Holiday Hair Confidence: How Insurance Can Help Cover a Wig this Season

When you’re facing medical hair loss, finding the right support can feel overwhelming. Whether your hair loss is from alopecia, chemotherapy, autoimmune conditions, or medical treatments, you deserve solutions that restore comfort, dignity, and confidence. At Loving Strands Wigs in Tarpon Springs, Florida, we specialize in custom human hair wigs and provide compassionate guidance on using your insurance benefits for a cranial prosthesis.

Many clients are surprised to learn that their insurance plan may already include coverage for medical wigs. This guide will help you understand how cranial prosthesis benefits work and how to access reimbursement for your custom unit.

What Is a Cranial Prosthesis?

A cranial prosthesis is a medically necessary hair replacement system prescribed by a physician to treat hair loss caused by a documented medical condition. It differs from a fashion wig because it is designed for medical use, long-term comfort, and scalp sensitivity.

A cranial prosthesis is commonly prescribed for:

• Alopecia (all forms)
• Chemotherapy hair loss
• Radiation treatments
• Autoimmune disorders, including lupus
• Endocrine and hormonal disorders
• Burns or trauma
• Severe dermatologic conditions

At Loving Strands Wigs, every medical wig is created with gentle, breathable materials to support even the most sensitive scalps.

Does Insurance Cover a Cranial Prosthesis?

Many major insurance companies—such as Blue Cross Blue Shield, Aetna, Cigna, UnitedHealthcare, and Highmark—may cover a cranial prosthesis when it is deemed medically necessary.

Typical insurance coverage includes:

• $300–$2,500 in cranial prosthesis benefits
• One medically necessary unit per year
• Reimbursement for out-of-network providers, depending on your plan
• Coverage for both synthetic and custom human hair prostheses

Because each policy is different, it is important to check your specific benefits. At Loving Strands Wigs, we help clients understand and navigate their coverage step-by-step.

How to Check Your Cranial Prosthesis Benefits

Call the member services number on the back of your insurance card and ask:

1. “Do I have coverage for a cranial prosthesis?”
2. “What is my benefit amount or reimbursement limit?”
3. “Do I need a pre-authorization?”
4. “Do you require in-network providers, or do you reimburse for out-of-network wig specialists?”
5. “What documentation is required for reimbursement?”

Use the above as a simple script to make calling your insurance company much easier.

What Documentation Do You Need?

Most insurance plans require three key items:

 A Prescription

Your doctor should write a prescription for a “cranial prosthesis” (not “wig”). A diagnosis code for your condition should also be included.

 A Detailed Invoice

Loving Strands Wigs provides insurance-ready invoices with:

• Proper medical terminology
• Diagnosis and procedure codes
• Detailed cost breakdown
• Your custom prosthesis specifications

 Proof of Medical Necessity

Some plans request a short letter explaining why the prosthesis is needed. We can help guide you through this process.

How Loving Strands Wigs Supports Your Insurance Claim

At Loving Strands Wigs in Tarpon Springs, we’re known for being both compassionate and resourceful. We simplify the process with:

Expert Guidance on Insurance Reimbursement

We walk you through your benefit details and help you prepare documentation that increases the likelihood of approval.

Custom Human Hair Medical Wigs

Each cranial prosthesis is handcrafted for comfort, durability, and a natural appearance—making it ideal for long-term medical wear.

Insurance-Compatible Invoices

Our invoices are written with medical coding and accurate terminology insurance companies expect for cranial prosthesis review.

Support Through Every Step

From your consultation to filing your claim, we’re right here with you.

Why It’s Important to Use Your Insurance Benefit

If your plan includes coverage for a cranial prosthesis, you should absolutely take advantage of it. Using your benefit allows you to:

• Reduce out-of-pocket costs
• Access a high-quality custom prosthesis
• Feel supported during medical treatments
• Choose a wig that fits comfortably and looks completely natural

Your health, comfort, and confidence are worth advocating for—and your insurance may help you get the support you deserve.

Cranial Prosthesis Support in Tarpon Springs & Surrounding Areas

Loving Strands Wigs proudly serves:

• Tarpon Springs, Florida
• Palm Harbor
• Clearwater
• Holiday
• Tampa Bay area

We are honored to guide clients through the insurance process and help them feel beautiful, confident, and supported on their hair-loss journey.

Ready to Explore Your Insurance Benefits?

If you’re ready to learn whether your plan includes insurance coverage for a cranial prosthesis, Loving Strands Wigs is here to help.

We combine compassion, professionalism, and expert knowledge to make the process as simple as possible—so you can focus on feeling like yourself again.

You deserve comfort, dignity, and confidence.

And we’re here to support you every step of the way.