Insurance Information

If you’re losing hair from a medical condition or its treatment, your health plan may help pay for a wig. Only your plan can tell you what it covers. Here’s how it usually works, and what we can and can’t do.

How to check your coverage

  1. Call your health plan. Use the number on your insurance card. Ask whether your plan covers a “cranial prosthesis” or “hair prosthesis,” and whether you need approval before you buy. Some plans treat a “wig” as cosmetic, so the name matters.
  2. Get a prescription. Plans often want a prescription for a “cranial prosthesis” that names your diagnosis and has your doctor’s signature. Some also want a letter of medical necessity, which explains why you need one for your condition.
  3. Prepare your paperwork. Your plan will tell you what to send. It may include your prescription, a claim form, and an itemized receipt, which you can ask us for.
  4. File your claim. You send the claim yourself, the way your plan asks. Keep a copy of everything.

Other good questions to ask your plan

  • Is it covered for my kind of hair loss?
  • Is there a dollar limit, or a limit on the type of wig?
  • Can I buy from any wig shop and send in my own receipt?
  • What does the receipt need to show?
  • How long do claims usually take?

What we can and can’t do

We don’t bill insurance companies, file claims, or talk to your insurer for you, and we can’t tell you what your plan will cover. We can give you an itemized receipt for your wig. For an online order, ask us and we’ll email it to you. If your plan wants more on the receipt, ask us and we’ll see what we can do, though we can’t promise it.

A few more things to know

  • Medicare: Original Medicare doesn’t cover wigs. If you have a Medicare Advantage plan, ask the plan directly.
  • If a claim is denied: you can ask your plan to review its decision. This is called an appeal, and your plan has to tell you how to file one.
  • HSA, FSA and taxes: IRS Publication 502 lists a wig bought on a doctor’s advice, for the mental health of someone who has lost all of their hair from disease. Ask your account administrator or a tax professional whether yours qualifies.

If you have a question about your own situation, please ask. Call or text us at 917-563-4851, or email support@fortunewigs.com. We’ll look into it and do our best to help.