Our segment results were as follows for the years ended December 31, 2013, 2012, and 2011:


	Retail		Employer Group		Healthcare Services		Other Businesses			Eliminations/ Corporate			Consolidated
	(in millions)
2013
Revenues – external customers
Premiums:
Medicare Advantage	$	22,481	$	4,710	$	0	$	0		$	0		$	27,191
Medicare stand-alone PDP		3,025		8		0		0			0			3,033

Total Medicare		25,506		4,718		0		0			0			30,224

Fully-insured		1,160		5,117		0		0			0			6,277
Specialty		210		1,095		0		0			0			1,305
Military services		0		0		0		25			0			25
Medicaid and other		328		0		0		670			0			998

Total premiums		27,204		10,930		0		695			0			38,829

Services revenue:
Provider		0		21		1,221		0			0			1,242
ASO and other		16		338		0		454			0			808
Pharmacy		0		0		59		0			0			59

Total services revenue		16		359		1,280		454			0			2,109

Total revenues – external customers		27,220		11,289		1,280		1,149			0			40,938

Intersegment revenues
Services		0		51		11,808		0			(11,859	)		0
Products		0		0		2,803		0			(2,803	)		0

Total intersegment revenues		0		51		14,611		0			(14,662	)		0

Investment income		74		42		0		59			200			375

Total revenues		27,294		11,382		15,891		1,208			(14,462	)		41,313

Operating expenses:
Benefits		22,914		9,124		0		935			(409	)		32,564
Operating costs		2,963		1,806		15,223		446			(14,083	)		6,355
Depreciation and amortization		134		102		147		20			(70	)		333

Total operating expenses		26,011		11,032		15,370		1,401			(14,562	)		39,252

Income (loss) from operations		1,283		350		521		(193	)		100			2,061
Interest expense		0		0		0		0			140			140

Income (loss) before income taxes	$	1,283	$	350	$	521	$	(193	)	$	(40	)	$	1,921


	Retail		Employer Group		Healthcare Services		Other Businesses			Eliminations/ Corporate			Consolidated
	(in millions)
2012
Revenues – external customers
Premiums:
Medicare Advantage	$	20,788	$	4,064	$	0	$	0		$	0		$	24,852
Medicare stand-alone PDP		2,853		8		0		0			0			2,861

Total Medicare		23,641		4,072		0		0			0			27,713

Fully-insured		1,004		4,996		0		0			0			6,000
Specialty		171		1,070		0		0			0			1,241
Military services		0		0		0		1,017			0			1,017
Medicaid and other		185		0		0		853			0			1,038

Total premiums		25,001		10,138		0		1,870			0			37,009

Services revenue:
Provider		0		13		1,007		0			0			1,020
ASO and other		24		358		0		308			0			690
Pharmacy		0		0		16		0			0			16

Total services revenue		24		371		1,023		308			0			1,726

Total revenues – external customers		25,025		10,509		1,023		2,178			0			38,735

Intersegment revenues
Services		2		31		9,680		0			(9,713	)		0
Products		0		0		2,342		0			(2,342	)		0

Total intersegment revenues		2		31		12,022		0			(12,055	)		0

Investment income		79		42		0		58			212			391

Total revenues		25,106		10,582		13,045		2,236			(11,843	)		39,126

Operating expenses:
Benefits		21,048		8,471		0		1,802			(336	)		30,985
Operating costs		2,767		1,710		12,530		436			(11,613	)		5,830
Depreciation and amortization		130		89		87		16			(27	)		295

Total operating expenses		23,945		10,270		12,617		2,254			(11,976	)		37,110

Income (loss) from operations		1,161		312		428		(18	)		133			2,016
Interest expense		0		0		0		0			105			105

Income (loss) before income taxes	$	1,161	$	312	$	428	$	(18	)	$	28		$	1,911


	Retail		Employer Group		Healthcare Services		Other Businesses		Eliminations/ Corporate			Consolidated
	(in millions)
2011
Revenues – external customers
Premiums:
Medicare Advantage	$	18,100	$	3,152	$	0	$	0	$	0		$	21,252
Medicare stand-alone PDP		2,570		8		0		0		0			2,578

Total Medicare		20,670		3,160		0		0		0			23,830

Fully-insured		861		4,782		0		0		0			5,643
Specialty		124		935		0		0		0			1,059
Military services		0		0		0		3,616		0			3,616
Medicaid and other		176		0		0		782		0			958

Total premiums		21,831		8,877		0		4,398		0			35,106

Services revenue:
Provider		0		1		891		0		0			892
ASO and other		16		356		0		85		0			457
Pharmacy		0		0		11		0		0			11

Total services revenue		16		357		902		85		0			1,360

Total revenues – external customers		21,847		9,234		902		4,483		0			36,466

Intersegment revenues
Services		0		18		8,650		0		(8,668	)		0
Products		0		0		1,820		0		(1,820	)		0

Total intersegment revenues		0		18		10,470		0		(10,488	)		0

Investment income		76		48		0		54		188			366

Total revenues		21,923		9,300		11,372		4,537		(10,300	)		36,832

Operating expenses:
Benefits		17,753		7,318		0		4,041		(289	)		28,823
Operating costs		2,421		1,641		10,951		445		(10,063	)		5,395
Depreciation and amortization		119		88		79		10		(26	)		270

Total operating expenses		20,293		9,047		11,030		4,496		(10,378	)		34,488

Income (loss) from operations		1,630		253		342		41		78			2,344
Interest expense		0		0		0		0		109			109

Income (loss) before income taxes	$	1,630	$	253	$	342	$	41	$	(31	)	$	2,235