Humana Inc was organized as a Delaware corporation in 1964. The Company is a health care company that offers insurance products and health and wellness services. Its segments include Retail, Employer Group, and Healthcare Services. These segments are based on a combination of the type of health plan customer and adjacent businesses centered on integrated care delivery for its health plans and other customers. 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, and includes its contract with Centers for Medicare and Medicaid Services, or CMS, to administer the LI-NET prescription drug plan program, and contracts with various states to provide Medicaid, dual eligible, and Long-Term Support Services benefits, collectively its state-based contracts. 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 voluntary benefit products, as well as administrative services only products, or ASO, and its health and wellness products marketed to employer groups. The Healthcare Services segment includes services offered to its health plan members as well as to third parties, including pharmacy, provider services, home based services, integrated behavioral health services, and predictive modeling and informatics services. The Other Businesses category consists of its military services. Its TRICARE South Region contract, Puerto Rico Medicaid, and closed-block long-term care insurance policies. The Company's competitors vary by local market and include other managed care companies, national insurance companies, and other HMOs and PPOs, including HMOs and PPOs owned by Blue Cross/Blue Shield plans.