Philhealth Maternity Benefits

Hello momshies! Ask ko lang sana kasi wala akong work from now so magiging voluntary member ako sa philhealth. Due date ko is January 2020, hindi ko pa naaayos philhealth ko. Ang sabi naman sakin ng midwife pwede ko daw start hulugan yung Philhealth ko by January 2020 para macover yung panganganak ko. Naguguluhan lang talaga ako. Please someone help me to make a clarifications. Explain nyo po sakin.