Welcome to Cranial Prosthesis Medical Wig Insurance Coverage Guide provided by Mz.Keke’s Anointed Hands Salon& Non Surgical Hair Replacement Center ! 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.
