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Medical Claims Liability (Tables)

12 Months Ended

Dec. 31, 2018

Insurance [Abstract]

Schedule Of Change In Medical Claims Liability by Operating Segment

The following table summarizes the change in medical claims liability ($ in millions):

		Year Ended December 31,
		2018				2017				2016
Balance, January 1		$	4,286			$	3,929			$	2,298
Less: reinsurance recoverable		18				5				—
Balance, January 1, net		4,268				3,924				2,298
Acquisitions		1,204				—				1,482
Less: acquired reinsurance recoverable		8				—				—
Incurred related to:
Current year		46,484				38,225				30,946
Prior years		(427		)		(374		)		(310		)
Total incurred		46,057				37,851				30,636
Paid related to:
Current year		41,161				34,196				28,532
Prior years		3,556				3,311				1,960
Total paid		44,717				37,507				30,492
Balance at December 31, net		6,804				4,268				3,924
Plus: reinsurance recoverable		27				18				5
Balance, December 31		$	6,831			$	4,286			$	3,929

Short-duration Insurance Contracts, Claims Development

Incurred and paid claims development as of December 31, 2018 is as follows ($ in millions):

Cumulative Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance
For the Years Ended December 31,
Claim Year		2016 (unaudited)				2017 (unaudited)				2018
2016		$	42,512			$	41,947			$	41,890
2017						47,310				46,738
2018										51,309
		Total incurred claims								$	139,937
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance
For the Years Ended December 31,
Claim Year		2016 (unaudited)				2017 (unaudited)				2018
2016		$	37,876			$	41,679			$	41,803
2017						41,972				46,512
2018										44,818
		Total payment of incurred claims								$	133,133
		Medical claims liability, net of reinsurance								$	6,804

Information is summarized as follows (in millions):

	December 31, 2018
	Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance				Total IBNR Plus Expected Development on Reported Claims				Cumulative Paid Claims
2016				$				41,890					$	3			228.8
2017	46,738				60				256.7
2018	51,309				5,092				266.8

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- References

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- Definition

Tabular disclosure of the activity in the reserve for settling insured claims and expenses incurred in the claims settlement process for the period. The estimated liability includes the amount of money that will be required for future payments of (a) claims that have been reported to the insurer, (b) claims related to insured events that have occurred but that have not been reported to the insurer as of the date the liability is estimated, and (c) claim adjustment expenses. Claim adjustment expenses include costs incurred in the claim settlement process such as legal fees; outside adjuster fees; and costs to record, process, and adjust claims.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 40
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=99382578&loc=d3e14764-158437

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- Definition

Tabular disclosure of undiscounted information about claims development by accident year for short-duration insurance contracts.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 40
-Section 50
-Paragraph 4B
-URI http://asc.fasb.org/extlink&oid=99384497&loc=SL65671311-158438

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