Insurance companies are realizing your cranial hair prosthesis are more and more a necessity for those recovering from Alopecia and cancer treatments. Follow some simple guidelines to assure coverage, when it is available through your insurance company. When receiving your hair prosthesis, have your stylist complete an invoice for a “cranial hair prosthesis” NOT a wig and use the following guidelines for filing filing with your insurance company:
- Use a provider in your network
- Request that your physician write a “prescription” for a “full cranial prosthesis” (not a wig) and a letter of necessity explaining why you need a wig. Your diagnosis should be included.
- Check the benefits of your insurance. There should be a section under “covered expenses” relating to prostheses, prosthetic devices or medical durable equipment.
- Keep copies of your sales or invoices for your cranial prosthesis. (Portions of unpaid items by insurance are tax deductible.)
If your insurance company doesn’t cover the wig or your coverage is denied you can appeal it, some suggestions are:
- Take pictures of yourself without hair
- Hand write a letter detailing the emotional effects that your condition has had on your life and include the letter of necessity and the prescription. Include a letter from your employer
- Ask for review by a medical review board, include the original claim
- Ask for a written reply as to why the claim was denied
- Send a letter to the claims department supervisor.
These steps are for reference. Remember to follow the procedures outlined by your insurance company to receive the fullest benefits possible. Most companies cover between 80 to 100%. If you don’t have insurance contact your state or county agencies. The county department of social services offers medical assistance in most states for individuals who meet certain income guidelines.