Our segment results were as follows for the three and nine months ended September 30, 2013 and 2012, respectively:


	Retail		Employer Group		Healthcare Services		Other Businesses		Eliminations/ Corporate			Consolidated
					(in millions)
Three months ended September 30, 2013
Revenues—external customers
Premiums:
Medicare Advantage	$	5,552	$	1,193	$	0	$	0	$	0		$	6,745
Medicare stand-alone PDP		740		2		0		0		0			742

Total Medicare		6,292		1,195		0		0		0			7,487

Fully-insured		292		1,278		0		0		0			1,570
Specialty		54		273		0		0		0			327
Military services		0		0		0		6		0			6
Medicaid and other		76		0		0		232		0			308

Total premiums		6,714		2,746		0		238		0			9,698

Services revenue:
Provider		0		5		311		0		0			316
ASO and other		3		84		0		108		0			195
Pharmacy		0		0		17		0		0			17

Total services revenue		3		89		328		108		0			528

Total revenues—external customers		6,717		2,835		328		346		0			10,226

Intersegment revenues
Services		0		14		2,949		0		(2,963	)		0
Products		0		0		716		0		(716	)		0

Total intersegment revenues		0		14		3,665		0		(3,679	)		0

Investment income		19		10		0		15		49			93

Total revenues		6,736		2,859		3,993		361		(3,630	)		10,319

Operating expenses:
Benefits		5,647		2,316		0		230		(118	)		8,075
Operating costs		718		449		3,800		103		(3,530	)		1,540
Depreciation and amortization		33		25		37		5		(17	)		83

Total operating expenses		6,398		2,790		3,837		338		(3,665	)		9,698

Income from operations		338		69		156		23		35			621
Interest expense		0		0		0		0		35			35

Income before income taxes	$	338	$	69	$	156	$	23	$	0		$	586


	Retail		Employer Group		Healthcare Services		Other Businesses		Eliminations/ Corporate			Consolidated
					(in millions)
Three months ended September 30, 2012
Revenues—external customers
Premiums:
Medicare Advantage	$	5,203	$	1,023	$	0	$	0	$	0		$	6,226
Medicare stand-alone PDP		699		2		0		0		0			701

Total Medicare		5,902		1,025		0		0		0			6,927

Fully-insured		255		1,256		0		0		0			1,511
Specialty		45		271		0		0		0			316
Military services		0		0		0		69		0			69
Medicaid and other		47		0		0		218		0			265

Total premiums		6,249		2,552		0		287		0			9,088

Services revenue:
Provider		0		3		268		0		0			271
ASO and other		6		88		0		99		0			193
Pharmacy		0		0		3		0		0			3

Total services revenue		6		91		271		99		0			467

Total revenues—external customers		6,255		2,643		271		386		0			9,555

Intersegment revenues
Services		1		5		2,306		0		(2,312	)		0
Products		0		0		602		0		(602	)		0

Total intersegment revenues		1		5		2,908		0		(2,914	)		0

Investment income		19		11		0		14		52			96

Total revenues		6,275		2,659		3,179		400		(2,862	)		9,651

Operating expenses:
Benefits		5,150		2,168		0		232		(83	)		7,467
Operating costs		675		421		3,013		108		(2,809	)		1,408
Depreciation and amortization		32		23		22		4		(6	)		75

Total operating expenses		5,857		2,612		3,035		344		(2,898	)		8,950

Income from operations		418		47		144		56		36			701
Interest expense		0		0		0		0		26			26

Income before income taxes	$	418	$	47	$	144	$	56	$	10		$	675


	Retail		Employer Group		Healthcare Services		Other Businesses		Eliminations/ Corporate			Consolidated
					(in millions)
Nine months ended September 30, 2013
Revenues—external customers
Premiums:
Medicare Advantage	$	16,860	$	3,543	$	0	$	0	$	0		$	20,403
Medicare stand-alone PDP		2,286		6		0		0		0			2,292

Total Medicare		19,146		3,549		0		0		0			22,695

Fully-insured		856		3,819		0		0		0			4,675
Specialty		155		823		0		0		0			978
Military services		0		0		0		22		0			22
Medicaid and other		227		0		0		670		0			897

Total premiums		20,384		8,191		0		692		0			29,267

Services revenue:
Provider		0		13		930		0		0			943
ASO and other		7		250		0		342		0			599
Pharmacy		0		0		39		0		0			39

Total services revenue		7		263		969		342		0			1,581

Total revenues—external customers		20,391		8,454		969		1,034		0			30,848

Intersegment revenues
Services		0		37		8,556		0		(8,593	)		0
Products		0		0		2,050		0		(2,050	)		0

Total intersegment revenues		0		37		10,606		0		(10,643	)		0

Investment income		55		31		0		45		147			278

Total revenues		20,446		8,522		11,575		1,079		(10,496	)		31,126

Operating expenses:
Benefits		17,272		6,728		0		668		(307	)		24,361
Operating costs		1,971		1,318		11,054		347		(10,243	)		4,447
Depreciation and amortization		97		75		109		13		(51	)		243

Total operating expenses		19,340		8,121		11,163		1,028		(10,601	)		29,051

Income from operations		1,106		401		412		51		105			2,075
Interest expense		0		0		0		0		105			105

Income before income taxes	$	1,106	$	401	$	412	$	51	$	0		$	1,970


	Retail		Employer Group		Healthcare Services		Other Businesses		Eliminations/ Corporate			Consolidated
					(in millions)
Nine months ended September 30, 2012
Revenues—external customers
Premiums:
Medicare Advantage	$	15,604	$	3,059	$	0	$	0	$	0		$	18,663
Medicare stand-alone PDP		2,170		6		0		0		0			2,176

Total Medicare		17,774		3,065		0		0		0			20,839

Fully-insured		749		3,745		0		0		0			4,494
Specialty		125		793		0		0		0			918
Military services		0		0		0		1,006		0			1,006
Medicaid and other		138		0		0		634		0			772

Total premiums		18,786		7,603		0		1,640		0			28,029

Services revenue:
Provider		0		7		742		0		0			749
ASO and other		17		266		0		208		0			491
Pharmacy		0		0		11		0		0			11

Total services revenue		17		273		753		208		0			1,251

Total revenues—external customers		18,803		7,876		753		1,848		0			29,280

Intersegment revenues
Services		2		22		7,130		0		(7,154	)		0
Products		0		0		1,777		0		(1,777	)		0

Total intersegment revenues		2		22		8,907		0		(8,931	)		0

Investment income		58		31		0		43		157			289

Total revenues		18,863		7,929		9,660		1,891		(8,774	)		29,569

Operating expenses:
Benefits		15,905		6,284		0		1,549		(269	)		23,469
Operating costs		1,950		1,285		9,202		325		(8,587	)		4,175
Depreciation and amortization		95		67		61		12		(17	)		218

Total operating expenses		17,950		7,636		9,263		1,886		(8,873	)		27,862

Income from operations		913		293		397		5		99			1,707
Interest expense		0		0		0		0		78			78

Income before income taxes	$	913	$	293	$	397	$	5	$	21		$	1,629