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Saturday, January 21, 2012

How To Get Your Insurance To Cover Your Wig

Insurance Coverage for Wigs
Most private health insurance policies will cover a percentage of a wig purchase. First call your insurance company and ask about their requirements. Second check the benefits of your insurance. There should be a section relating to ‘covered expenses’ pertaining to prostheses, prosthetic devices or medical durable equipment. Most companies don't spell out exclusions so pay attention to the actual coverage.
Things you will need:
·         For medical related reasons have your physician give you a copy of the specific diagnosis. For example Alopocia alone is not a diagnosis, will need to know what type.

·         Ask your doctor for a prescription for an Extra-cranial Prostheses or Full hair Prostheses (that is, a wig!) to submit to your insurer.

·         Keep a paper trail
o    The copy of your specific diagnosis
o    Your doctor’s prescription
o    Sales receipt for your wig
o    Completed insurance claim form
o    Any correspondence you send to the insurance company
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%. Individual insurance companies as well as the state insurance board (each state varies) may have other or additional steps to complete.
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.
You may have to pay for a wig out of your own pocket –- in this case, save the receipt in case the purchase qualifies as a tax deduction.
Lynne’s Wig Boutique does not contact your insurance company or submit any claims... but we will provide a receipt for your Extra-cranial Prostheses or Full-hair Prostheses that you may submit to your insurance company for reimbursement. Be sure to request a Medical Receipt.

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