Ay alam ko yan stress talaga, lalo na if PhilHealth is not updated! From what a few of us tried, the city health lying-in centers are super affordable, usually around 2k-5k lang depending on the facility and kung may complications, pero since normal delivery ka at first baby mo, mas mababa pa yan usually. I'd suggest calling your nearest city health center directly kasi bawat lugar may different rates, pero best case scenario you can manage with 5k-10k ready na lang para safe, plus meron usually payment plans pa sila if kailangan, so don't stress too much mama!