Members are encouraged to report fraud to similar organizations based on what criteria?

The correct choice highlights that members are encouraged to report fraud specifically when they suspect financial misconduct. This criterion is essential because fraudulent activities can significantly impact an organization’s integrity, financial stability, and the overall well-being of its members. Reporting such suspicions allows the organization to investigate and address potential issues, thereby protecting all members and maintaining trust in the system.

Other options do not align with the purpose of reporting fraud. Changing a plan or disagreements with a doctor are not directly related to issues of fraud and do not serve the same protective function for the organization or its members. The idea that reporting fraud is a requirement of membership is also misleading, as reporting is encouraged based on observed misconduct rather than being a mandatory action for all members.