Welcome to the world of wigs! This series is designed to help you chart this uncharted territory, offering you the education you need so you can feel empowered whether you choose a wig or not. Previously we looked at factors like reasons for wearing a wig, construction, materials, color and key features. Now we are going to explore wigs and insurance coverage.
Navigating insurance policies can be daunting, even in the best of situations. Many people do not realize that their wig could be covered by their policy, and don’t think to ask. Use our quick guide to help utilize your insurance policy to get the best wig for your needs.
The phrase that pays
Check with your insurance company first and ask what coverage your policy offers and what is required for reimbursement. A cranial prosthetic is the medical term your insurance company will want you to use when referring to a wig. The hair loss itself is referred to as alopecia.
Prescription for success
Many times for a wig to be covered by insurance you must have a prescription from your doctor. This prescription will most likely come from your oncologist. Some insurance companies require a letter of medical necessity. Your prescribing doctor will write a statement explaining the cranial prosthetic is necessary. Do not shy away from asking for this! It is a common practice and your doctor can provide you this letter.
Writing it off
In the event your insurance does not cover cranial prosthetics you may still be able to write the wig off as a medical tax expense. Keep a copy of your receipt, letter of medical necessity and the prescription for the wig and give it to your tax preparer at the end of the year.
If at first…
When submitting information to your insurance company for reimbursement, you may get turned down. Resubmit. I worked with a woman who was turned down for a very expensive wig by her insurance company. I did not know if the cost of the wig was the factor that got her turned down, however, I suggested we appeal the decision. We reworded her submission and the wig (or cranial prosthetic) got approved and reimbursed at 100%. I hope this helps you as well.
Don’t get taxed by taxes
I have worked with some wonderful wig stores that will offer a discount to those needing a wig due to hair loss from chemotherapy. If you have your receipt from your doctor, you may qualify to save the sales tax off the price of the wig. Call ahead and ask if these options are available.
Wigs were studied and proven effective in assisting those with medical hair loss to feel more confident. That is how they became eligible to be covered by some insurance companies.
More and more companies are creating wigs for those experiencing medical hair loss, like that associated with chemotherapy. As more manufacturers get involved in making wigs for medical hair loss, the products and selection continue to get better.
Protect your most valuable asset: Peace of mind. Think good thoughts, then rinse and repeat.
– Jeanna Doyle
Remember this is a new experience for you, but not for your doctor or insurance company. It is ok to ask them for assistance with this process. Next up, we will be making a shopping list and checking it twice with tips to help make you feel extra nice.
Want some additional support? Schedule a consult at The Hopemore today or purchase a copy of Wig ED What to look for when looking for a wig. Available on Amazon or The Hopemore. Stay tuned we have much more free information to cover in this series.
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