I had almost the exact same experience. Sitting in the chair prepped for a cleaning and the DH dives into this tale about “bad bacteria” and how if it gets into my stomach during the cleaning I could have all kinds of problems including heart disease and so on. Then the follow up treatment plan had other “beneficial” procedures not covered by insurance - platelet treatment to improve healing. I called the insurance company to ask about the plan and discovered the uncovered items were more than the actual procedure itself. The dentist wouldn’t negotiate or change to a code the insurance company recommended.