The Indonesian Health Demography Survey (SDKI) 2007 shows that the MMR in Indonesia is recorded at 228 deaths per 100,000 live births, while in 2012 it increased to 359 deaths per 100,000 birth rates. This number is still far from the Millennium Development Goals (MDGs), target, which is 102 deaths per 100,000 live births. In nearing the end of the 2015 Millennium Development Goals (MDGs), Indonesia still holds a poor record in fulfilling the targets of the fifth point of MDGs, which is reducing Maternal Mortality Rate (MMR). In the effort to fulfill that target, since 1 January 2014 the government has implemented the insurance of maternal healthcare services for mothers who are expecting, giving birth, and are in their puerperium through the National Health Insurance (JKN) which should have been prepared since the ratification of Law No. 24/2011 on the National Social Security Agency (BPJS). In the context of reducing maternal mortality rate, midwives become health workers who are at the forefront of national healthcare. Midwives are not only expected to be capable in the face of challenges in the implementation of JKN, but also given the responsibility to reduce maternal mortality rate and reach a universal access towards reproductive healthcare. The research on JKN, particularly regarding Midwifery Services in Jakarta and Bandung, carried out by Women Research Institute (WRI) reveals a number of findings on the challenges faced by midwives and female JKN participants in accessing midwifery services.