Ay, PhilHealth contributions yan talaga ang confusing part ng sistema natin! Honestly, best approach is to visit your nearest PhilHealth office or call their hotline para malaman mo exactly kung kailangan mo pang magbayad from February onwards, kasi may specific rules sila tungkol sa gaps in payments at kung kailan ka ma-cover for pregnancy and delivery. Since October na due date mo, mas mabuting huwag mag-take ng chances at humanap ng clarity na agad, para sure ka na protected ka and baby mo pag labor time na!