person requires a "cranial
hair prosthesis" while undergoing Alopecia or
cancer-related therapy, they may be eligible for reimbursement under their
health insurance plan?
If you need to wear a wig because of medical reasons like Alopecia and
cancer-related therapy that the "wig" should be called a "cranial hair
prosthesis" for insurance purposes?
file an insurance claim for reimbursement for a "wig" instead of a
you will very likely be turned down?
insurance companies cover between 80 to 100% of a cranial prosthesis?
are realizing your cranial hair prosthesis are more and more a necessity for
those recovering from Alopecia and cancer treatments.
Follow some simple guidelines to assure coverage,
when it is available through your insurance company.
Your physician should be able to supply all the
details and make the referral for the purchase of your "hair prosthesis". Ask
your physician to do that.
When receiving your hair prosthesis, have your
stylist complete an invoice for a "cranial hair prosthesis" NOT a wig and use
the following guidelines for filing an insurance claim.
- Check the benefits of your insurance. There
should be a section under "covered expenses" relating to prostheses,
prosthetic devices or medical durable equipment. Most companies don't spell
out exclusions so pay attention to the actual coverage. this will help your
- Make sure to complete the insurance form and
have it signed by your physician.
- Request that your physician write a
"prescription" for a "full cranial prosthesis" (not a wig) and a letter
explaining hair loss and its effects. That it isn't just for cosmetic
reasons but for emotional well-being as well.
- Keep copies of your sales or invoices for your
cranial prosthesis. (Portions of unpaid items by insurance are tax
- Enclose a letter to the insurance company
stating the necessity of a prosthesis.
- Some optional suggestions are
- include a letter from your employer,
- take pictures of yourself without hair,
- hand write a letter detailing the emotional effects that your condition has
had on your life,
- bring a copy of your prescription and paid bill tot he American Cancer
Society for partial reimbursement.
- If your insurance coverage is denied, you can
a. ask for review by a medical review board, include the original claim
b. ask for a
written reply as to why the claim was denied.
c. send a
letter tot he claims department supervisor.
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.
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What is a Cranial Prosthesis
1. A Cranial Hair Prosthesis is medical insurance jargon for a hair system for
those suffering from hair loss due to medical conditions. Prostheses contain a
combination of fabrics and compounds that are used to re-create natural hair
growth patterns and the look of the scalp. All materials in the prosthesis are
designed to provide maximum comfort.
Cranial hair prosthesis are different from budget
or department store wigs in quality. performance, and service. Prostheses are
made of specialized material - sensitive to the needs of the individual. The fit
is adjustable to each person's size and also custom cut and styled. A department
store wig (budget wig) has a set style - what you see is what you get. Service
plays an important role when selecting a hair prosthesis.
When looking for hair loss options, you need to
decide what will best fit your needs -
hats or turbans,
integration hair pieces,
hair replacements, or a
There are a number of good suppliers you can work
with. Go to
http://www.aaawigbiz.com/index-medical.htm for more a list medical wig
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For more information about cranial hair prosthesis or
hair loss due to Chemotherapy of Alopecia go to
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