DH is accountant – has looked into it (at length and with more spreadsheets than I care to admit) and says VHI best value all round. vague, I know, but HTH.
Posters right – care is same, but who receives bills is the diff. No private care here really to speak of. I miss The Portland when it comes to getting out of your car through the exhaust I have to say… (that’s my analogy for what it’s like giving birth, btw, and no, I have never given birth in The Portland, only avin a larf, gals!)