Congrats sa buntis, mama! From what I know, Philhealth usually requires you to be a member for at least nine months before you can claim maternity benefits, so if you joined in July, you might be cutting it close for your October EDD, best to double-check with your local Philhealth office or call them directly kasi minsan may exceptions or special provisions, lalo na kung registered ka na officially. A few of us moms had to sort out our membership timeline bago mag-deliver kaya importante talaga i-verify mo mismo with them para walang hassle pag araw na ng delivery!