The correct verb is "are" (plural) because the subject (i.e. "membership and coverage") is plural.

Have you ever tried to drink from a water fountain wherein somebody has deposited a wad of chewed gum? Have you ever run your hand under a desk and found wads of used gum stuck there? Have you ever tried to remove ground-in gum from library carpet? Have you or the school nurse had to … Read more

Kyle is correct.

These pronouns are used as adjectives. And the pronoun is one of the seven parts of speech: Noun, pronoun,verb, adjective, adverb, preposition, conjunction, and interjection.