Exhibit 12
Humana Inc.
Computation of Ratio of Earnings to Fixed Charges
For the nine months ended September 30, 
For the twelve months ended December 31,  
2012  2011  2010  2009  2008  2007  
(Dollars in millions)  
Income before income taxes 
$  1,030  $  2,235  1,749  1,602  993  1,289  
Fixed charges 
132  178  157  160  128  109  













Total earnings 
$  1,162  $  2,413  1,906  1,762  1,121  1,398  













Interest charged to expense 
$  78  $  109  105  106  80  69  
Onethird of rent expense 
54  69  52  54  48  40  













Total fixed charges 
$  132  $  178  157  160  128  109  













Ratio of earnings to fixed charges (1)(2) 
8.8x  13.6x  12.1x  11.0x  8.8x  12.8x  












Notes
(1)  For the purposes of determining the ratio of earnings to fixed charges, earnings consist of income before income taxes and fixed charges. Fixed charges include gross interest expense, amortization of deferred financing expenses and an amount equivalent to interest included in rental charges. Onethird of rental expense represents a reasonable approximation of the interest amount. 
(2)  There are no shares of preferred stock outstanding. 