4,041
)
Total paid
 
(43,407
)
 
(44,964
)
 
(43,843
)
Premium deficiency reserve
 
—

 
—

 
176

Reinsurance recoverable
 
70

 
76

 
85

Balances at December 31
 
$
4,668

 
$
4,563

 
$
4,976
Schedule Of Favorable Medical Claims Reserve Development Related To Prior Fiscal Years By Segment
The table below details our favorable medical claims reserve development related to prior fiscal years by segment for 2017, 2016, and 2015.
 
Favorable Medical Claims Reserve
Development
 
2017
 
2016
 
2015
 
 
Retail Segment
$
(386
)
 
$
(429
)
 
$
(248
)
Group and Specialty Segment
(40
)
 
(46
)
 
(7
)
Individual Commercial Segment
(56
)
 
(106
)
 
20

Other Businesses
(1
)
 
(1
)
 
(1
)
Total
$
(483
)
 
$
(582
)
 
$
(236
)
Benefit Expenses Excluded From Activity in Benefits Payable
Benefits expense excluded from the previous table was as follows for the years ended December 31, 2017, 2016 and 2015:
 
 
2017
 
2016
 
2015
 
 
(in millions)
Premium deficiency reserve for short-duration policies
 
$
—

 
$
(176
)
 
$
176

Military services
 
—

 
8

 
12

Future policy benefits
 
(22
)
 
439

 
(80
)
Total
 
$
(22
)
 
$
271

 
$
108
Schedule Of Benefits Expense
The following tables provide information about incurred and paid claims development for the Retail segment as of December 31, 2017, net of reinsurance.
 
 
Incurred Claims, Net of Reinsurance
 
 
For the Years Ended December 31,
Claims Incurred Year
 
2015
Unaudited
 
2016
Unaudited
 
2017


(in millions)
2015
 
$
36,299

 
$
35,928

 
$
35,877

2016
 

 
37,212

 
36,891

2017
 

 

 
38,604

 Total
 
 
 
 
 
$
111,372



Cumulative Paid Claims, Net of Reinsurance


For the Years Ended December 31,
Claims Incurred Year

2015
Unaudited

2016
Unaudited

2017


(in millions)
2015

$
32,874


$
35,918


$
35,857

2016



33,784


36,841

2017





34,781

 Total





$
107,479

All outstanding benefit liabilities before 2015, net of reinsurance

N/A

Benefits payable, net of reinsurance

$
3,893

The following tables provide information about incurred and paid claims development for the Individual Commercial segment as of December 31, 2017, net of reinsurance.
 
 
Incurred Claims, Net of Reinsurance
 
 
For the Years Ended December 31,
Claims Incurred Year
 
2015
Unaudited
 
2016
Unaudited
 
2017
 
 
 
2015
 
$
3,512

 
$
3,412

 
$
3,412

2016
 

 
3,677

 
3,621

2017
 

 

 
669

 Total
 
 
 
 
 
$
7,702




 
 
Cumulative Paid Claims, Net of Reinsurance
 
 
For the Years Ended December 31,
Claims Incurred Year
 
2015
Unaudited
 
2016
Unaudited
 
2017
 
 
(in millions)
2015
 
$
2,966

 
$
3,400

 
$
3,412

2016
 
 
 
3,233

 
3,606

2017
 
 
 
 
 
583

Total
 
 
 
 
 
$
7,601

All outstanding benefit liabilities before 2015, net of reinsurance
 
N/A
Benefits payable, net of reinsurance
 
$
101

Group and Specialty Segment
Activity in benefits payable for our Group and Specialty segment, excluding military services, was as follows for the years ended December 31, 2017, 2016 and 2015:
 
 
2017
 
2016
 
2015
 
 
(in millions)
Balances at January 1
 
$
579

 
$
616

 
$
603

Less: Reinsurance recoverables
 
—

 
—

 
—

Balances at January 1, net
 
579

 
616

 
603

Incurred related to:
 
 
 
 
 
 
Current year
 
5,403

 
5,271

 
5,377

Prior years
 
(40
)
 
