Will Insurance Cover a Wig?
A Special Place Wigs is happy to help you file your wig with your insurance company. Here are a few things you should know:
- Some insurance policies cover wigs and some do not. Coverage depends on the terms, benefits and exclusions of your individual insurance policy.
- Medicare, Medicare Replacement Plans, Medicare Supplements and Medicaid do not cover wigs.
- You should check your benefits beforehand to determine your coverage, as well as deductible and co-insurance information, whether you need pre-authorization, and whether you are need to go to an in-network provider.
- Calling a wig a “cranial prosthesis” will not affect whether the wig is covered. You should use the HCPCS (pronounced “Hick-Picks”) code, A9282, when speaking to your insurance company.
- Coverage can vary depending on your diagnosis, for example, some policies may cover for chemotherapy but not for alopecia. You will want to give them your diagnosis code when you call (You can obtain this from your doctor)
- Always write down the reference number, the representative’s name, the date and time of each call.
Below is an example and a list of instructions on what needs to be said when speaking with your insurance provider:
- Request to speak to a Representative.
- Tell them you are experiencing (or going to experience) hair loss due to chemotherapy (or alopecia, etc.) and you need to find out if your policy covers a wig or cranial prosthesis, code A9282.
- If they say yes, ask them if there is a dollar limit or quantity limit.
- Ask them what percentage they pay.
- Ask if you have a deductible or co-insurance limit, and whether you have met those limits.
- Ask if the benefit is the same whether they go in-network or out-of-network.
- Ask for a reference number for the call
If you need assistance, please feel free to call and speak to one of our insurance specialists, who can help you determine your benefit.