Ay sis, totally get the worry mo, kahit may charity package, may out-of-pocket pa talaga lalo na kung may complications. Ang kailangan mo talaga ay i-talk out with Lip kung paano nila pwedeng i-prioritize ang baby fund kahit tight ang budget, whether na separate savings account para di ma-tempt gamitin, or one of you takes a side gig for a few months, kasi honestly pag dumarating na, walang iwanan talaga. A few of my mum friends na din nag-struggle financially dati nag-start ng piggy bank challenge with hubby nila (even 50 pesos daily adds up) and nag-focus sa essentials lang first, doctor visits, hospital bills, basic baby needs, everything else pwede i-second round. Pero more important, please sit down with your OB about the actual breakdown ng costs if may complication kaya realistic kayo, at if possible, tanungin din sila about payment plans or more affordable hospitals nearby na may good quality care, many do offer installment options talaga. You're not unprepared, you're just aware and thinking ahead, which is actually smart parenting na!