If you are like so many of the men and women out there that need a wig for a medical reason (Cancer-related or Alopecia), you may be eligible for reimbursement from your current health insurance provider. Most insurance companies will cover between 80-100% of the purchase price of a wig or hairpiece for medically related hair replacement purposes. The trick is knowing what insurance companies look for. A claim submitted with the term "wig" will more than likely be rejected by insurance companies because it is seen as a cosmetic expense while referring to the same product as a "Cranial Hair Prosthesis" necessary for medically related hair loss will just as often result in a paid claim as a medical necessity. Along with submitting a written prescription from a medical professional, it is important to send a personal note detailing the psychological effect of hair loss on you.
Double-check your insurance claim form to make sure you legibly included the following elements:
*Please contact your insurance provider for which code to use.
Due to the differences in every individual's insurance policy, this may not work for everyone. This guideline is just for you to reference and to show you how to research if your insurance company covers "Cranial Hair Prosthesis" or something similar. Make sure you review and understand the procedures outlined by your insurance policy as they may differ between carriers. Keep copies of all documentation including the receipt/invoice for your Cranial Hair Prosthesis (may even be a tax-deductible medical expense).
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