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Healthcare Maternity benefits - Philhealth vs SSS

I just realize the importance of having a health care insurance now.

I went out earlier to process  my health care for my maternity benefits since i can't reached the hotline number of the main health center to clarify things (i've been calling the hotline number for a couple of days now but still unreachable). Anyway, I used to be a member in our government healthcare and i was hoping that i can still use it even though i failed to continue paying it as a voluntary member after i lost my job last October of 2009. So from October up to now i didn't make any payment.

I went to the main office and they told me that im not qualified. I was very disappointed for the fact that im just wasting my time going there and yet i only heard those words. According to them, for me to be eligible i should at least make 9 payments within 12 months prior to delivery. So if i give birth by August i should at least have 9 payments from July 2009. I really felt bad coz i've been paying the membership fee ever since and i never used it even once since i normally use my medicard issued by our employer since the total coverage is more higher.

I was not aware about this things as i though the minimum is 3 months only and not 9 months.  Though they told me to try SSS or Social Security System as they only required 3 months payment to qualified for maternity benefits. Luckily i continue to make payments with my SSS as a voluntary member after i lost my job so i know i am more than qualified for it. I went to SSS Office and i've got positive result. And they offer better maternity benefits in terms of financial assistance than Philhealth but unfortunately you can only reimburse the money after giving birth and after submitting all the requirements though in Philhealth it can be deducted from your total hospital bills upon check out.

SSS basis for computation is your 6 highest monthly salary credit.
So if your highest salary is 15,000*6 months = 90,000/180 days = 500.00 will be your daily maternity allowance.

Total maternity benefits to reimburse would be:
Normal delivery 500.00*60 days = 30,000
Ceasarean deliver 500*78 days = 39,000

SSS requirements for maternity benefits:

- SSS form MAT-1 (Maternity notification) duly stamped and received by SSS. If your employed then ask anyone from Human Resources Department for more information, but if your a voluntary member then you need to file the form directly to any SSS office.

- SSS form MAT-2 (Maternity Reimbursement) you can only accomplished this after giving birth together with the other documents.

- Other documents
Normal delivery - Certified true copy or authenticated copy of duly registered birth certificate.
Caesarean Delivery - Certified copy of birth certificate and certified copy of operating room record/surgical memorandum.
Miscarriage or abortion - Obstetrician history stating the number of pregnancy certified by the attending physician. Pregnancy test before and after abortion with age of gestation and hystopath report.

- SSS digitized ID or E-6 with 2 valid ID

Its so nice to have health care insurance as you know that you can use it in case of emergency, like if you lost your job and other things.

Virgin Coconut Oil

Almost all pregnant women experience skin problem during pregnancy, it includes pimples break out, skin allergies and most specially stretch mark. There are too many products in the market today but are those products are safe to use or not since we can't just use anything as it might also affect the baby.

I heard about the wonders of VCO from friends and they said that its a great help as it strengthens connective tissue so wrinkles and sagging of skin is prevented. Dead skin cells are removed, making the skin to glow. I searched a lot about this product and i found out that there's a lot of benefits from it.

So i bought one for me though they said that it can also be taken it orally but i didn't give it a try coz im pregnant. I just bought the clear one or unflavor VCO and just apply a small amount of it as the skin will not absorb the oil once the skin becomes saturated.

I also found out that it boost the immune system as it contain lauric acid just as what a human mother's milk does that helps fight viruses and bacteria causing diseases.

Another fact about VCO is that even though  it is fat, it actually promotes weight loss as the oil can easily absorbed and sent directly to the liver where converted immediately into energy rather than stored as body fat.

What to avoid during pregnancy

As pregnant woman, we must make sure that whatever we eat or do will also affect the baby inside of us. Its not of what that makes us feel better but on what we can give to our baby to nourish them and become healthy.

