Introduction
Many clients are surprised to learn that medical wigs can be covered by insurance. But coverage varies widely depending on policy type and documentation. This blog breaks down exactly how insurance for medical wigs works.
Why Some Insurance Policies Cover Wigs
Medical wigs may be classified as:
- Durable Medical Equipment (DME)
- Prosthetic devices
- Medically necessary hair prostheses
If considered medically necessary, partial or full reimbursement may be possible.
Documents You Need for Coverage
- Doctor’s Prescription
- Medical Necessity Letter
- Diagnosis Code (Alopecia, Chemo-related hair loss)
- Invoice from your wig provider
Common Reasons Insurance Denies Claims
- Policy labels wigs as “cosmetic”
- No medical diagnosis
- Incorrect documentation
- Out-of-network suppliers
How to Maximize Approval Chances
- Contact your insurance provider first
- Ask specifically if they cover “cranial prosthesis”
- Ensure all medical documents match your claim
- Submit receipts and policy forms promptly
Final Thoughts
Insurance coverage is not guaranteed—but many clients successfully receive partial or full reimbursement with the right documentation.
