[erroneousfunk]

"If unforeseen complications arose during or after the procedure, the Surgery Center would cover those costs. Villa wouldn't see another bill."

So there is a sort of built-in insurance to this system. Those who don't have any complications are paying more to cover patients who do. They're simply passing the first line of medical costs (known, anticipated, where a price estimate can be created) on to consumers while letting insurance handle un-estimatable medical emergency type situations.