Is Hair Loss Covered Under My Insurance Plan?
Hair loss will affect over 50% of men, and 25% of women in their lifetimes. The cost of surgical and non treatment options could potentially be thousands of dollars.
There are several determining factors.
The type of hair loss. People can lose hair for a variety of reasons, including
- Male and Female Pattern Loss
- Burns and Accidents
- Thyroid Disorders
- And other medical conditions.
Your Insurance carrier. Some carriers are determined to do everything they can to deny insurance claims, no matter how severe the situation. Others are more sympathetic, and will be happy to help you quickly with a legitimate claim.
Which hair loss remedy you are pursuing.I've seen a handful of cases where Insurance companies would consider surgical hair restoration and even laser hair therapy, but most have some consideration for non surgical hair replacement if the case is presented properly.
How organized you are. Documentation is crucial if you are serious about moving forward with your options.
When seeking hair replacement for medical hair loss - some Insurance companies actually will cover between 80%-100% of the cost. NEVER FILE A CLAIM FOR A WIG!!! Always use the term "Cranial Prosthesis".
Follow these steps to file your claim to the Insurance company:
- Check the booklet given to you by your Insurance Company. Look under "Covered Expenses" relating to "prosthesis".
- Obtain a written prescription for a "Cranial Hair Prosthesis" on an actual prescription form, as well as a detailed letter from the doctor explaining your hair loss and distress you have experienced due to your treatment. It's also best to include your own personal letter detailing the emotional effects hair loss has had on your life. Include that a Cranial Prosthesis is just as necessary as a prosthetic arm or leg. Also, explain the importance of you having hair for your job.
- Take some pictures of yourself without your hair. This will prove that your claim is NOT for Cosmetic purposes.
- Send your receipts, prescription, photos, and letters from the doctor and you to your Insurance company.
If your insurance company denies you coverage, you CAN appeal by sending a letter to the claims department supervisor.
Bear in mind, sometimes you'll have to actually pay out of pocket initially, but the insurance company can reimburse you. If you are denied- keep trying! Persistence can pay off in a big way, and get you the help you need.