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SEGMENT INFORMATION (Tables)
12 Months Ended
Dec. 31, 2016
Segment Reporting [Abstract]  
Schedule of Segment Reporting Information, By Segment
Our segment results were as follows for the years ended December 31, 2016, 2015, and 2014:
 
Retail
 
Group and Specialty
 
Healthcare Services
 
Individual Commercial
 
Other Businesses
 
Eliminations/
Corporate
 
Consolidated
 
(in millions)
2016
 
 
 
 
 
 
 
 
 
 
 
 
 
Revenues—external customers
 
 
 
 
 
 
 
 
 
 
 
 
 
Premiums:
 
 
 
 
 
 
 
 
 
 
 
 
 
Individual Medicare Advantage
$
31,863

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
31,863

Group Medicare Advantage
4,283

 
—

 
—

 
—

 
—

 
—

 
4,283

Medicare stand-alone PDP
4,009

 
—

 
—

 
—

 
—

 
—

 
4,009

Total Medicare
40,155

 
—

 
—

 
—

 
—

 
—

 
40,155

Fully-insured
428

 
5,405

 
—

 
3,064

 
—

 
—

 
8,897

Specialty
—

 
1,279

 
—

 
—

 
—

 
—

 
1,279

Medicaid and other
2,640

 
12

 
—

 
—

 
38

 
—

 
2,690

Total premiums
43,223

 
6,696

 
—

 
3,064

 
38

 
—

 
53,021

Services revenue:
 
 
 
 
 
 
 
Provider
—

 
—

 
278

 
—

 
—

 
—

 
278

ASO and other
6

 
643

 
1

 
—

 
10

 
—

 
660

Pharmacy
—

 
—

 
31

 
—

 
—

 
—

 
31

Total services revenue
6

 
643

 
310

 
—

 
10

 
—

 
969

Total revenues—external customers
43,229

 
7,339

 
310

 
3,064

 
48

 
—

 
53,990

Intersegment revenues
 
 
 
 
 
 
 
 
 
 
 
 
 
Services
—

 
22

 
18,979

 
—

 
—

 
(19,001
)
 
—

Products
—

 
—

 
5,993

 
—

 
—

 
(5,993
)
 
—

Total intersegment revenues
—

 
22

 
24,972

 
—

 
—

 
(24,994
)
 
—

Investment income
90

 
25

 
30

 
5

 
66

 
173

 
389

Total revenues
43,319

 
7,386

 
25,312

 
3,069

 
114

 
(24,821
)
 
54,379

Operating expenses:
 
 
 
 
 
 
 
Benefits
36,783

 
5,233

 
—

 
3,301

 
617

 
(927
)
 
45,007

Operating costs
4,650

 
1,727

 
24,073

 
601

 
16

 
(23,790
)
 
7,277

Depreciation and amortization
196

 
82

 
143

 
36

 
1

 
(104
)
 
354

Total operating expenses
41,629

 
7,042

 
24,216

 
3,938

 
634

 
(24,821
)
 
52,638

Income (loss) from operations
1,690

 
344

 
1,096

 
(869
)
 
(520
)
 
—

 
1,741

Interest expense
—

 
—

 
—

 
—

 
—

 
189

 
189

Income (loss) before income taxes
$
1,690

 
$
344

 
$
1,096

 
$
(869
)
 
$
(520
)
 
$
(189
)
 
$
1,552


Premium and services revenues derived from our contracts with the federal government, as a percentage of our total premium and services revenues, was approximately 75% for 2016, compared to 73% for 2015, and 73% for 2014.
Premiums revenue for our Retail segment for 2016 includes a reduction of $583 million associated with the write-off of commercial risk corridor receivables as discussed more fully in Note 7.
Benefits expense for Other Businesses for 2016 includes $505 million for reserve strengthening associated with our closed block of long-term care insurance policies as discussed more fully in Note 18.
 
Retail
 
Group and Specialty
 
Healthcare Services
 
Individual Commercial
 
Other Businesses
 
Eliminations/
Corporate
 
Consolidated
 
(in millions)
2015
 
 
 
 
 
 
 
 
 
 
 
 
 
Revenues—external customers
 
 
 
 
 
 
 
 
 
 
 
 
 
Premiums:
 
 
 
 
 
 
 
 
 
 
 
 
 
Individual Medicare Advantage
$
29,526

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
29,526

Group Medicare Advantage
5,588

 
—

 
—

 
—

 
—

 
—

 
5,588

Medicare stand-alone PDP
3,846

 
—

 
—

 
—

 
—

 
—

 
3,846

Total Medicare
38,960

 
—

 
—

 
—

 
—

 
—

 
38,960

Fully-insured
304

 
5,493

 
—

 
3,939

 
—

 
—

 
9,736

Specialty
—

 
1,316

 
—

 
—

 
—

 
—

 
1,316

Medicaid and other
2,341

 
21

 
—

 
—

 
35

 
—

 
2,397

Total premiums
41,605

 
6,830

 
—

 
3,939

 
35

 
—

 
52,409

Services revenue:
 
 
 
 
 
 
 
 
 
 
 
 
 