What to avoid during pregnancy

Raw meat, hotdog and sushi - Avoid these food due to high risk of listeria and salmonella poisoning that may result to miscarriage. If we can't avoid hotdog then make sure that its very well cooked.

Shark, swordfish, king mackerel - These fish contain high mercury that might affect the developing brain of the baby.

Alcohol - Alcohol will caused fetal abnormalities and birth defects. It can also lead to mental retardation.

Smoking - Smoking or exposure to smoke can result in spontaneous abortion, pre-term birth, low weight babies and infant death.

Over the counter medicine - All medicine must be discussed with your doctor and have their prescription to make sure it will not harm the baby as it may lead to some birth defects and abnormalities.

Caffiene - Limit the amount intake of caffiene as it affects the absorption of iron and can also caused low birth weight.

example: coffee, tea, soda, chocolate and any chocolate related product. Too much chocolate intake during pregnancy will also lead to a hyper active child.

X-Ray and microwave - Exposure to radiation is not good due to it will damage some cell in our developing baby.

Its still safe to take fruits and vegetables during pregnancy and maintain a stress free environment.



Specially designed to ensure maximum comfort when stapling a schadenfreude

Benefits of Calamondin or lemon

Calamondin or lemon is a good source of Vitamin C that helps boost our immune system from common illnesses like colds and cough. I would say that i never experience colds and cough for many years now due to i always have a cup of lemon juice with me everyday, specially now that im pregnant as i need to take care of my health even for just common colds and whenever i felt something in my nose and throat, i just prepare some lemon and dilute it with warm water and add a little sugar then drink.

It can also be use as stain remover and an alternative to deodorant. I even tried it when i was on vacation with friends and i forgot to bring deodorant with me, i just take some juice out from lemon and dabbed it on my under arms and let them dry. I though it feels sticky but its not, its just the same as those ordinary deodorant out there.

View about subchronic hemorrhage

During my 2nd month of pregnancy, i went for Transviginal Ultrasound and was diagnosed with Subchronic Hemorrhage or Subchronic Hematoma, its actually bleeding behind the placenta and i was worried that time coz it sounds danger.

Though i found out that Subchronic Hemorrhage is just normal during the first trimester of pregnancy and normally seen during the first trimester ultrasound as it occurs from the rapid growth of the gestational sac.

In most cases, this clot will clear up allowing the pregnancy to progress normally. Best treatment for this is bed rest though doctor will also prescribe you a certain medicine to avoid miscarriage specially if your working.

If neglected, it can also be dangerous specially to larger Hematoma that will cause placental abruption and might caused vaginal bleeding that will lead to miscarriage. So better contact your doctor if you have vaginal bleeding to avoid any complication.


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Second day without internet

How i hate it, its been two days now without internet in my room, I finally transferred to my sister's house but the problem is i cant online due to no internet in my room. They have internet but in the main room and i need router to have connection, We bought earlier but we dont know how to configure it, and so we need to wait tomorrow to let someone install it. Here i am trying to disturb my sister's room just to use internet and check my site.

Earlier i almost collapsed due to too much heat outside while walking to buy router. as we tried to look for the cheaper one coz the money we had was not enough, luckily we saw cheaper one but they don't have any available technician to configure the router. I almost collapsed coz i feel dizzy im glad coz im with my niece and she was able to assist me. I guess i was able to drink 2 bottles of water and 2 glasses of coconut juice to freshen myself. Summer time here is really bad, its too hot outside.

Whats in my thought...

Earlier I was busy moving out my things to my sister’s house with the help of my brother since I will be living there starting tomorrow. Though I was not able to sleep last night, I don’t know why, maybe because I was thinking that I will going to leave my place now after so many years of being independent and now since I lost my job yet im pregnant and im the one who burden all the expenses its better this way as I need money to support my pregnancy specially my monthly prenatal checkup.

