Your wig may be covered, in part of totally, by your health insurance. Sometimes, insurance companies reimburse clients for wigs for medical reasons, no questions asked. And sometimes, they don't. There is a chance your claim will be initially rejected. You should be prepared to file follow-up appeals in additiion to your initial claim.. Insurance companies, as a rule, do not cover products or services that are considered "cosmetic". Wigs, by nature, are cosmetic - no matter how necessary they are while someone is undergoing treatment. That's why, in order to insure coverage for wigs, they are not called "wigs", but "cranial prostheses", and in some places "hair" or "scalp" prostheses. If the term "wig" appears in your claim or on your receipt, there's a good chance your claim might be rejected. Each insurance company has different policies and procedures, which is why you should contact them directly. Find out:
1) If your plan covers the cost of "cranial prosetheses", how much is covered and under what circumstances
2) Whether your insurance plan requires you to use certain shops or retailers
2) What paperwork you need to submit along with your claim
Keep accurate and detailed paper records. It's suggested that you create a file for all relevant paperwork, receipts, invoices and correspondence, and keep copies of everything you send out, as well as a record of when it was sent. You should also keep a log of all phone transactions, noting the names of people spoken to, when, and what they said. This will be very handy if you need to submit appeals.
