Humana is a for-profit health insurance company. The Company manages its business with three segments: Retail, Group, and Healthcare Services. The Retail segment consists of medicare benefits, marketed to individuals or directly via group accounts, as well as individual commercial fully-insured medical and specialty health insurance benefits. The Group segment consists of employer group commercial fully-insured medical and specialty health insurance benefits, including dental, vision, and other supplemental health and voluntary insurance benefits. The Healthcare Services segment includes services offered to the health plan members as well as to third parties, including pharmacy solutions, provider services, home based services, and clinical programs.