Good evening

Hi mama! Congratulations sa pregnancy mo! So technically yes, at 20 you can get your own PhilHealth ID independent of your mom's, pero the tricky part is that once you have your own, you're no longer covered under hers, kaya you need to make sure your application is approved na before you deliver para walang gap in coverage. I'd suggest you go to your nearest PhilHealth office ASAP (you're almost 38 weeks!) with your birth certificate, ID, and proof of residence para ma-process agad, or kung gusto mo sure, i-coordinate mo with your mama if pwedeng i-extend pa muna coverage niya habang ini-process ang sa'yo, mas safe lang na may active coverage kang dadalhin papunta hospital, hindi ito legal advice pero yun based sa experience ng friends ko, better safe than sorry with hospital bills lalo na ngayong malapit na delivery mo!