Maybe where you're located, Turtle. But up here the contractors charge the homeowners based on what the homeowner think's s/he's getting, not what the products cost to purchase.
Also, central a/c is somewhat common though in most localities, hardly necessary and therefore, not as expensive to install (especially in new construction) as it would be down South or in the MidWest where they're as necessary as our baseboard heating systems, if not more so.
Add a heat pump to this mix, however, and the contractors realize a substantial savings. They talk homeowners into them because for little more than the basic cost of a basic central a/c system, the contractor has also provided heat w/o running a single pipe for baseboards. And not having to provide a triple wall, double insulated stainless steel flue along with a roof penetration, to a contractor, is just golden.
None of which concerns the homeowner, because as a businessman, time saved is money in the contractor's pocket.
The OP is finishing space that otherwise wasn't planned for in the heat/a/c load calculations. Or maybe, so the contractor says. What the heck, if the contractor can get the owner to spring for a totally unnecessary 3rd heatpump package, complete, well that's just icing on the cake.
I do know about it. All about it. And I think I'm more in tune to how contractors and homebuilders operate in the Northeast. Do you know how a homeowner can tell his builder is lying? His lips are moving.
I'll bet the homeowner was also told he heeds a bigger electrical service for that additional heatpump as well. Not to mention all that extra power and lighting a bonus room/den will need.
If you forget everything I've said, fine, but remember this:
In the Northeast, unless you have cheap hydropower (which effectively puts you so far north as to make a heatpump virtually useless anyway) natural gas provided by a regulated utility, or an oil burner fueled by oil companies who are in direct competition with regulated gas utilities, is ALWAYS CHEAPER for heating a home.
I don't care whether you react or not. The OP was more about the necessity of another zone on a still undescribed system, although it was suggested to the OP by the contractor that the additional space be on it's own heatpump system.