Which of the following describes the amount that the member pays for a service, whether it is covered by insurance or not?

The term that describes the amount that the member pays for a service, regardless of whether it is covered by insurance, is "out of pocket." This encompasses all expenses incurred by the member for healthcare services, including those that may not be reimbursed by insurance. It indicates the total financial responsibility of the member for healthcare costs, which could include deductibles, coinsurance, and any other payments made for services that might not be fully covered.

In contrast, a deductible refers to the specific amount that must be paid out of pocket before insurance begins to pay for covered services. A premium is the amount paid regularly to maintain insurance coverage and is not a direct cost associated with individual services. Coinsurance involves sharing costs with the insurance company after a deductible has been met, typically defined as a percentage of the service cost. Understanding these distinctions clarifies why "out of pocket" is the most accurate expression of the total member expenditure on services, encompassing both covered and non-covered expenses.