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: multiply(50.1, const_100), divide(#0, 0.4), divide(#1, const_1000)