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BENEFITS PAYABLE (Tables)
 12 Months Ended
Dec. 31, 2018
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, 2018, 2017 and 2016:
 
 
2018
 
2017
 
2016
 
 
(in millions)
Balances at January 1
 
$
4,668

 
$
4,563

 
$
4,976

Less: Premium deficiency reserve
 
—

 
—

 
(176
)
Less: Reinsurance recoverables
 
(70
)
 
(76
)
 
(85
)
Balances at January 1, net
 
4,598

 
4,487

 
4,715

Incurred related to:
 
 
 
 
 
 
Current year
 
46,385

 
44,001

 
45,318

Prior years
 
(503
)
 
(483
)
 
(582
)
Total incurred
 
45,882

 
43,518

 
44,736

Paid related to:
 
 
 
 
 
 
Current year
 
(41,736
)
 
(39,496
)
 
(40,852
)
Prior years
 
(3,977
)
 
(3,911
)
 
(4,112
)
Total paid
 
(45,713
)
 
(43,407
)
 
(44,964
)
Reinsurance recoverable
 
95

 
70

 
76

Balances at December 31
 
$
4,862

 
$
4,668

 
$
4,563
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 2018, 2017, and 2016.
 
Favorable Medical Claims Reserve
Development
 
2018
 
2017
 
2016
 
 
Retail Segment
$
(398
)
 
$
(386
)
 
$
(429
)
Group and Specialty Segment
(46
)
 
(40
)
 
(46
)
Individual Commercial Segment
(57
)
 
(56
)
 
(106
)
Other Businesses
(2
)
 
(1
)
 
(1
)
Total
$
(503
)
 
$
(483
)
 
$
(582
)
Benefit Expenses Excluded From Activity in Benefits Payable
Benefits expense excluded from the previous table was as follows for the years ended December 31, 2018, 2017 and 2016:
 
 
2018
 
2017
 
2016
 
 
(in millions)
Premium deficiency reserve for short-duration policies
 
$
—

 
$
—

 
$
(176
)
Military services
 
—

 
—

 
8

Future policy benefits
 
—

 
(22
)
 
439

Total
 
$
—

 
$
(22
)
 
$
271
Schedule Of Benefits Expense
Activity in benefits payable for our Group and Specialty segment, excluding military services, was as follows for the years ended December 31, 2018, 2017 and 2016:
 
 
2018
 
2017
 
2016
 
 
(in millions)
Balances at January 1
 
$
568

 
$
579

 
$
616

Less: Reinsurance recoverables
 
—

 
—

 
—

Balances at January 1, net
 
568

 
579

 
616

Incurred related to:
 
 
 
 
 
 
Current year
 
5,466

 
5,403

 
5,271

Prior years
 
(46
)
 
(40
)
 
(46
)
Total incurred
 
5,420

 
5,363

 
5,225

Paid related to:
 
 
 
 
 
 
Current year
 
(4,957
)
 
(4,843
)
 
(4,700
)
Prior years
 
(514
)
 
(531
)
 
(562
)
Total paid
 
(5,471
)
 
(5,374
)
 
(5,262
)
Balances at December 31
 
$
517

 
$
568

 
$
579

Activity in benefits payable for our Individual Commercial segment, was as follows for the years ended December 31, 2018, 2017 and 2016:
 
 
2018
 
2017
 
2016
 
 
(in millions)
Balances at January 1
 
$
101

 
$
454

 
$
741

Less: Premium deficiency reserve
 
—

 
—

 
(176
)
Balances at January 1, net
 
101

 
454

 
565

Incurred related to:
 
 
 
 
 
 
Current year
 
—

 
669

 
3,677

Prior years
 
(56
)
 
(56
)
 
(106
)
Total incurred
 
(56
)
 
613

 
3,571

Paid related to:
 
 
 
 
 
 
Current year
 
—

 
(583
)
 
(3,233
)
Prior years
 
(38
)
 
(383
)
 
(449
)
Total paid
 
(38
)
 
(966
)
 
(3,682
)
Balances at December 31
 
$
7

 
$
101

 
$
454

Activity in benefits payable for our Retail segment was as follows for the years ended December 31, 2018, 2017 and 2016:
 
