How to Get Medical Insurance Coverage For Your Human Hair Wigs

Release time:2023-09-28 15:43

If you’re one of the millions of women experiencing hair loss for medical reasons – including alopecia, chemotherapy, or a variety of other causes, human wigs can be a great option. Good quality human hair wigs, like Milano Collection Wigs, are natural-looking and virtually undetectable, as well as comfortable to wear.  

Perhaps you’ve already considered a medical wig made out of human hair but it’s not in your budget at the moment?  If so, don’t despair – you may be able to get your medical insurance to cover the cost of your wig.  

Four easy steps to get medical insurance coverage for your human hair wigs

Step 1:  Contact your medical insurance provider

The first step in securing medical insurance for wigs is to contact your medical insurance provider to ask about what coverage might be available to you.  Some issues you might want to clarify with your insurance provider are medical coverage on cranial prosthesis (the medical term for wigs), prescriptions that may be required to get your cranial prosthetic covered, and the required Healthcare Common Procedure Coding System (HCPSC) for your sales receipts. 

There are very specific terms used for medical hair loss that can mean the difference between getting your wig covered by insurance or not. For example, when talking to your insurance provider, be sure to ask about ‘cranial prosthesis units’, rather than wigs.  You can also use terms like  ‘hair replacement unit’ instead of a wig, ‘alopecia’ instead of hair loss, or ‘anagen’ instead of hair growth.   

Step 2:  Secure a prescription from your doctor

Most insurance companies will require you to get a prescription for a cranial prosthesis from your doctor.  Once your doctor makes his alopecia or other medical hair loss diagnosis, you can ask for a cranial prosthesis unit prescription along with the HCPSC code that needs to be on the sales invoice or receipt once you purchase a medical human hair wig.  

Step 3: Purchase your wig with the appropriate documentation

Even if your insurance company reimburses for cranial prosthesis units (wigs), most of the time you’ll have to pay for your wigs upfront before getting reimbursements. The invoice must specifically indicate the purchase as a ‘cranial prosthesis unit’ and must include the correct medical code.  Also, make sure that the invoice or receipt indicates the wig company’s tax ID number and keep a copy so you can avail yourself of a tax deduction for medical expenses.  

Step 4:  Submit your claim to your insurance company

Once you have purchased the wig and received the invoice or receipt showing your cranial prosthesis unit purchase, you will need to submit it to your medical insurance provider so you can claim your money back. 

Your insurance company should have already provided you with the specific requirements that you need to complete, and that can vary per insurance company.  Aside from your doctor’s prescription and HSPCS code, you’ll most likely have to submit a completed insurance claim form and if required, a Durable Medical Equipment (DME) claim that indicates how your purchased wigs provide therapeutic benefits and are prescribed for medical purposes.

Whether your medical insurance for alopecia covers your medical human hair wig in part or full (most providers can cover from 80% to 100% of your purchases), you can still seek coverage on additional units even if they are not listed on your benefits policy. As long as you are pre-approved by your insurance provider for another cranial prosthesis unit, you can purchase another wig and again seek reimbursement. 

Buying your first cranial prosthesis unit

Milano Collection is one of the most trusted wig companies in the world, offering a wide array of human hair wigs, toppers, and accessories. The company continues to offer wig solutions for medical hair loss through innovative cap designs and secure approaches in wig-wearing that allow alopecia and other medical hair loss sufferers to achieve the wig style, color, and hair type they prefer. 

Milano Collection also makes it easier for those shopping for cranial prosthesis units through their virtual consultations portal on their website wherein patients can set an appointment from the convenience of their home, or visit the company’s showrooms in Los Angeles and Signal Hill, California, or Brooklyn, New York where Wig Specialists are on hand to help with their needs.

Patients who suffer hair loss due to cancer can also apply for vouchers of up to $75 to cover cranial prosthesis units before purchases from the American Cancer Society while those who are diagnosed with alopecia areata can opt for the special pre-purchase program from the National Alopecia Areata Foundation’s (NAAF) Ascot fund. Book a virtual consultation with Milano Collection now and learn more on how you can get medical human hair wigs with medical insurance coverage, the right wigs that solve your alopecia or other loss woes, and the perfect hairstyles that suit you.