Most medical providers insurance companies cover from 80% to 100% for the expenses incurred for the purpose of purchasing your hair replacement. Some medical health care providers will authorize 1 to 3 hair replacements units per year. Ask your health care provider how many they will approve. Also, some health care providers will allow hair replacements yearly, but remember; a doctor’s prescription must always accompany your claim for a hair replacement.
With HMO’s and all new provisions some medical health care providers are turning towards, it is a good idea to call your health care provider to see if you need pre-approval from your primary care doctor.
Never file an insurance claim for a WIG! Always call it a “full CRANIAL PROSTHESIS”. Many, but not all, insurance companies attempt efforts to turn down claims for “wigs”. They should have no reason to turn down a file for a full cranial prosthesis or cranial prosthesis when it accompanies medical therapy and your doctor’s prescription. Invoices for the replacement must accompany your doctor’s prescription. Make copies of all invoices and prescriptions.
Your doctor should give you a prescription for “full cranial prosthesis”. Save this and send a copy along with your claim file.
Your emotional well-being is an important part of your medical recovery process. If you encounter resistance from your insurance company, a letter from your doctor, spelling out that he “prescribed” the prosthesis, not for cosmetic reasons, but as part of your recovery program, should suffice.
If you are still denied ask for a review by the medical review board. Add to your original claim:
• Before And After Photos
• A Hand Written Letter About the Emotional Necessity for Your Prosthesis
• Letters From Your Employer As to Why The Prosthesis Has Improved Your Performance
• Ask Why the Claim Was Denied
If you do not have insurance, most counties in the US have state social services departments which offer medical assistance for those who meet their financial guidelines.
The American Cancer Society will provide free hair replacements and turbans for those without health care. These hair replacements and head wear have been donated by individuals no longer requiring the use of a hair replacement.
Applying for a Grant or Voucher to Cover your Full Cranial Prosthesis (full lace wigs):
The National Alopecia Areata Foundation (NAAF):
NAAF has established the Ascot Fund. This special pre-purchase program provides financial assistance toward the purchase of a hairpiece to individuals who have alopecia areata and are struggling financially. To find out if you qualify, please contact them below:
National Alopecia Areata Foundation
14 Mitchell Blvd.
San Rafael, CA 94903
PO Box 150760
San Rafael, CA 94915-0760
Web site: www.naaf.org
American Cancer Society:
American Cancer Society has a program available to those who qualify for assistance with purchasing a wig. If your insurance does not cover the full cost of your wig, you may qualify for an additional subsidy from the American Cancer Society. The American Cancer Society will issue you a voucher up to $75 to help cover the cost of your wig, however, you must meet certain financial guidelines. You MUST apply for this voucher BEFORE you purchase a wig.
For additional information, contact the American Cancer Society below:
American Cancer Society
Re: Financial Assistance for a Wig Purchase