If I was able to have a prenatal checkup to one of the exclusive hospital here and high end OB-Gyne before, now I have no choice but to transfer to a public hospital to save cost. Funny isn’t it! I was thinking that what matter is I can still buy my prenatal vitamins to support my baby while still inside of me. Besides there’s nothing wrong with public hospital even though my siblings don’t like my idea due to different treatment of doctors unlike in private hospital, you will really feel that your special, of course because I am paying them unlike in public hospital its for free.

I wish that my mother will going to come soon, as she promised to come by June so I can have a shoulder to cry on and who can comfort me as my siblings are too busy with their work and I have no one to talk with, luckily there’s internet for at least I can use my time here being busy reading and browsing articles.

I still can’t avoid being sad at night thinking why this things happened to me now though I only wish to have a happy and peaceful family of my own. But I know I cant hold someone’s heart nor decision, though the saddest part is that the guy did not even bother to tell me why he need to go as he was just gone without any words. I don’t know if im going to hate him or not or I will be the one to blame, though whatever I’ve done, I don’t think its enough for him to leave us, his so selfish to think of leaving me as he knows that I need him more now.

Tomorrow I will be staying with my sister and I don’t know of up to when, maybe up to the time that I already find job to support me and my baby though I know its not going to be easy.  I just wish to have a lot of income to support us. I know GOD is watching me and he knows exactly what I need. I just wish to wake up one day and that everything is already fine

Sign and symptoms during my pregnancy

I can still recall how hard it was during my 2nd months of pregnancy as i suffered a lot from nausea as if i could only stay inside the toilet the whole day then i will, i really hate that feeling, like every time i eat i will just going to throw up and i dont know what to eat those time. I only survive because of fruits. I able to eat 3 to 4 apple a day and other fruits then just soap and crackers and plenty of fluids to avoid dehydrated, i can eat rice but only 2 tbsp or i will throw up again.

Theres also one time while i was inside the bus and i saw this old woman eating Pomelo,  the Pomelo was so big and really red and i couldnt sleep that night thinking of that Pomelo so the next day i called one of my friend to accompany me to buy some. We went to 3 or 4 different supermarket just to buy pomelo as i was not satisfied to what i saw in the previous stores. I really wanted the same Pomelo as what i saw in that bus and i told my friend that i will not stop till i find it.

It's almost evening and i really lost hope so i decided to just go to the last store and if we still did not see one then maybe i will just forget it. In the 4rth store i saw big Pomelo but it was not open yet so i dont know if its red or not and the salegirl said that i need to pay it once they open it even if its not red and Pomelo that time was so expensive. She told me to try checking those open Pomelo and luckily i saw one, its was big and really red though not that red like what i saw but im already contented with it.

Another thing i hate was dizziness, every time i go out specially while walking i always feel like im running out of breath and that i will going to collapse and so i always stop and sometimes find a spot to sit down for a while. Doctor says to always carry a  bottle of water with me as it will help so every time i go out and feel dizzy while walking i just took the bottle  of water and drink and its really true as it makes me feel fine after that.   

Though right now  I'm on my 5th months and feeling great,  i can even feel the movements of my baby inside of my tummy and its so funny, i can eat anything what i want now and even able to finished half gallon of ice cream in  just one day though its not everyday.

Still 4 months to go and i hope everything will just be fine during my delivery.

My prenatal checkup

When i found out that i was 2 weeks pregnant due to positive pregnancy test, i immediately called my 23 years old niece to accompany me for checkup. But I was just disappointed on what the doctor told me as he told me that i might not pregnant yet and i should come back after 2 weeks to make sure even though i already showed him my pregnancy test. He said that sometimes pregnancy test failed due to some reason and it might just be a false alarm. Though he prescribed me prenatal vitamins, one is folic acid and the other one is a multi vitamins.

1 month passed i even forgot that im pregnant besides i didn't experience any sign and symptoms of pregnancy though my breast are so tender, same thing like im having my menstruation period so i was thinking that maybe the doctor was right, it might just be a false alarm besides i might just be stress that's why i still did not have my period as they said that if your stress there's a tendency that you will going to missed your period due to hormonal change.

