Ay konti lang actually, first time mom! Depende sa hospital and kung normal or cesarean delivery, pero usually kung may PhilHealth ka, minimal lang bayad mo, most hospitals charge around 5k-15k pa lang out of pocket for normal delivery, more for cesarean kasi mas mahabang stay. Maraming mum friends ko na may PhilHealth lang at okay na, though mas malinaw kung matanong mo directly sa hospital kung saan ka magde-deliver para exact amount, kasi may variations talaga based sa location at hospital rate. Congrats sa pregnancy!