What I like about this idea, as opposed to pure cash payment models, is that this allows the patient to remain in network, so that all payments are applied to their deductible (at least I think that’s what you are doing). Pure cash models make little sense - depending on the severity or complexity of your condition, which you can’t always tell in advance, there may be no end to the amount you ultimately owe.

What concerns me however is the guarantee part of it. It’s a bold move that is fraught with risk, especially as you get into higher ticket items, such as various surgical procedures. It’s not clear to me how you spread this risk out (you take the downside risk, but what’s the upside - just the referral fees?)