(46
)
 
(7
)
Total incurred
 
5,363

 
5,225

 
5,370

Paid related to:
 
 
 
 
 
 
Current year
 
(4,843
)
 
(4,700
)
 
(4,774
)
Prior years
 
(531
)
 
(562
)
 
(583
)
Total paid
 
(5,374
)
 
(5,262
)
 
(5,357
)
Balances at December 31
 
$
568

 
$
579

 
$
616

The reconciliation of the net incurred and paid claims development tables to benefits payable in the consolidated statement of financial position is as follows:    
 
December 31, 2017
Net outstanding liabilities
 
Retail
$
3,893

Group and Specialty
568

Individual Commercial
101

Other insurance lines
36

    Benefits payable, net of reinsurance
4,598

Reinsurance recoverable on unpaid claims
 
Retail
70

Group and Specialty
—

Individual Commercial
—

Other insurance lines
—

     Total reinsurance recoverable on unpaid claims
70

     Total benefits payable, gross
$
4,668

The following tables provide information about incurred and paid claims development for the Group and Specialty segment as of December 31, 2017, net of reinsurance.
 
 
Incurred Claims, Net of Reinsurance
 
 
For the Years Ended December 31,
Claims Incurred Year
 
2015
Unaudited
 
2016
Unaudited
 
2017


(in millions)
2015
 
$
5,377

 
$
5,333

 
$
5,333

2016
 

 
5,271

 
5,234

2017
 

 

 
5,403

 Total
 
 
 
 
 
$
15,970



Cumulative Paid Claims, Net of Reinsurance


For the Years Ended December 31,
Claims Incurred Year

2015
Unaudited

2016
Unaudited

2017


(in millions)
2015

$
4,774


$
5,327


$
5,333

2016



4,700


5,226

2017





4,843

Total






$
15,402

All outstanding benefit liabilities before 2015, net of reinsurance

N/A

Benefits payable, net of reinsurance

$
568

Activity in benefits payable for our Retail segment was as follows for the years ended December 31, 2017, 2016 and 2015:
 
 
2017
 
2016
 
2015
 
 
(in millions)
Balances at January 1
 
$
3,506

 
$
3,600

 
$
3,428

Less: Reinsurance recoverables
 
(76
)
 
(85
)
 
(78
)
Balances at January 1, net
 
3,430

 
3,515

 
3,350

Incurred related to:
 
 
 
 
 
 
Current year
 
38,604

 
37,212

 
36,299

Prior years
 
(386
)
 
(429
)
 
(248
)
Total incurred
 
38,218

 
36,783

 
36,051

Paid related to:
 
 
 
 
 
 
Current year
 
(34,781
)
 
(33,784
)
 
(32,874
)
Prior years
 
(2,974
)
 
(3,084
)
 
(3,012
)
Total paid
 
(37,755
)
 
(36,868
)
 
(35,886
)
Reinsurance recoverable
 
70

 
76

 
85

Balances at December 31
 
$
3,963

 
$
3,506

 
$
3,600

Activity in benefits payable for our Individual Commercial segment, was as follows for the years ended December 31, 2017, 2016 and 2015:
 
 
2017
 
2016
 
2015
 
 
(in millions)
Balances at January 1
 
$
454

 
$
741

 
$
424

Less: Premium deficiency reserve
 
—

 
(176
)
 
—

Balances at January 1, net
 
454

 
565

 
424

Incurred related to:
 
 
 
 
 
 
Current year
 
669

 
3,677

 
3,512

Prior years
 
(56
)
 
(106
)
 
20

Total incurred
 
613

 
3,571

 
3,532

Paid related to:
 
 
 
 
 
 
Current year
 
(583
)
 
(3,233
)
 
(2,966
)
Prior years
 
(383
)
 
(449
)
 
(425
)
Total paid
 
(966
)
 
(3,682
)
 
(3,391
)
Premium deficiency reserve
 
—

 
—

 
176

Balances at December 31
 
$
101

 
$
454

 
$
741