Big Stuff Health Share, doing business as MyOwn Medical Fund is not an insurance company. Neither this publication NOR membership in Big Stuff Health Share are issued or offered by an insurance company. The purpose of this Member Guide is to help Members understand and identify medical needs that qualify for potential reimbursement and the process by which reimbursements are made. This Member Guide is not for the purpose of describing to prospective Members what amounts will be reimbursed by Big Stuff Health Share.
Membership in Big Stuff Health Share does NOT guarantee or promise that a Member’s Eligible Needs will be shared. Rather, membership in the Big Stuff Health Share community merely guarantees the opportunity for Members to care for one another in a time of need and present their medical needs to other Members as outlined in this Member Guide. The financial assistance Members receive will come from other members’ monthly contributions that are placed in a benevolent fund, and not from Big Stuff Health Share.
THIS PUBLICATION AND MEMBERSHIP IN BIG STUFF HEALTH SHARE SHOULD NEVER BE CONSIDERED A HEALTH INSURANCE POLICY. IF THE MEMBERSHIP IS UNABLE TO SHARE IN ALL OR PART OF A MEMBER’S ELIGIBLE MEDICAL NEEDS, EACH MEMBER WILL REMAIN SOLELY FINANCIALLY LIABLE FOR ANY AND ALL UNPAID MEDICAL NEEDS.
THIS MEMBER GUIDE DOES NOT CREATE A LEGALLY ENFORCEABLE CONTRACT BETWEEN BIG STUFF HEALTH SHARE AND ANY OF ITS MEMBERS. NEITHER THESE GUIDELINES, NOR ANY OTHER ARRANGEMENT BETWEEN MEMBERS AND BIG STUFF HEALTH SHARE, CREATE ANY RIGHTS FOR ANY MEMBER AS A RECIPROCAL BENEFICIARY, A THIRD-PARTY BENEFICIARY, OR OTHERWISE. AN EXCEPTION TO A SPECIFIC PROVISION OF THESE GUIDELINES ONLY MODIFIES THAT PARTICULAR PROVISION AND DOES NOT SUPERSEDE OR VOID ANY OTHER PROVISIONS. THE DECISION BY BIG STUFF HEALTH SHARE TO REIMBURSE A MEMBER’S ELIGIBLE NEEDS DOES NOT AND SHALL NOT CONSTITUTE A WAIVER OF THIS PROVISION OR ESTABLISH BY ESTOPPEL OR ANY OTHER MEANS ANY OBLIGATION ON THE PART OF BIG STUFF HEALTH SHARE TO REIMBURSE A MEMBER’S ELIGIBLE NEEDS.
MEMBERS ARE PRIMARILY RESPONSIBLE FOR ENSURING THAT ALL OF SUCH MEMBER’S MEDICAL EXPENSES ARE TIMELY PAID, REGARDLESS OF THE STATUS OF ANY NEEDS REQUEST.