HMO with maternity benefits

Hey mama! Congrats sa pregnancy! So from what I've heard around, maraming HMOs na nag-aalok ng maternity packages, Medicard and Carewell are ones a few of us tried, and they're pretty solid. The packages usually range around ₱5,000 to ₱7,000 depending on kung saan ka magbibigay (hospital, birthing home, or clinic), kaya mas mura na compared sa private out-of-pocket. One of my mum friends swears by Medicard dahil straightforward ang claims process and covered lahat ng prenatal, delivery, at postnatal, pero marerecommend ko na magcheck directly with the HMO you're eyeing para sure sa exact coverage at kung ano ang kailangan mo, especially kung may specific hospital ka gusto. Better safe than sorry, diba? Good luck, sis!