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Is Hair Loss Covered Under My Insurance Plan?

“This is a question I’ve answered thousands of times…” says Ronnie Talent, owner of Legacy Hair Center in Charlotte NC “There are many different ways. But there are ways to increase your chance.”

Hair loss affects 50% of men and 25% of women in their lifetime. The cost of surgery without treatment can be thousands of dollars.

There are many factors that determine it.

Hair loss condition. People lose their hair for many reasons, including

· Cancer

· Alopecia

· Male and Female Loss Patterns

· Burns and accidents

· Cancers

· Lupus

· And other medical conditions.

Your Insurance Carrier. Some carriers are determined to do everything they can to deny insurance claims, no matter how bad the situation. Others will be more compassionate and will be happy to help you as soon as possible and claim justice.

Which hair loss treatment are you looking for? I have seen many cases where insurance companies will consider hair restoration including laser hair removal, but most will consider non-hair replacement if it is properly presented. case.

How are you prepared? The document is important if you are serious about moving forward with your options.

When looking for hair replacement for medical hair loss – some Insurance companies will cover between 80%-100% of the cost. DON’T MENTION ASK FOR A WIG!!! Always use the term “Cranial Prosthesis”.

Follow these steps to submit your claim to the Insurance company:

· Check the booklet your Insurance Company gave you. See under “Coverage” related to “prosthesis”.

· Obtain a written prescription for “Cranial Hair Prosthesis” on the original prescription form, including a detailed letter from the doctor explaining your hair loss and the pain you have experienced as a result of your treatment. It is also a good idea to include a personal letter that describes the emotional impact it has had on your life. A Cranial Prosthesis must be fitted as well as an arm or leg. Also explain the importance of your hair to your job.

· Take some pictures of yourself without hair. This will ensure that your claim is not for fraudulent purposes.

· Submit your receipts, prescriptions, photos, and letters from the doctor and yourself to your Insurance company.

If your insurance company denies you, you can appeal by sending a letter to the claims inspector.

Remember, sometimes you have to pay out of pocket first, but the insurance company can reimburse you. If you are rejected – keep trying! Being patient can pay off big and get the help you need.

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