💡 Yes, Your Wig Might Be Covered by Insurance

1. Know the right term
Insurance companies often refer to a wig for medical hair loss as a cranial prosthesis. Using this term is essential when submitting claims.

2. Contact your insurance provider
Call your insurer or check their website to confirm if wigs for medical hair loss are covered. Ask exactly what documentation they require.

3. Request your policy in writing
Get a copy of your benefits policy. Look for any mention of cranial prosthesis coverage so you have it in writing.

4. Get an official diagnosis
Ask your doctor to document the condition causing your hair loss. A written diagnosis is typically required for insurance reimbursement.

5. Ask for a prescription
Your doctor should provide a prescription for a cranial prosthesis that includes your diagnosis and any specific information your insurer requires.

6. Ask about required codes
Some insurance companies require specific diagnostic or procedural codes. Be sure to ask and share those requirements with your doctor and wig provider.

7. Make your wig purchase
At Lena’s Wigs, your receipt will refer to the wig as a cranial prosthesis and include the appropriate CPT (Current Procedural Terminology) code, which is often required for reimbursement. If your insurer needs anything else, we’re happy to assist.

8. Submit your claim
Gather everything—your doctor’s diagnosis, the prescription, and your receipt—and follow your insurer’s instructions for submitting a claim. Be sure to keep copies for your records.

Bonus Tip: Use Your FSA, HSA, or HRA
Wigs are often eligible for reimbursement through Flexible Spending Accounts (FSA), Health Savings Accounts (HSA), or Health Reimbursement Arrangements (HRA) with a letter of medical necessity from your doctor.