Our segment results were as follows for the three and six months ended June 30, 2014 and 2013, respectively:


	Retail		Employer Group		Healthcare Services		Other Businesses		Eliminations/ Corporate			Consolidated
	(in millions)
Three months ended June 30, 2014
Revenues—external customers
Premiums:
Medicare Advantage	$	6,475	$	1,366	$	—	$	—	$	—		$	7,841
Medicare stand-alone PDP		939		2		—		—		—			941

Total Medicare		7,414		1,368		—		—		—			8,782

Fully-insured		912		1,321		—		—		—			2,233
Specialty		66		275		—		—		—			341
Military services		—		—		—		4		—			4
Medicaid and other		206		—		—		18		—			224

Total premiums		8,598		2,964		—		22		—			11,584

Services revenue:
Provider		—		6		307		—		—			313
ASO and other		13		81		—		114		—			208
Pharmacy		—		—		25		—		—			25

Total services revenue		13		87		332		114		—			546

Total revenues—external customers		8,611		3,051		332		136		—			12,130

Intersegment revenues
Services		—		16		3,697		—		(3,713	)		—
Products		—		—		938		—		(938	)		—

Total intersegment revenues		—		16		4,635		—		(4,651	)		—

Investment income		18		11		—		15		48			92

Total revenues		8,629		3,078		4,967		151		(4,603	)		12,222

Operating expenses:
Benefits		7,283		2,472		—		27		(155	)		9,627
Operating costs		982		492		4,726		103		(4,468	)		1,835
Depreciation and amortization		35		25		35		4		(20	)		79

Total operating expenses		8,300		2,989		4,761		134		(4,643	)		11,541

Income from operations		329		89		206		17		40			681
Interest expense		—		—		—		—		35			35

Income before income taxes	$	329	$	89	$	206	$	17	$	5		$	646


	Retail		Employer Group		Healthcare Services		Other Businesses			Eliminations/ Corporate			Consolidated
	(in millions)
Three months ended June 30, 2013
Revenues—external customers
Premiums:
Medicare Advantage	$	5,572	$	1,160	$	—	$	—		$	—		$	6,732
Medicare stand-alone PDP		785		2		—		—			—			787

Total Medicare		6,357		1,162		—		—			—			7,519

Fully-insured		285		1,273		—		—			—			1,558
Specialty		52		275		—		—			—			327
Military services		—		—		—		5			—			5
Medicaid and other		72		—		—		220			—			292

Total premiums		6,766		2,710		—		225			—			9,701

Services revenue:
Provider		—		5		312		—			—			317
ASO and other		2		82		—		114			—			198
Pharmacy		—		—		13		—			—			13

Total services revenue		2		87		325		114			—			528

Total revenues—external customers		6,768		2,797		325		339			—			10,229

Intersegment revenues
Services		—		12		2,906		—			(2,918	)		—
Products		—		—		680		—			(680	)		—

Total intersegment revenues		—		12		3,586		—			(3,598	)		—

Investment income		18		10		—		15			49			92

Total revenues		6,786		2,819		3,911		354			(3,549	)		10,321

Operating expenses:
Benefits		5,696		2,235		—		251			(91	)		8,091
Operating costs		640		423		3,751		129			(3,482	)		1,461
Depreciation and amortization		32		27		36		4			(19	)		80

Total operating expenses		6,368		2,685		3,787		384			(3,592	)		9,632

Income (loss) from operations		418		134		124		(30	)		43			689
Interest expense		—		—		—		—			35			35

Income (loss) before income taxes	$	418	$	134	$	124	$	(30	)	$	8		$	654


	Retail		Employer Group		Healthcare Services		Other Businesses		Eliminations/ Corporate			Consolidated
	(in millions)
Six months ended June 30, 2014
Revenues—external customers
Premiums:
Medicare Advantage	$	12,935	$	2,750	$	—	$	—	$	—		$	15,685
Medicare stand-alone PDP		1,802		4		—		—		—			1,806

Total Medicare		14,737		2,754		—		—		—			17,491

Fully-insured		1,437		2,650		—		—		—			4,087
Specialty		125		550		—		—		—			675
Military services		—		—		—		10		—			10
Medicaid and other		375		—		—		29		—			404

Total premiums		16,674		5,954		—		39		—			22,667

Services revenue:
Provider		—		11		597		—		—			608
ASO and other		27		162		—		241		—			430
Pharmacy		—		—		46		—		—			46

Total services revenue		27		173		643		241		—			1,084

Total revenues—external customers		16,701		6,127		643		280		—			23,751

Intersegment revenues
Services		—		35		7,151		—		(7,186	)		—
Products		—		—		1,784		—		(1,784	)		—

Total intersegment revenues		—		35		8,935		—		(8,970	)		—

Investment income		37		21		—		30		95			183

Total revenues		16,738		6,183		9,578		310		(8,875	)		23,934

Operating expenses:
Benefits		14,170		4,828		—		55		(302	)		18,751
Operating costs		1,905		991		9,116		205		(8,597	)		3,620
Depreciation and amortization		72		49		71		8		(39	)		161

Total operating expenses		16,147		5,868		9,187		268		(8,938	)		22,532

Income from operations		591		315		391		42		63			1,402
Interest expense		—		—		—		—		70			70

Income (loss) before income taxes	$	591	$	315	$	391	$	42	$	(7	)	$	1,332


	Retail		Employer Group		Healthcare Services		Other Businesses		Eliminations/ Corporate			Consolidated
	(in millions)
Six months ended June 30, 2013
Revenues—external customers
Premiums:
Medicare Advantage	$	11,308	$	2,350	$	—	$	—	$	—		$	13,658
Medicare stand-alone PDP		1,546		4		—		—		—			1,550

Total Medicare		12,854		2,354		—		—		—			15,208

Fully-insured		564		2,541		—		—		—			3,105
Specialty		101		550		—		—		—			651
Military services		—		—		—		16		—			16
Medicaid and other		151		—		—		438		—			589

Total premiums		13,670		5,445		—		454		—			19,569

Services revenue:
Provider		—		9		618		—		—			627
ASO and other		4		166		—		234		—			404
Pharmacy		—		—		22		—		—			22

Total services revenue		4		175		640		234		—			1,053

Total revenues—external customers		13,674		5,620		640		688		—			20,622

Intersegment revenues
Services		—		23		5,707		—		(5,730	)		—
Products		—		—		1,334		—		(1,334	)		—

Total intersegment revenues		—		23		7,041		—		(7,064	)		—

Investment income		36		21		—		30		98			185

Total revenues		13,710		5,664		7,681		718		(6,966	)		20,807

Operating expenses:
Benefits		11,625		4,412		—		438		(189	)		16,286
Operating costs		1,253		856		7,367		244		(6,813	)		2,907
Depreciation and amortization		64		50		72		8		(34	)		160

Total operating expenses		12,942		5,318		7,439		690		(7,036	)		19,353

Income from operations		768		346		242		28		70			1,454
Interest expense		—		—		—		—		70			70

Income before income taxes	$	768	$	346	$	242	$	28	$	—		$	1,384