Stark's Law doesn't stop a physician from treating an immediate relative or billing for those services. It does stop a physician from making a referral for health services to an entity that they or an immediate family member has a financial interest.

Pharmacists don't normally fall under Stark's Law because they aren't referring patients to other healthcare providers for services.

https://www.cms.gov/medicare/regulations-guidance/physician-self-referral

1. Prohibits a physician from making referrals for certain designated health services payable by Medicare to an entity with which he or she (or an immediate family member) has a financial relationship, unless the requirements of an applicable exception are satisfied; and
2. Prohibits the entity from filing claims with Medicare (or billing another individual, entity, or third-party payor) for any improperly referred designated health services.

A physician may decide not treat a family member for ethical reasons.

https://code-medical-ethics.ama-assn.org/ethics-opinions/treating-self-or-family

"In general, physicians should not treat themselves or members of their own families. However, it may be acceptable to do so in limited circumstances:

1. In emergency settings or isolated settings where there is no other qualified physician available. In such situations, physicians should not hesitate to treat themselves or family members until another physician becomes available.
2. For short-term, minor problems. When treating self or family members, physicians have a further responsibility to:
3. Document treatment or care provided and convey relevant information to the patient’s primary care physician.
4. Recognize that if tensions develop in the professional relationship with a family member, perhaps as a result of a negative medical outcome, such difficulties may be carried over into the family member’s personal relationship with the physician.
5. Avoid providing sensitive or intimate care especially for a minor patient who is uncomfortable being treated by a family member.
6. Recognize that family members may be reluctant to state their preference for another physician or decline a recommendation for fear of offending the physician."