 He also explains that their health insurance covers prenatal care up to 80%, leaving the Freemans to pay the rest.More importantly, Dr. Howell explains to Matt that he believes a closed adoption in an out-of-state placement is the only way to provide the baby with a good solid home and to give both Matt and Francesca their lives back.Matt seems hesitant about placing his child for adoption but reluctantly agrees when his mother explains it is the only way to safeguard his future.