How to Get Insurance to Cover Your Medical Wig: A Step-by-Step Guide with Sisterly Support

Losing your hair due to a medical condition can be one of the most vulnerable, emotional experiences a person faces. And on top of that? You’re often left to navigate insurance claims, prescriptions, codes, and paperwork—just to get help paying for something that feels essential to your confidence and healing.

At Texture Luxe, we understand what you’re going through. That’s why we’re here not only to craft your cranial prosthesis with care and compassion—but to guide you through the insurance process, too.

Whether you’re dealing with alopecia, chemotherapy-related hair loss, autoimmune disorders, or scalp trauma, we’re here to make sure you’re supported at every turn.

Here’s what you need to know:

Step 1: Get a Medical Diagnosis

Before anything else, you’ll need a clear diagnosis from a licensed medical provider, such as a dermatologist, oncologist, or primary care physician. This diagnosis should clearly state that you’re experiencing hair loss due to a medical condition.

Common qualifying diagnoses include:

• Alopecia areata or totalis

• Chemotherapy-induced alopecia

• Scarring alopecias (like CCCA or lichen planopilaris)

• Trichotillomania

• Burns or trauma

• Endocrine or autoimmune disorders causing hair loss

📌 Pro Tip: Make sure your doctor documents the medical condition and the necessity of a cranial prosthesis in your chart notes.

Step 2: Ask for a Prescription for a Cranial Prosthesis

This step is crucial. Your doctor must write you a prescription that specifically uses the term “cranial prosthesis.”

Insurance companies often reject claims that simply say “wig” because they may view wigs as cosmetic. However, the term “cranial prosthesis” designates the wig as medically necessary.

Your prescription should include:

• Your name

• Your diagnosis

• The phrase “cranial prosthesis”

• The prescribing doctor’s information

• The date

If you’re unsure how to ask for this, we can provide you with a sample prescription request form to bring to your provider.

Step 3: Schedule a Consultation with Texture Luxe

Once you have your diagnosis and prescription in hand, it’s time to meet with a Certified Cranial Prosthesis Specialist—and that’s where we come in.

During your consultation at Texture Luxe, we will:

• Assess your scalp and comfort needs

• Take your head measurements for a secure, personalized fit

• Discuss lifestyle, texture, and color preferences

• Help you choose the right wig type 

• Provide a written estimate for insurance

We’ll also walk you through what to expect with care, styling, and long-term wear. This isn’t just about hair—it’s about restoration, both inside and out.

Step 4: Submit Your Insurance Claim with Proper Documentation

After your unit is complete and fitted, we’ll give you a detailed itemized invoice with the correct medical coding. This invoice proves the product is not cosmetic, but medically necessary.

We’ll also include:

• Our provider information

• A description of your custom unit

• The amount paid or due

• Any receipts or appointment confirmations

You’ll then submit this along with:

• Your doctor’s prescription

• Your diagnosis (if required by your insurance)

• Any pre-approval forms (some insurance plans require this before purchase)

Every plan is different, so don’t be discouraged if you need to call and ask your insurer how to submit claims. We’re happy to guide you through those conversations.

Step 5: Follow Up With Your Insurance Provider

After your documents are submitted, don’t assume silence means denial—it may just mean processing delays or missing paperwork.

We recommend:

• Calling within 7–10 business days of submission

• Asking for confirmation of receipt

• Writing down the name of the representative you spoke with

• Following up every 1–2 weeks for updates

If your claim is denied, you have the right to file an appeal. We’ll be right here to help you gather whatever you need to fight for your reimbursement.

What Insurance Usually Covers

Many insurance plans will cover a portion or even 100% of the cost of one cranial prosthesis per calendar year. However, coverage depends entirely on your specific plan.

Check your policy for terms like:

• Durable Medical Equipment (DME)

• Cranial Prosthesis Coverage

• Hair Loss Due to Medical Conditions

• External Prosthetics

📞 Before your consultation, we recommend calling your insurance provider and asking:

• “Does my plan cover a cranial prosthesis due to medical hair loss?”

• “What documentation do you require?”

• “Is pre-authorization necessary?”

• “How much is covered and how often?”

We’re Here to Support You

At Texture Luxe, we’re more than a wig provider. We’re your advocates. Your support system. Your safe space during one of the most emotionally and physically vulnerable times in your life.

We want you to feel seen, understood, and empowered—not overwhelmed with paperwork.

💌 If you have any questions about the insurance process, prescriptions, or appointments, don’t hesitate to reach out.

You’ve been through enough. Let us help make this process smoother—because your healing journey deserves softness and support.

📍 Texture Luxe | Certified Cranial Prosthesis Specialist
📞 Contact Us | 💻 Book a Consultation | 💡 Insurance Support Available
✨ Your crown is sacred. Let’s protect it—together.