Hi mama! I haven't personally dealt with this yet, but a few of us in our mommy group have babies in the NICU and from what they shared, it's really best to ask directly sa Philhealth office or sa hospital billing department kasi ang Z Benefits coverage for premature babies can depend on specific cases and how early ang baby was born. One of my mum friends said ang hospital social worker nila was super helpful in explaining what Philhealth would cover, so maybe start there na rin if you haven't yet!