[lawtguy]

In my experience it's typically more like this:

"Well, there's probably nothing wrong, but there are some test we can run to be sure."

The patient agrees to the tests because it gives them peace of mind and they mostly don't pay for them, their insurance does.

The doctor orders the test because if they don't and there is some sort of rare problem that was actually present, they can be sued for malpractice. GPs in the US generally aren't making any money from these tests, but they do have a strong incentive to avoid a malpractice lawsuit as those are costly and time consuming.

But yes, this is part of why US healthcare is so expensive.