May 22, 2020 2 min read
According to Wikipedia:Ahair prosthesis (or cranial prosthesis) is awigspecifically designed for patients who have lost their hair as a result of medical conditions or treatments, such asalopecia areata, alopecia totalis,trichotillomania,chemotherapy, or any other clinical disease or treatment resulting inhair loss. The terminology is used when applying for medical insurance or tax deduction status.
Doctors have been prescribing these prostheses since the 1950s. Cranial prostheses also help to protect disease-weakened immune systems from the sun, and to regulate body temperature.
So when/if you apply to your insurance company, for reimbursement or payment, you want to use the term ‘cranial prosthesis’ and not ’wig’.
Well yes and No. Whether or not you are covered will depend on your insurance company. The good news is that many American companies (BCBS, CIGNA, AETNA to name a few) do cover cranial prosthesis in part or in full - meaning that some will reimburse partial cost and others will reimburse the full cost. But, but but… you must have a medical or clinic diagnosis that makes a cranial prosthesis a necessity (see that wikipedia definition above).
Our preliminary research says that Yes, cranial prosthesis are covered by your FSA (Flexible Spending Account) or HSA (Health Savings Account). However, you will need a letter from your doctor staging the medical necessity of said cranial Prosthesis.
Side note: I use my FSA for massages (I have some back issues) and every year my doctor actually writes a prescription for massage.
Any hair loss related to, or caused by, conditions such as cancer, hypothyroidism, kidney disease, alopecia or lifestyle and environment issues (aging, stress, medication etc.)
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