 
2018
 
2017
 
2016
 
 
(in millions)
Balances at January 1
 
$
3,963

 
$
3,506

 
$
3,600

Less: Reinsurance recoverables
 
(70
)
 
(76
)
 
(85
)
Balances at January 1, net
 
3,893

 
3,430

 
3,515

Incurred related to:
 
 
 
 
 
 
Current year
 
41,323

 
38,604

 
37,212

Prior years
 
(398
)
 
(386
)
 
(429
)
Total incurred
 
40,925

 
38,218

 
36,783

Paid related to:
 
 
 
 
 
 
Current year
 
(37,189
)
 
(34,781
)
 
(33,784
)
Prior years
 
(3,386
)
 
(2,974
)
 
(3,084
)
Total paid
 
(40,575
)
 
(37,755
)
 
(36,868
)
Reinsurance recoverable
 
95

 
70

 
76

Balances at December 31
 
$
4,338

 
$
3,963

 
$
3,506

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,
2018
Net outstanding liabilities
 
Retail
$
4,243

Group and Specialty
517

Individual Commercial
7

    Benefits payable, net of reinsurance
4,767

Reinsurance recoverable on unpaid claims
 
Retail
95

     Total benefits payable, gross
$
4,862

The following tables provide information about incurred and paid claims development for the Individual Commercial segment as of December 31, 2018, net of reinsurance.
 
 
Incurred Claims, Net of Reinsurance
 
 
For the Years Ended December 31,
Claims Incurred Year
 
2016
Unaudited
 
2017
Unaudited
 
2018
 
 
(in millions)
2016
 
$
3,677

 
$
3,621

 
$
3,609

2017
 

 
669

 
627

2018
 

 

 
—

 Total
 
 
 
 
 
$
4,236




 
 
Cumulative Paid Claims, Net of Reinsurance
 
 
For the Years Ended December 31,
Claims Incurred Year
 
2016
Unaudited
 
2017
Unaudited
 
2018
 
 
(in millions)
2016
 
$
3,233

 
$
3,606

 
$
3,609

2017
 
 
 
583

 
620

2018
 
 
 
 
 
—

Total
 
 
 
 
 
$
4,229

All outstanding benefit liabilities before 2015, net of reinsurance
 
N/A
Benefits payable, net of reinsurance
 
$
7

The following tables provide information about incurred and paid claims development for the Group and Specialty segment as of December 31, 2018, net of reinsurance.
 
 
Incurred Claims, Net of Reinsurance
 
 
For the Years Ended December 31,
Claims Incurred Year
 
2016
Unaudited
 
2017
Unaudited
 
2018


(in millions)
2016
 
$
5,271

 
$
5,234

 
$
5,235

2017
 

 
5,403

 
5,358

2018
 

 

 
5,466

 Total
 
 
 
 
 
$
16,059



Cumulative Paid Claims, Net of Reinsurance


For the Years Ended December 31,
Claims Incurred Year

2016
Unaudited

2017
Unaudited

2018


(in millions)
2016

$
4,700


$
5,226


$
5,234

2017



4,843


5,351

2018





4,957

Total






$
15,542

All outstanding benefit liabilities before 2015, net of reinsurance

N/A

Benefits payable, net of reinsurance

$
517

The following tables provide information about incurred and paid claims development for the Retail segment as of December 31, 2018, net of reinsurance.
 
 
Incurred Claims, Net of Reinsurance
 
 
For the Years Ended December 31,
Claims Incurred Year
 
2016
Unaudited
 
2017
Unaudited
 
2018


(in millions)
2016
 
$
37,212

 
$
36,891

 
$
36,811

2017
 

 
38,604

 
38,341

2018
 

 

 
41,323

 Total
 
 
 
 
 
$
116,475



Cumulative Paid Claims, Net of Reinsurance


For the Years Ended December 31,
Claims Incurred Year

2016
Unaudited

2017
Unaudited

2018


(in millions)
2016

$
33,784


$
36,841


$
36,811

2017



34,781


38,232

2018





37,189

 Total





$
112,232

All outstanding benefit liabilities before 2015, net of reinsurance

N/A

Benefits payable, net of reinsurance

$
4,243