Reminder-only. No clinic calendar integration: the patient states they are going, the app reminds them and pre-arms the loan. Rung 2 (request-to-book, clinic confirms in the provider dashboard) comes later; rung 3 (real booking across 885 clinics with no calendar systems) does not.
This is the commitment device between 'I have a limit' and 'I took a loan' — the missing piece in the 63% approved-never-borrowed leak.
Earmarking turns an abstract limit into a specific amount reserved for a specific day. Far stronger to notify about than 'you have a limit'.
Member selector is here too — most appointments in a family account are for someone else.