Humana Inc. offers a range of insurance products, and health and wellness services in the United States. As of December 31, 2012, the company had approximately 12.1 million members in its medical benefit plans, as well as approximately 8.1 million members in its specialty products. It provided health insurance coverage to approximately 384,200 members. Segments The company’s segments include Retail, Employer Group, and Health and Well-Being Services. The Retail segment consists of Medicare and commercial fully-insured medical and specialty health insurance benefits, including dental, vision, and other supplemental health and financial protection products, marketed directly to individuals. The Employer Group segment consists of Medicare and commercial fully-insured medical and specialty health insurance benefits, including dental, vision, and other supplemental health and financial protection products, as well as administrative services only products marketed to employer groups. The Health and Well-Being Services segment includes services offered to the company’s health plan members, as well as to third parties that promote health and wellness, including provider services, pharmacy, integrated wellness, and home care services. The Other Businesses category consists of its military services, primarily its TRICARE South Region contract, Medicaid, and closed-block long-term care businesses, as well as its contract with the Centers for Medicare and Medicaid Services (CMS) to administer the Limited Income Newly Eligible Transition program (the LI-NET program). Products The company’s medical and specialty insurance products allow members to access health care services primarily through its networks of health care providers with whom it have contracted. These products may vary in the degree to which members have coverage. Health maintenance organizations (HMOs) generally require a referral from the member’s primary care provider before seeing certain specialty physicians. Preferred provider organizations (PPOs) provide members the freedom to choose a health care provider without requiring a referral. The company offers services to its health plan members, as well as to third parties that promote health and wellness, including pharmacy, provider services, integrated wellness, and home care services. Retail Segment Products This segment consists of products sold on a retail basis to individuals, including medical and supplemental benefit plans. Individual Medicare The company participates in the Medicare program for private health plans and established a national presence, offering at least 1 type of Medicare plan in all 50 states. The company employs strategies, including health assessments and clinical guidance programs, such as lifestyle and fitness programs for seniors to guide Medicare beneficiaries in making decisions with respect to their health care. Medicare is a federal program that provides persons age 65 and over and some disabled persons under the age of 65 certain hospital and medical insurance benefits. CMS, an agency of the United States Department of Health and Human Services, administers the Medicare program. Hospitalization benefits are provided under Part A, without the payment of any premium, for up to 90 days per incident of illness plus a lifetime reserve aggregating 60 days. Eligible beneficiaries are required to pay an annually adjusted premium to the federal government to be eligible for physician care and other services under Part B. Beneficiaries eligible for Part A and Part B coverage under original Medicare are still required to pay out-of-pocket deductibles and coinsurance. Prescription drug benefits are provided under Part D. Individual Medicare Advantage Products: The company contracts with CMS under the Medicare Advantage program to provide a range of health insurance benefits, including wellness programs, to Medicare eligible persons under HMO, PPO, and Private Fee-For-Service (PFFS), plans in exchange for contractual payments received from CMS, usually a fixed payment per member per month. Most Medicare Advantage plans offer the prescription drug benef