Before you plan around insurance reimbursement, ask your insurer what your own policy covers. A clear answer in writing can make the next decision easier.
Ask before purchasing
Coverage and claim requirements vary by plan. A prescription or a particular description on a receipt does not itself guarantee payment. Ask your insurer which requirements apply to your circumstances.
- Does my plan cover a wig or cranial prosthesis for my situation?
- Is prior authorization required before I buy?
- Do I need a prescription or other documentation from my clinician?
- Are there supplier requirements or reimbursement limits?
- Which forms, receipt details, and deadlines apply?
Keep the answers with your documents
Save the insurer's written guidance, any authorization, your receipt, and the documents requested from your clinician. Ask the insurer how to check claim status and what to do if more information is needed.
What Fortune can help with
Fortune Wigs does not bill your insurer directly. We can help with an itemized purchase receipt and explain the product details shown on it. Your insurer decides coverage and payment, and your clinician provides medical documentation where required.
Tell us what your insurer needs before purchasing so we can confirm what documentation we can supply. We cannot promise that a claim will be approved.
Keep purchase terms separate
Review the current return conditions before alterations or personalization. Online orders are not a try-before-payment program, and an insurance claim does not change the store's purchase terms.
Ask our team about purchase documentation. You do not need to include medical details that are unnecessary for your question.
