If you are experiencing hair loss whether temporary or permanent. Unfortunately, not many people know this. But needing a wig due to hair loss caused by alopecia, chemotherapy, or other medical conditions, is covered by many insurances. And you can file an insurance claim for the full or partial cost of your cranial prosthetic.
Types of Hair Loss Covered
By Insurance
Hair Due to Chemotherapy
Kidney Related Hair lLoss
Hair Loss Caused by Cancer
Alopecia
Radiation Related Hair Loss
Hair Loss Due to Thyroid Problems
Medical Hair Loss Due to Life and Environmental Changes, Thinning and/or Balding, Genetics, Stress, Aging, Reaction to Medical Illness
The Steps You Should Take
Contact the benefits department for your health insurance and ask:
Does your policy cover a cranial prosthesis?
If it does, what type of prosthesis is covered (I.e. human hair wigs, synthetic wigs, etc.)
How much of the cost do they cover?
What specific terminology for a wig should the prescription contain?
Is there required documentation they need to submit your claim? What is it?
Note: When reviewing your insurance policy and you don’t see cranial prosthesis listed, it doesn’t necessarily mean you don’t have coverage. We strongly recommend that you call your health insurance company and get pre-authorization.
NEXT:
Get a prescription for a “cranial prosthesis” from your doctor. Make sure that’s the correct terminology required by your health insurance provider. Also, include procedure code A9282. It’s important that the prescription does not say “wig”. Because a wig is considered a fashion item, it is not medically necessary. The procedure code/number on your cranial prosthesis prescription is used to submit your insurance claim.
