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[quote=Anonymous]I am federal for close to 15 years.
Over the years I believe we tried many PPOs (BCBS, SAMBA, NALC, APWU)
Here is my take.
1. Be very careful ALL for next year. Read booklet when available in two weeks.
There is new trend to separate In-NETWORK an OUT -of NETWORK deductibles. THIS IS NEW for 2018.
It can hit you HARD.
2. Many popular psychologists in DC area do not take Insurance, so look for Out of Network coverage. 
3. BCBS - very expensive, but extremely popular in this area. There is no reason to hold to it. Most doctors take Cigna.
We left BCBS many years ago and do not look back. They are overpriced.
4. Look for specific for your family. Look at premiums, networks, deductibles, copays etc. Add all together.
We change plans almost every year, depending on above. So far so good.
My family always go through $5000 of Flexible spending account. (It is never enough.)
Here is what important for my family:
-We regularly use ton of doctors for many different reasons, who do not insurance. 
-We systematically visit urgent care centers (not ER)
-We need accidental injury, since someone will break something... (have multiple kids and sport)
-We have allergies etc.
I hope this would help.
So short answer, no perfect insurance.
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