Will Insurance Cover My Wig?
Understanding Cranial Prosthesis Coverage and How We Can Help
Yes — Your Wig May Be Covered by Insurance
If you’re experiencing hair loss due to a medical condition or treatment, your wig may be eligible for full or partial reimbursement under your health insurance plan. These wigs are classified as cranial prostheses, and many insurance providers recognize them as medically necessary.
At Loving Strands, we’re here to guide you through the process with compassion, clarity, and experience.
What Conditions Qualify for Cranial Prosthesis Coverage?
You may be eligible for insurance reimbursement if your hair loss is caused by:
- Chemotherapy or radiation treatment
- Alopecia areata or alopecia totalis
- Lupus or other autoimmune diseases
- Trichotillomania (hair-pulling disorder)
- Scalp burns, trauma, or surgical treatment
- Hormonal conditions or medically documented hair loss
Not sure if you qualify? We’ll help you understand your benefits and next steps.
What Is a Cranial Prosthesis?
A cranial prosthesis is a medical-grade wig prescribed for individuals experiencing hair loss due to a diagnosed medical condition. These prostheses are often eligible for reimbursement under flexible spending accounts (FSA), health savings accounts (HSA), or private insurance plans.
Loving Strands provides high-quality, custom human hair wigs that meet cranial prosthesis guidelines.
How We Help You with Insurance
We understand this process can feel overwhelming — especially during treatment or recovery. That’s why we offer hands-on support throughout:
Step 1: Consultation
We’ll walk you through your options and determine whether your wig qualifies as a cranial prosthesis.
Step 2: Documentation
We help prepare what your insurer may need, including:
- Detailed invoice with correct medical terminology
- Letter of Medical Necessity (LOMN) — can be written by your doctor or we can provide a template
- Insurance codes and diagnosis support (ICD-10 and HCPCS codes)
Step 3: Submission
You or your provider submit the claim to your insurance company. If needed, we can coordinate with your care team directly.
What Insurance Plans Cover Medical Wigs?
Coverage varies, but many plans will reimburse some or all of your wig cost if it’s deemed medically necessary.
Plans that often provide coverage:
- Private PPO or HMO plans
- Medicaid (depending on state)
- Employer-sponsored insurance with FSA/HSA accounts
- Some Medicare Advantage plans
It’s always best to check with your insurer. We’ll provide you with the exact language to ask.
What to Ask Your Insurance Provider
When speaking to your insurance company, ask:
- Does my plan cover a
cranial prosthesis for hair loss due to [your condition]?
- What documentation is required?
- What is the reimbursement limit or percentage?
- Is pre-authorization required?
- Can I choose my own provider or must I go in-network?
We’re happy to provide a script or help you make the call.
Need a Letter of Medical Necessity?
We can supply your doctor with a clear, editable template for a Letter of Medical Necessity that includes:
- Your diagnosis
- The reason the wig is medically required
- The term “cranial prosthesis”
- The doctor’s signature and credentials
This is often the most important step in getting approved.
Frequently Asked Questions
How long does the insurance reimbursement take?
Each provider is different, but typical processing takes 2–6 weeks after all documents are submitted.
Do you work with providers directly?
Yes — we coordinate with doctors, social workers, and nurse navigators to ensure the process is smooth.
Can I pay up front and submit for reimbursement?
Yes. Most clients pay at the time of service and then submit their claim to insurance using the documents we provide.
What if my claim is denied?
Sometimes denials are due to missing paperwork. We can help you appeal or resubmit with clarification.
We’re With You Every Step of the Way
Insurance shouldn’t be a barrier to dignity and healing. At Loving Strands, we’re committed to making the process as simple and stress-free as possible.
If you’re unsure where to start — or just need help asking the right questions — we’re here for you.