I'm not sure I see the contradiction? I'm just saying that if regular health care only covered something like wellness visits and a cast every other year they would probably be more likely to try and sell you additional services to drive their revenue.

And by upsell I just mean convincing you the financial burden is worth the proposed extra treatment. Right now as long as I have health insurance I don't care abut the extra cost of extra treatments beyond a health check because I don't directly bear the cost.

I mean pretty much every other health related thing that's not covered by insurance has the same dynamics; eye care, cosmetic surgery.