Understanding maternity care under the Affordable Care Act

Understanding the Affordable Care Act: Why will men, children pay for maternity care?

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A screen shot of the website, www.healthcare.gov A screen shot of the website, www.healthcare.gov
(WJBK) -

Under The Affordable Care Act all insurance policies must offer 10 essential benefits, maternity care being one of those benefits, and those benefits are required regardless of your age or gender. That means maternity care is mandatory for men and children.

One local father puts it into perspective.

"We got a letter from our insurance company stating that her rate is going to be going up, and her policy is going to change. Due to the new law in place, all have to be covered with maternity coverage," Donny Dedvukaj tells Fox 2's Alexis Wiley. "We're doing the right thing by paying for insurance and doing what we're supposed to be doing. Punishing us by making us pay more of a rate, I don't understand it."

State Senator Morris Hood held a town hall meeting Monday night to help people across the state understand the Affordable Care Act. One of the panelists at that meeting explains why everyone must pay into maternity coverage.

"Everybody pays into the pool when they're healthy and then when they need a certain kind of medical care, they're in a position to be able to take advantage of having health insurance," says John Freeman. He is with Michigan's branch of Know Your Care. "The way insurance works is that, you know, not everybody takes advantage of every single aspect of what a policy will cover. They take advantage of different aspects at different points in their lives."

But what about the increase in premiums?

Freeman says if families buy insurance through the healthcare marketplace the rate could go down.

VIDEO: Click on the video player above to hear more about the Affordable Care Act from Freeman in Wiley's report

How much money will this cost me?

Estimate your out-of-pocket expenses using an online subsidy calculator.

LINK: Click here to use the online subsidy calculator

If you have questions call the 24/7 toll-free hotline at 1-800-318-2596.

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