What organization provides coverage to patients?

The correct answer is the payor, as this entity is responsible for providing financial coverage for healthcare services to patients. Payors can include insurance companies, government programs such as Medicare or Medicaid, and other organizations that handle payment for healthcare costs on behalf of patients. By covering a portion or the entirety of medical bills, payors help to alleviate the financial burden that healthcare can impose on individuals.

In a healthcare context, providers are the medical professionals or institutions delivering care, while subscribers refer to individuals enrolled in an insurance plan. Members might be used interchangeably with subscribers but do not specifically indicate the organization providing the coverage. Thus, the payor is uniquely positioned as the entity that directly supports the payment aspect of healthcare, making it the correct choice.