Hi mama! Honestly, Philhealth contributions can be confusing kaya better talaga kung makipag-ugnayan mo directly sa nearest Philhealth office or call their hotline para sure, basta usually kung may unpaid months, kailangan mo bayaran lahat ng backpay bago maging eligible for maternity benefits, at seryoso yan lalo na malapit na ang delivery mo. A few of us moms had to settle our contributions kasi ayaw naming may hassle sa hospital, so I suggest mo na agad para peaceful ang pregnancy mo nang walang alalahanin! Goodluck sa upcoming birth mo!