I have three there, I guess it's standard. The thing is that when I create a campaign, I am presented with one (!) dropdown menu where I can select one segment. There is no combination of these three segments.
Not sure how this looks at your end (or if I fully understand),
can you see, under lists, the different segments of the list you want to use?
And have they been created by using the available list custom field tags?
@OptiBiz1 - A segment by definition is a list of conditions.
So you define it and put your conditions there ( women, aged between 45-55, living in a certain area. ) then select that segment in campaign.