Wigs and Insurance: Get Reimbursed

NEWS FLASH: If your hair loss is due to a diagnosed medical condition, many insurance companies will offer reimbursement for wigs!

Yes, it’s true: your health insurance may cover part or even all of your wig costs. And it's not just limited to chemo-related hair loss. A variety of conditions may qualify you for coverage, including hair loss caused by aging, stress, genetics, environmental factors, Alopecia, thyroid disease, kidney disease, and radiation therapy.

Here’s a step-by-step guide to help you navigate the reimbursement process:

Understand What It’s Called
Insurance companies often refer to a wig for medical hair loss as a cranial prosthesis. Using this term can be essential when submitting claims.

Contact Your Insurer
Before securing a prescription, reach out to your insurance company or check their website to understand what’s covered. Verify if your policy includes wigs for medical hair loss and what documentation they require.

Review Your Written Policy
Always request a copy of your policy that clearly outlines the details of your coverage. This way, you’ll have everything in writing for your records.

Get a Diagnosis
When you visit your doctor, ask her to document the official diagnosis for the condition causing your hair loss. This diagnosis is necessary for insurance claims.

Obtain a Prescription
Ask your doctor for a prescription for a cranial prosthesis that aligns with your insurance company’s specific requirements. Be sure that all necessary details are included to streamline the claim process.

Know the Specific Codes
Check with your insurance company for any specific diagnostic codes or documentation they need. This may include information that should be included on your doctor’s prescription and your wig purchase receipt.

Submit Your Claim
Gather all required documents and submit your claim according to your insurer's guidelines. Always make copies of everything before sending them in for reimbursement.

At Lena’s Wigs, our receipts always refer to your purchase as a cranial prosthesis. If your insurance company requests additional information, don’t hesitate to reach out. We’re happy to help in any way we can!

Bonus Tip: FSAs, HSAs, and HRAs
Wigs are often eligible for reimbursement through Flexible Spending Accounts (FSA), Health Savings Accounts (HSA) and Health Reimbursement Accounts (HRA) with a letter of medical necessity.