I've been busy with my work since its December and we rushed a lot of things. My hubby was so angry that time coz i still did not take my prenatal checkup to make sure if the baby is fine and he even told me that im so selfish to think of just me and my job. I felt so guilty about it and so i decided to take a leave from work just to have my checkup. I didnt go back to the first doctor coz i was not satisfied with his prescription. So I went to another doctor.

Here's what happened during my 2nd prenatal visit.

They started by taking my medical history like if im suffering from what kind of illnesses and etc., and how i have been feeling the past few days. Then they took my weight and have my blood pressure. They also took Urine and blood sample that will also be taken again at later visit. 

They need urine test to check for bacteria in my urine, high sugar levels (which can be a sign of diabetes) and high protein levels (which can put you at risk for pre-eclampsia, a type of high blood pressure during pregnancy). While Blood tests to check for low iron levels (anemia), blood cell count, infectious diseases (such as syphilis and hepatitis) and blood type was also performed.

Then pelvic exam to check the size and shape of my uterus (womb) and a Pap smear to check for abnormalities of the cervix (the opening of the uterus) and lastly, an ultrasound to help figure out when the baby is due or to check on the baby's growth and position in my uterus.

Then after few hours of waiting they finally have the result and here's the findings,  they found out that i have infection in my cervix,  i have UTI(urinary track infection) though they said its really normal for pregnant woman to have UTI, 

also i have a sub-chronic hemorrhage and i also have a low blood cell count though my blood type is O which is a universal type so no problem with it.

I was so shock coz its my first pregnancy and i dont know if these are normal or really happened to all of those pregnant women out there or its just me, though she said that 80% of pregnant women really experience those kind of things. She also added that the baby is fine and that im the one who have problem. 

She handed me her prescription, and all in all i will going to take 7 kinds of medicine. 2 prenatal vitamins, 1 for my cervical infection, 1 for my UTI, 1 to lessen nausea and aside from that i also took Duphaston and Duvadilan for sub-chronic hemorrhage and threatened miscarriage that's why they want me to have 1 week bed rest.
I was very satisfied with the checkup though i never thought how much it cost me including medicine. I just realize that it's not really that easy to get pregnant.


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Time to move on

After few weeks of never ending crying as i felt that  i failed with my life and i even felt that there's no god at all as why all this things happened to me, im pregnant, no job, and the father of the baby left us without any words. It's not really easy to accept the fact. And that soon i will become a single mother to my baby. I'm scared and feel so sorry for i can't give my baby a family of our own.

Though after all those days nor weeks of crying, one night i felt  movements of my baby in my tummy, its like the baby's telling me that "hey im still here and stop crying coz i feel weak too and i want to live" it hit me in my head as i felt like there's a cold water poured down through my head telling me that im so selfish without realizing that im pregnant and my depression might going to affect the baby and im not going to let that happened. I used to wished for a baby before and now that im going to be a mother soon then whether i like it or not, i need to face the truth now.

When the baby keep on moving inside it makes me feel so different,  thats the time that i give smile and i felt so relieved, looks like my baby was also trying to tell me that everything will going to be fine. I felt an angel inside of me and it makes me think that its time for me to wake up and move on.

Since i can't find any job in my situation, im trying to find ways looking for online money making site so at least i can earn to support my pregnancy specially my birthing cost, i still have my savings and my parents also extend their promise to help me,  i want to be responsible and a loving mother to my baby.

I just hope that god will going to take care of me and my baby and that everything will going to be fine someday. Though i still hope that my hubby nor ex hubby will come back even not for me but just for our baby sake so the baby will grow up with a real father.  Though right now, I just want my baby to be healthy and for me, that's all what matter.


