cost amount could have a material adverse effect on our business . these changes may include , for example , an increase or reduction in the number of persons enrolled or eligible to enroll due to the federal government 2019s decision to increase or decrease u.s . military presence around the world . in the event government reimbursements were to decline from projected amounts , our failure to reduce the health care costs associated with these programs could have a material adverse effect on our business . during 2004 , we completed a contractual transition of our tricare business . on july 1 , 2004 , our regions 2 and 5 contract servicing approximately 1.1 million tricare members became part of the new north region , which was awarded to another contractor . on august 1 , 2004 , our regions 3 and 4 contract became part of our new south region contract . on november 1 , 2004 , the region 6 contract with approximately 1 million members became part of the south region contract . the members added with the region 6 contract essentially offset the members lost four months earlier with the expiration of our regions 2 and 5 contract . for the year ended december 31 , 2005 , tricare premium revenues were approximately $ 2.4 billion , or 16.9% ( 16.9 % ) of our total premiums and aso fees . part of the tricare transition during 2004 included the carve out of the tricare senior pharmacy and tricare for life program which we previously administered on as aso basis . on june 1 , 2004 and august 1 , 2004 , administrative services under these programs were transferred to another contractor . for the year ended december 31 , 2005 , tricare administrative services fees totaled $ 50.1 million , or 0.4% ( 0.4 % ) of our total premiums and aso fees . our products marketed to commercial segment employers and members consumer-choice products over the last several years , we have developed and offered various commercial products designed to provide options and choices to employers that are annually facing substantial premium increases driven by double-digit medical cost inflation . these consumer-choice products , which can be offered on either a fully insured or aso basis , provided coverage to approximately 371100 members at december 31 , 2005 , representing approximately 11.7% ( 11.7 % ) of our total commercial medical membership as detailed below . consumer-choice membership other commercial membership commercial medical membership .

Table: consumer-choice membership other commercial membership commercial medical membership fully insured 184000 1815800 1999800 administrative services only 187100 983900 1171000 total commercial medical 371100 2799700 3170800

these products are often offered to employer groups as 201cbundles 201d , where the subscribers are offered various hmo and ppo options , with various employer contribution strategies as determined by the employer . paramount to our consumer-choice product strategy , we have developed a group of innovative consumer products , styled as 201csmart 201d products , that we believe will be a long-term solution for employers . we believe this new generation of products provides more ( 1 ) choices for the individual consumer , ( 2 ) transparency of provider costs , and ( 3 ) benefit designs that engage consumers in the costs and effectiveness of health care choices . innovative tools and technology are available to assist consumers with these decisions , including the trade-offs between higher premiums and point-of-service costs at the time consumers choose their plans , and to suggest ways in which the consumers can maximize their individual benefits at the point they use their plans . we believe that when consumers can make informed choices about the cost and effectiveness of their health care , a sustainable long term solution for employers can be realized . smart products , which accounted for approximately 65.1% ( 65.1 % ) of enrollment in all of our consumer-choice plans as of december 31 , 2005 , only are sold to employers who use humana as their sole health insurance carrier. .

Question: what is the value of the total premiums and aso fees , in billions?
Answer: 12.525
Calculation: divide(divide(multiply(50.1, const_100), 0.4), const_1000)
Explanation: considering the $ 50.1 million as 0.4% , the total 100% is calculated by multiplying the 50.1 by 100 , then dividing by 0.4 .