Sorry, maybe I misunderstood you...
You saying "They have to see the animal".
Yes, ok, as I said before, I did go to that vet last year, they have seen my dog, and opened a file.
What money did I save? I paid for a visit. Not sure I understand.
When I called, I said I need a referral to see an ophthalmologist, they say OK and booked an appointment.
You are saying " I see that you somehow have the idea that regular/annual Vet visits entail nothing more than vaccinations.".
It's not an idea, it's exactly what we got during the visit, basically nothing, external observation, that's it.
Maybe we are talking about different things?