Provider
—

 
—

 
695

 
—

 
—

 
—

 
695

ASO and other
8

 
658

 
1

 
—

 
14

 
—

 
681

Pharmacy
—

 
—

 
30

 
—

 
—

 
—

 
30

Total services revenue
8

 
658

 
726

 
—

 
14

 
—

 
1,406

Total revenues—external customers
41,613

 
7,488

 
726

 
3,939

 
49

 
—

 
53,815

Intersegment revenues
 
 
 
 
 
 
 
 
 
 
 
 
 
Services
—

 
20

 
18,127

 
—

 
—

 
(18,147
)
 
—

Products
—

 
—

 
4,923

 
—

 
—

 
(4,923
)
 
—

Total intersegment revenues
—

 
20

 
23,050

 
—

 
—

 
(23,070
)
 
—

Investment income
122

 
34

 
—

 
4

 
76

 
238

 
474

Total revenues
41,735

 
7,542

 
23,776

 
3,943

 
125

 
(22,832
)
 
54,289

Operating expenses:
 
 
 
 
 
 
 
 
 
 
 
 
 
Benefits
36,052

 
5,382

 
—

 
3,589

 
87

 
(841
)
 
44,269

Operating costs
4,267

 
1,755

 
22,598

 
756

 
14

 
(22,072
)
 
7,318

Depreciation and amortization
157

 
84

 
156

 
31

 
—

 
(73
)
 
355

Total operating expenses
40,476

 
7,221

 
22,754

 
4,376

 
101

 
(22,986
)
 
51,942

Income from operations
1,259

 
321

 
1,022

 
(433
)
 
24

 
154

 
2,347

Gain on sale of business
—

 
—

 
—

 
—

 
—

 
270

 
270

Interest expense
—

 
—

 
—

 
—

 
—

 
186

 
186

Income before income taxes
$
1,259

 
$
321

 
$
1,022

 
$
(433
)
 
$
24

 
$
238

 
$
2,431

Benefits expense for the Individual Commercial segment for 2015 includes $176 million for a provision for probable future losses (premium deficiency) for individual commercial medical business compliant with the Health Care Reform Law for the 2016 coverage year as discussed more fully in Note 7.
 
Retail
 
Group and Specialty
 
Healthcare Services
 
Individual Commercial
 
Other Businesses
 
Eliminations/
Corporate
 
Consolidated
 
(in millions)
2014
 
 
 
 
 
 
 
 
 
 
 
 
 
Revenues—external customers
 
 
 
 
 
 
 
 
 
 
 
 
 
Premiums:
 
 
 
 
 
 
 
 
 
 
 
 
 
Individual Medicare Advantage
$
25,782

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
25,782

Group Medicare Advantage
5,490

 
—

 
—

 
—

 
—

 
—

 
5,490

Medicare stand-alone PDP
3,404

 
—

 
—

 
—

 
—

 
—

 
3,404

Total Medicare
34,676

 
—

 
—

 
—

 
—

 
—

 
34,676

Fully-insured
246

 
5,339

 
—

 
3,019

 
—

 
—

 
8,604

Specialty
—

 
1,354

 
—

 
—

 
—

 
—

 
1,354

Medicaid and other
1,255

 
19

 
—

 
—

 
51

 
—

 
1,325

Total premiums
36,177

 
6,712

 
—

 
3,019

 
51

 
—

 
45,959

Services revenue:
 
 
 
 
 
 
 
 
 
 
 
 
 
Provider
—

 
—

 
1,277

 
—

 
—

 
—

 
1,277

ASO and other
37

 
741

 
1

 
—

 
9

 
—

 
788

Pharmacy
—

 
—

 
99

 
—

 
—

 
—

 
99

Total services revenue
37

 
741

 
1,377

 
—

 
9

 
—

 
2,164

Total revenues—external customers
36,214

 
7,453

 
1,377

 
3,019

 
60

 
—

 
48,123

Intersegment revenues
 
 
 
 
 
 
 
 
 
 
 
 
 
Services
—

 
18

 
15,227

 
—

 
—

 
(15,245
)
 
—

Products
—

 
—

 
3,749

 
—

 
—

 
(3,749
)
 
—

Total intersegment revenues
—

 
18

 
18,976

 
—

 
—

 
(18,994
)
 
—

Investment income
89

 
30

 
—

 
1

 
60

 
197

 
377

Total revenues
36,303

 
7,501

 
20,353

 
3,020

 
120

 
(18,797
)
 
48,500

Operating expenses:
 
 
 
 
 
 
 
 
 
 
 
 
 
Benefits
31,025

 
5,269

 
—

 
2,398

 
102

 
(628
)
 
38,166

Operating costs
3,843

 
1,930

 
19,414

 
647

 
17

 
(18,212
)
 
7,639

Depreciation and amortization
138

 
94

 
168

 
23

 
—

 
(90
)
 
333

Total operating expenses
35,006

 
7,293

 
19,582

 
3,068

 
119

 
(18,930
)
 
46,138

Income from operations
1,297

 
208

 
771

 
(48
)
 
1

 
133

 
2,362

Interest expense
—

 
—

 
—

 
—

 
—

 
192

 
192

Income (loss) before income taxes
$
1,297

 
$
208

 
$
771

 
$
(48
)
 
$
1

 
$
(59
)
 
$
2,170