Hey mama! Honestly, it really depends sa budget at comfort mo, maraming mums sa amin ang nag-package kasi mas organized at walang surprise bills, pero ilan din ang pumasok ng private kasi gusto nila ng mas personalized care throughout. Para sa clinic vs hospital, I'd say hospital is safer kung may complications, pero clinics are cozier for normal deliveries, a few of us actually delivered sa both and okay lang naman. Since you're from Cebu, baka try mo mag-ask sa Cebu mom groups here, they'll have specific recs for hospitals and doctors dyan na proven na! Best talaga na mag-tour personally ng maternity wards kasi nakikita mo mismo ang setup.