Optics 7 Practice Test 2025 – Complete Exam Prep

In the context of health insurance, a member refers to a person who holds the insurance coverage. This individual is typically the one who enrolls in a health plan and is entitled to the benefits provided under that policy, such as access to medical care, preventive services, and other health-related benefits. Members can also include additional individuals covered under the primary member's plan, but fundamentally, the term highlights the individual coverage aspect of the insurance.

The other roles mentioned, such as a spouse of the subscriber, healthcare provider, or financial advisor, do not fit the definition of a member in a health insurance context. While a spouse may be a dependent or part of a family plan, they are not the primary member unless they are the one holding the policy. Healthcare providers are entities or individuals who deliver medical services, and financial advisors generally assist with financial planning but are not directly involved as insured individuals within the health insurance framework.