Am I correct that you need to meet your deductible for bcbs on RX unless it's tier 1 generic. So precision silver if it's a tier 2 once you meet your deductible then the client pays 20% co-insurance. Thats what BCBS customer service told me last year but they looked it up. I spoke to fellow broker they told me that is incorrect. You don't need to meet your deductible you pay the co-insurance right away.