(Insurance) Unit Reimbursement

Do you have health insurance?


Did you know that many health insurance companies could reimburse you the full cost of your human hair unit or hair topper? Valid medical conditions for “Cranial Hair Prosthesis” include Alopecia or Cancer. There is hope to look good and feel better once again with a human hair unit or hair topper. Let us help you find a solution for your hair loss struggles. Even if your insurance wants to cover "synthetic wigs", if you are allergic to synthetic hair, your insurance can reimburse.

When dealing with insurance companies it’s very important to consistently use the term “Cranial Hair Prosthesis” and NOT a “Wig”. A claim submitted with the term “Wig” will get denied because a wig is for cosmetic purposes. Referring to the same product with the term “Cranial Hair Prosthesis” which is necessary for medically related hair loss will result in a paid claim as a medical necessity. Double check your insurance benefits and coverage to ensure “Cranial Hair Prosthesis” is covered.

Most Types of Medical Hair Loss Covered By Insurance

Alopecia Hair Loss
Chemotherapy Related Hair Loss
Radiation Related Hair Loss
Thyroid Related Hair Loss
Kidney Related Hair Loss
Cancer Related Hair Loss
Medical Hair Loss Due to Genetics, Stress, Reaction to Medical Illness, Life and Environmental Changes, Aging, Thinning, and/or Balding

1. Get a prescription and letter from your doctor for “Cranial Hair Prosthesis:

Request your physician to write a letter explaining hair loss and it’s emotional effects. Cranial prosthesis is not simply for cosmetic reasons, it’s for emotional well-being.
Be sure your doctor states specific diagnosis codes. For example, Alopecia alone is not a diagnosis. Alopecia Totalis, Alopecia Areata, Alopeicia Universalis, etc. are valid diagnosis conditions.
Use the Healthcare Common Procedure Coding Systems (HCPCS) codes: S8095 and A9282.
Make sure your doctor states why this Cranial Prosthesis is considered DME (Durable Medical Equipment)
2. Complete the necessary forms for your insurance company

Use the Healthcare Common Procedure Coding Systems (HCPCS) codes: S8095 and A9282.
Insurance companies also ask for a NPI Code - this code comes from a doctor. To find the code for your doctor, use the following link to the national database: NPI Registry Search. Search for your provider using the Individual Provider search area. The NPI number is a 10 digit number located under NPI information.
Have your physician sign off on your insurance claim form.
3. Submit the custom invoice we give you.

The invoice will specifically state “cranial hair prosthesis” and not a wig. Perfect Locks will provide this invoice for you. We’ll make sure it doesn’s say “wig” anywhere on the invoice, that it includes the necessary HCPCS insurance codes, and includes our Tax ID # which is required.

4. Hand-write an emotional letter explaining your situation

Detail the effects that your condition has had on your personal life and the necessity for the Cranial Hair Prosthesis in your life. (i.e. self-esteem, grief/depression, anxiety, daily activities, relationships.)
Take pictures of yourself without hair and without makeup.
3. Enclose these additional items to reinforce your claim:

Include photos of yourself without hair or a wig and without makeup. Show the wig is not for cosmetic purposes.
Include a letter from your employer explaining the importance of having hair
If you’re not comfortable asking your employer ask a close friend, relative, or spouse.

American Cancer Society

Apply for a Grant or Voucher up to $75 to cover your Cranial Hair Prosthesis (must apply before purchasing a wig)/ You must meet certain financial guidelines and apply for this voucher before you purchase a hair system. They will not issue vouchers retroactively for purchases.

For more information, contact:
American Cancer Society
Call 1-800-227-2345
Website: http://www.cancer.org

National Alopecia Areata Foundation (NAAF)

This foundation has established the Ascot fund, which is a special pre-purchase program that provides financial assistance for individuals who have alopecia areata.

To find out if you qualify, please visit:
National Alopecia Areata Foundation
14 Mitchell Blvd. San Rafael, CA 94903
E-mail: info [!at] naaf.org
Web site: http://www.naaf.org/