Capturing Voice Chat on Xbox One & PS4

I'm a Twitch streamer and Youtube content creator. I use an Elgato capture card and I'm just starting out. When I did game capture with my Xbox 360, it was so much easier since the voice output went through the TV and my headset. Now If I plug a headset in, all chat is routed to the headset so I can't capture it with my capture card.

Is there a solid solution for capturing voice chat one the Xbox one and PS4 that doesn't require crazy hack job adapters and such?

Twitch and YouTube uploading of game DVR is built in to the Xbox One. An Xbox One Stereo headset connector will cost around $30AU, and you can plug the headset/sound into the capture card using an RCA to 3.5mm converter and a headphone splitter(both cost around $5-10 in any discount store.