Natasha's Medical Wigs
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Before & After
Welcome to Cranial Prosthesis Medical Wig Insurance Coverage Guide provided by Master Wig Maker Natasha Crutchfield ! If you’re purchasing a wig for medical purposes, this section is for you. Is there such a thing as medical wig insurance? Absolutely, but there are several steps to determine if you qualify. Also, your health insurance needs to offer this option. Below, peruse our extensive guide to medical wig insurance claims.
Does Health Insurance Cover The Cost Of Your Medical Wig?
The short answer is yes. 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 prosthesis.
What is a Cranial Prosthesis?
A cranial hair prosthesis is a custom hair system specifically designed for patients who have lost their hair due to medical conditions. These conditions include chemotherapy, alopecia totalis, alopecia areata, trichotillomania, and other conditions resulting in hair loss.
It’s important to know the terminology when applying for medical insurance or tax deduction status. Other common terms used to describe a medical wig include: cranial hair prosthesis, hair prosthesis, and full cranial prosthesis.
Your Insurance Will Let You Know If You’re Covered
Whether or not your medical wig is covered by your insurance company depends on your plan. But it’s possible to receive full payment for your full cranial prosthesis. However, while some insurance companies will pay for your prosthesis upfront, others require you to pay upfront and then get reimbursed. Many insurance companies cover 80-100% of the cost for your full cranial prosthesis. They also allow one cranial prosthesis per year for medical hair loss. Additionally, you may also be able to deduct your prosthesis as a medical expense on your taxes. However, it has been confirmed that if medical bills exceed 7.5% of an individual’s income, then the wig is tax deductible. Still, it’s recommended though that you should discuss this with your CPA. Unfortunately, in default policies, the Standard List of Exclusions prohibits coverage for wigs. Even so, you can ask your employer’s human resource department to renegotiate your contract to include your cranial prosthesis coverage. And if you have secondary insurance, you can contact your insurance broker to do the same.
Types of Hair Loss Covered By Insurance
Hair Due to Chemotherapy
Kidney Related Hair lLoss
Hair Loss Caused by Cancer
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.
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.
Add a personal touch. By having your doctor write a letter, you become more human, and not just a claimant. In the letter, your doctor can explain hair loss and its devastating effects on a recipient. Also, he/she can state that your prosthesis is not for cosmetic reasons, but for your emotional well-being.
Make sure you keep copies of all your invoices and documentation from your doctor for tax exemption purposes. Don’t forget to consult with your tax advisor regarding tax deductible items and medical bills.