Any recommendations po for HMO for maternity? Includes lab test, delivery. Etc. thank you

Hey mama! Honestly, it really depends on your budget and kung saan ka magde-deliver, a few of us in our circle went with Philhealth plus a top-up HMO (like Medicard or Intellicare) kasi mas comprehensive ang coverage, tapos may choice ka pa ng hospitals. The maternity packages vary so much between providers, so I'd suggest calling each one directly para malaman mo exactly ano kasama, some cover all prenatal labs and delivery, pero may out-of-pocket pa rin depending sa hospital and doctor rates. Good luck, and congrats on the pregnancy!