When you lose your hair due to medical reasons such as chemotherapy, alopecia, trichotillomania, or other medical conditions, you can file an insurance claim.

It is important to remember that most insurance companies will refer to a wig for medical hair loss as a cranial prosthesis.

Depending on your coverage, you may be eligible to have some or all of your wig reimbursed by your insurance provider.

At Rebecca's, our custom wigs are also  considered a cranial prosthesis and thus fall under the durable medical equipment category.

1. Call your insurance provider to ask if they provide coverage for cranial prosthesis. It is best to mention you have a prescription for a cranial prosthesis.
   • If it is covered, find out How much your insurance plan covers and;
   • the documentation needed to support an insurance claim.
   • Make sure you get a copy of the written policy that clearly spells out the details of your coverage.

       

   2. Get a prescription from your doctor.
   

   • Prescription should read "Cranial/Hair Prosthesis for medical purposes."
   • Make sure all of the details required for processing your claim are included, Including the terms that your insurance requested.
   • Check the specific requirements your insurance company needs to process your claim; diagnostic codes, details to include in your doctor's Rx, and info that needs to be included in the receipt for your wig purchase.

   3. Purchase a wig, topper, medical wig prosthesis, hair system, or custom wig from Rebecca's wigs in Farmington, MI.

• We are not currently listed as providers so we cannot bill your insurance company directly.
• However, our wigs will qualify for out of network providers.
• If there are no providers in-network, some insurance companies allow you to use your out-of-network benefits as in-network benefits. Contact your provider and ask them if this is an option under your plan.
• After payment is completed for the purchase of your wig, we will give you a sales receipt that you can then submit to your insurance company so you can get reimbursed for your purchase.

     4. Submit a claim for reimbursement to your health insurance.

• If you don't know how to submit a claim, look on your insurance company's website or call their customer service to ask how to submit a claim for reimbursement. 

Generally, medical wigs are also eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), and health reimbursement accounts (HRA) with a letter of medical necessity.