Grants / Insurance Claims
A Guide on How To File Insurance Claims and Apply For Grants
If you are experiencing hair loss due to cancer, alopecia, or any medical condition, you may qualify for financial assistance with purchasing your full lace wig. Love My Hair Boutique™ accepts insurance payments, grants and vouchers from the National Alopecia Areata Foundation (NAAF) and the American Cancer Society as well as other organizations. To see if you qualify for a special grant to pay for your Full Cranial Prosthesis (full lace wig), see the instructions on how to apply for a grant or voucher for your wig.
Full Cranial Prosthesis-How To File an Insurance Claim
What is a cranial prosthesis?
CRANIAL PROSTHESIS is a medical term used to describe various devices used for replacement of hair on the head. A cranial prosthesis can be fabricated in many ways using a variety of materials. Cranial prostheses can be full or partial and must be clearly identified as a full or partial cranial prosthesis on a prescription from a physician in order to claim insurance benefits. In layman's terms, a full cranial prosthesis is a wig, and a partial prosthesis is a toupee or hairpiece.
Full cranial prosthesis (full lace wigs) for women suffering from long term or permanent hair loss due to a medical condition such as chemotherapy, alopecia, Trichotillomania, or other medical conditions. Natural hair prostheses are the latest development in hair replacement units. They are designed to meet the specific needs of any women suffering from hair loss. These wigs are form-fitted to become part of you and designed to be styled as if it were your own hair. The wigs are made to look and feel natural - no one will know it is a wig. They are made with 100% Indian Remy Human Hair and can be parted anywhere throughout the unit and give you that natural scalp appearance.
Getting Your Health Insurance to Cover the Cost of Your Unit
When you lose your hair due to medical reasons such as chemotherapy, alopecia, Trichotillomania, or other medical conditions, when requesting a prescription from your physician, the full lace wig should then be referred to as a "full cranial prosthesis" which will then enable it to be covered under most medical insurance policies.
Under procedure codes S8095 andA9282 some insurance companies cover the cost for a cranial prosthesis.
Here is a list of a few companies that cover cranial prosthesis:
John Hancock Insurance Company
Metropolitan Life (80%)
Metropolitan Educator of
Prudential Life Insurance (80-100%)
Emerald Health Network (100%)
Med Choice Provident Mutual (80%)
Ohio Health Choice
Midwest Benefits Corp.
Most insurance companies will cover between 80-100% cost for your full cranial prosthesis. However, if you request coverage for a wig, chances are your claim will be denied. So please make sure you request a "full cranial prosthesis".If you require a cranial prosthesis due to permanent hair loss or hair loss during chemotherapy or alopecia treatment, you may be eligible to receive full or partial coverage to purchase the full cranial prosthesis by your health insurance company. You must contact your insurance company directly to see what the procedure is to obtain full or particial coverage for the full cranial prosthesis. Your hair prosthesis may also be a tax deductible medical expense.
Steps to Follow
1. Call Your Health Insurance Provider and check the coverage on your policy to see if it covers a "full cranial prosthesis" for medical hair loss. If it is covered, ask them to explain their procedure for obtaining payment for the full cranial prosthesis
IMPORTANT: We DO NOT process insurance claims or accept prescriptions.
Some insurance companies will require you to pay upfront and then be reimbursed, others will pay for your prosthesis upfront.
2. Complete any other insurance forms and be sure they are signed by your physician.
3. Request your physician to write a prescription for a "full cranial prosthesis" not a wig. Ask your physician to also write a letter explaining hair loss and its effects and have him state that it is not simply for cosmetic reasons but for emotional well being as well.
4. Keep copies of all of your documentation and invoices for tax exempt purposes. Portions of unpaid items by insurance are tax may be tax deductible. Follow the instructions that you were given by your health insurance provider to submit the prescription so that you can obtain payment.
5. Notify us about your need for alternative hair and we will send you a receipt for a Cranial Prosthesis.
6. Make sure to send the sales receipt for a Cranial Prosthesis to your insurance company, along with your completed insurance form and remember to have it signed by your physician.
Always call your hair system a Cranial Prosthesis! NEVER refer to it as a WIG!
How To Apply for a Grant or Voucher to Cover your Full Cranial Prosthesis
The National Alopecia Areata Foundation
NAAF has established the Ascot Fund. This special pre-purchase program
provides financial assistance toward the purchase of a hairpiece to individuals who have alopecia areata and are struggling financially. To find out if you qualify, please contact them below:
National Alopecia Areata Foundation
14 Mitchell Blvd.
San Rafael, CA 94903
PO Box 150760
San Rafael, CA 94915-0760
Web site: www.naaf.org