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The saddest day of my life

My hubby and i were both happy when we found out im pregnant, i thought that will be the start of a new life for me. Actually were not living together coz he was married before and have two daughters but i never had the chance to visit their house and meet his kids as he used to tell me before that he didn't bring anyone to his house coz he doesn't want his daughters to see him bringing any girls as it might have a big impact to their mind. And that  in due time he will going to bring that girl and introduce her to them.

I actually respect him for that, but when he found out that im pregnant he made plan of transferring a new place once i give birth, planning of buying stuff for me and for our upcoming baby though he didn't mention that i will going to live with him together with his kids though as far as i  know he will just going to visit me. In short, looks like im one of those other woman who can never owned the man they loved.

I just felt bad about it and become so depressed specially when he seldom show up in my apartment. I was thinking that maybe there's really something going on, I was thinking that maybe theres another girl.

Last February, we had a big fight due to my ex, as my ex tried to win me back since he didnt know my condition yet,  he knows him and he knows how much i loved him,  then he started to accused  me that maybe the baby is not from him but from my ex.
I was very disappointed that time and was very angry, as he  knows that my ex was not here and that his been in London for many years so how come the baby is from him. He took all of his things and go home in the middle of the  night while i left crying. He came back maybe because he feel so guilty but i pushed him out, i was so mad that time and i can't control myself that for all people i never expected him to accused me of having an affair with my ex and that his not the father of my baby. I felt so insulted, and i even told him how i wish it was my ex whose the father of my baby coz i know he can take care of us and give us a good life.

I was so emotional that time but he never leave, but when he saw that im already fine and about to sleep he still left me.

Since then i never heard from him again, i tried to call and texted  him though he replied telling me he will come and i waited but he didnt show up. He promised many times but he never come till one time when i called him his no longer answering his phone. I tried to called everyday non stop but i just heard a ring then it turned off. I texted him but he never replied. its been 2 months now and his still not answering his phone. I become so depressed and even lost my job. I already lost my hope.

Now my family knows that im pregnant, though i told them i cant contact the father of my baby, i felt so bad coz i feel like i failed my family, after all this years. They never ask why coz they know i need moral support now than to blame  me.

Im going to have a baby

How can i forget. It was November 2009 when i missed my period its just 2 weeks though i really feel uncomfortable in my lower abdomen so im planning to drink herbal to induce menstruation its actually a safe herbal as anyone can drink it due to its healthy benefits, But i was also thinking that maybe im pregnant though we only made love once with my Hubby last October before he left out of town for his work project and i know that i was not fertile that time, we even check it with ovulation calculator and it says that i am safe those time.

And so with the help of my friend we bought parsley herbs and bring it to boil, i supposed to drink it that night but i received a call from my niece if im going to attend my sister's birthday dinner, i forgot that it was her birthday already coz i was very busy with work. While in dinner i saw my brother's wife and shes 6 months pregnant that time (she already give birth to a healthy baby girl today) and i even joke my brother that at long last they will going to have a baby. Actually, they've been married for 10 years and they tried a lot of things just to conceive a baby, they visit different churches wishing to have a baby and god never failed them though it took time but at least god still grant their wish..

After dinner, theres something hit in my mind forcing me to buy pregnancy kit that night while on my way home so i stop at the drug store to buy one. and when i got home i just leave the parsley tea and decided to drink it the next day once im negative in pregnancy. I can't sleep that night and i was talking to my hubby, i told him about the tea and i also told him that im already 2 weeks delayed and so he told me to check first if im pregnant or not before taking it. I decided to take the pregnancy test in the morning right after i wake up to have more accurate result as what they said and so i did.

 2 lines... wow... I can't express what i felt that time, i immediately called my hubby and informed him about it and he was also happy. He even told me to visit OB immediately for prenatal vitamins and to make sure everything will be fine.

I was really happy and so excited when i found out im pregnant coz im been wishing for this a long time thinking that im also getting older.
 

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