Final answer:
Option 1: Primary Care Physician could represent a member in a closed-panel HMO.
Step-by-step explanation:
A closed-panel HMO is a type of health maintenance organization where members are required to choose a primary care physician from a specific panel of providers. Option 1, Primary Care Physician, could represent a member in a closed-panel HMO. Option 2, Urgent Care Facility, and Option 4, Out-of-Network Hospital, are not typically included in the panel of providers of a closed-panel HMO. Option 3, Any Specialist without referral, might be included in a closed-panel HMO, but it would require a referral from the primary care physician.