@Vengefulseven - Props to you in trying to solve this gigantic problem, but after reading your proposal, this project is doomed to fail (no offense). You have overlooked many nuances of the medical industry that many people do not see. I understand that you have worked in the finance side of the medical industry, but I would recommend that you work in the following areas to gain more perspective on how to solve the problem: hospital, billing company, payer, an insurance company, MSO, and IPA.
Just a word of advice, commercial insurance rules are derived from Medicare. If you want to fix the commercial problem, fix Medicare/Medicaid first, then commercial will fall in line.