\nWelcome to the Wig Expert Medical Wig Insurance Coverage Guide! This section is for clients who are purchasing a wig for medical purposes. Can insurance help purchase a wig? The answer is yes, but it takes a bit of work to find out if you’re qualified, and if your health insurance policy is among the many that offer this option. Below, explore our comprehensive guide to medical wig insurance claims.\n\nCan Health Insurance Cover the Cost of Your Medical Wig?\n\nAre you experiencing temporary or permanent hair loss from illness or genetics? Very few people know this, but when you lose your hair due to medical reasons such as chemotherapy, alopecia, trichotillomania, or other medical conditions, you can file an insurance claim to receive a partial or full cost of your cranial prosthesis.\n\nWhat is a Cranial Prosthesis?\n\nA cranial prosthesis is a wig for medical patients who have permanent hair loss (such as alopecia areata, alopecia totalis, trichotillomania), or temporary hair loss resulting from treatment for chemotherapy, radiation, or any other clinical disease.\n \nThe term, cranial prosthesis, is used when applying for medical insurance or tax deduction status. Other common terms for a wig used for medical purposes include: full cranial prosthesis, hair prosthesis, cranial hair prosthesis, extra-cranial prosthesis.\n\nNote: Since the above processes are an ongoing condition, you may be eligible to receive full or partial coverage to purchase the full cranial prosthesis by your health insurance company.\n \nYour Coverage Depends on Your Insurance Plan\nFor medical hair loss, you may obtain payment for the full cranial prosthesis. Depending on your policy, some insurance companies will require you to pay upfront and then be reimbursed, others will pay for your prosthesis upfront.\n\nMost insurance companies will cover between 80-100% of the cost for your full cranial prosthesis and will allow you to receive one cranial prosthesis per year for medical hair loss. Depending on your insurance, your prosthesis may also be a tax deductible medical expense. We confirmed with an insurance representatives that if a person's medical bills are over 7.5% of their income, then the wig would become tax deductible. However, the individual should discuss this with their tax advisor first.\nThrough research, we discovered that in default policies there is no coverage for wigs as they are part of the Standard List of Exclusions. However, you can contact your employer's HR department or your insurance broker to renegotiate your insurance contract to include your cranial prosthesis coverage.\n\nMost Types of Medical Hair Loss Covered By Insurance\n\n\nAlopecia Hair Loss\nChemotherapy Related Hair Loss\nRadiation Related Hair Loss\nThyroid Related Hair Loss\nKidney Related Hair Loss\nCancer Related Hair Loss\nMedical Hair Loss Due to Genetics, Stress, Reaction to Medical Illness, Life and Environmental Changes, Aging, Thinning, and\/or Balding\n\n\nSteps to Follow - The Process - Steps You Should Take\n\nContact your Health Insurance Provider's Benefits Services and ask:\n\nIf your policy covers a cranial prosthesis\nIf yes, what type of cranial prosthesis is covered (i.e. synthetic wigs, human hair wigs, etc.)\nHow much of the cost will they cover\nWhat specific terminology they need to have on the prescription for a wig\nWhat specific documentation they need to submit your claim.\n\n\nNote: If you are reviewing your insurance policy and do not see cranial prosthesis listed, this does not automatically mean that you don’t have coverage. We highly recommend calling your Health Insurance Provider and getting pre-authorization.\n \nNext:\n\nRequest and obtain a prescription for a “cranial prosthesis” (or the specific terminology required by you Health Insurance Provider) from your doctor or physician including the medical procedure code A9282. Make sure the prescription does not say “wig.” A wig is a fashion item and is therefore not medically necessary. Your prescription will include a procedure number\/code for your cranial prosthesis that will be used to submit your insurance claim. \n\nAdd an extra touch: Ask your physician to also write a letter explaining hair loss and its effects and have her\/him state that it is not simply for cosmetic reasons but for emotional well being.\nKeep copies of all of your documentation and invoices from your physician for tax exemption purposes. You will need to your tax advisor first about medical bills and tax deductible opportunities. \nIf you are planning on paying upfront or out of pocket initially, place your order online at Wigs.com or over the phone at 1-800-581-2001.\nOnce you place your order with Wigs.com, email email@example.com with your order number and say that you need a copy of your invoice for your cranial prosthesis prescription.\nWe will provide you with a copy of your invoice with a notation on the bottom that states Cranial Prosthesis and Wigs.com’s Tax ID number.\nSend all documentation (your doctor’s prescription, copy of your invoice from Wigs.com, completed insurance claim form, and any other necessary forms) to your Health Insurance Provider.\n\n\nIf Your Insurance Won't Help Cover the Cost of Your Wig\n\nOption 1: When paying for your wig out of pocket, save the receipt just in case your purchase qualifies as a tax deduction. If a person's medical bills are over 7.5% of their income, then the wig would become tax deductible. \n\nOption 2: Talk with your doctor or social worker about local resources! Contact your local chapter of the American Cancer Society, National Alopecia Areata Foundation (NAAF), and other foundations about qualifying for financial assistance toward the purchase of a hair piece or wig.\n\nCUSTOMER CONTRIBUTIONS\nWe need your help! If you’ve received a wig with the assistance of your insurance company, we’d love to hear from you! Please contact firstname.lastname@example.org, so we can feature your experience.\nInsurance Companies and Their Cranial Prosthesis Coverage\n\n\nBlue Cross Blue Shield does not cover wigs as a cranial prosthesis for group and individual insurance plans.\nFeedback from Client: "I have blue cross blue shield insurance. I have a prescription from my doctor for a wig\/cranial prosthesis and blue cross would not cover the cost because my hair loss was not due to 'chemotherapy or burn'. It had to be specifically one of those two things."\n\nAetna's group medical insurance plan does not cover wigs as a cranial prosthetic. However, individuals should verify with Aetna that the individual plan they are on will cover this item or not. \nFeedback from a company's Health Care Advocate: "[An employee] has been diagnosed with cancer and is going through Chemo currently which is resulting in a loss of hair. We have confirmed with Aetna that [a] wig prosthetic [is] covered under the member's plan. Aetna advised they would need your company crediting information and a CPT code for the wig prosthetic."\n\n\nUnited Healthcare does not cover cranial prosthesis under group medical insurance plans. However, individuals should verify with United Healthcare that the individual plan they are on will cover this item or not. \n\n\nMedicare will not pay for a cranial prosthetic wig even if the claim is filed under durable medical equipment. This means that anyone over 65 years old that has a medicare advantage plan or a medicare supplement plan, these plans will not pay for a wig. This has been confirmed by a Medicare Representative.\n\nAmbetter does cover cranial prosthetic wigs under individual policy plans. Check with your insurance representative to see if your plan includes cranial prosthesis coverage.\n\n\nHumana does not cover cranial prosthesis under their group insurance plans. \n\nBaylor Scott \u0026amp; White does not cover wigs as a cranial prosthesis.\n\nOscar does cover cranial prosthetic wigs under individual policy plans and group medical plans. Check with your insurance representative to see if your plan includes cranial prosthesis coverage.\n\nMolina does not cover cranial prosthetic wigs under individual policy plans.\n\n\nCigna - awaiting verification\n\nNational General - awaiting verification\n\nFidelis \nGeneral Electric\n\n\nChampVa \nTriCare\n\nInformation provided in this is based on U.S. Health Insurance Companies only. Information updated on August 7, 2020.