let me rephrase my requirement.

User is creating a claim for a patient/member (patient address) and provider is doctor(doctor billing address) and service location (where patient was treated).

address is common in all 3 tables

1. should i create a address table or have address columns in all 3 tables.

2. create FK columns for patient, provider and location in address table

3. Create address table and add address PK as FK to each table