That is a limited thing.. YES there are plans structured by "tiers" with copay's.. some only paying on "office visits". It really isn't something that is the norm and these are limited plans. It is very important when verifying benefits to find out if the plan is a "co-pay" tiered plan. There are also some indemnity plans that have been doing this for a while.. but again, they are few and far between. This is one of reasons I don't use a verification system and do all my verifications manually via phone..there are just too many variables even with the ACA in determining eligibility and benefits. For example, you may not get the fact that a plan is a grandfathered plan via any eligibility systems.