Hi Mommy, from what I know -- you have to be an active member for you to use your benefit. You should have at least 9 months of paid contribution prior the availment. Please check with Philhealth if you can still pay for the Jan-Feb contribution. If you're husband is working, may I also suggest that you may be added as his dependent (as long as you are unemployed) so you will no longer need to pay succeeding months after you have been declared as dependent. Your husband just needs to fill out PMRF and update at any Philhealth branch. I hope this helps. ☺️