Note: TCSpeller.com does not process medical claims, nor do we accept prescriptions.

If a person requires a cranial prosthesis due to Medical-related hair loss such as Alopecia, Trichotillomania, or Cancer-related therapy, they may be eligible for reimbursement under their health insurance. Most insurance companies will cover from 80% to 100 % of the cost for cranial prosthesis.

Check your insurance benefits section under "covered expense" relating to prosthesis, prosthetic devices, or durable medical equipment. Most companies don't spellout exclusions, so pay attention to the actual coverage. This will help your case.

Complete your insurance claims form (usually found on the internet) and have is signed by your physician.

Request that your physician write a "PRESCRIPTION" for a "FULL CRANIAL PROSTHESIS" and a letter explaining hair loss and its effects. The letter should indicate that the need for the prosthesis is not just for cosmetic reasons, but for your emotional well-being as well .

Notify us about your medical need for alternative hair and we will  send you a receipt for a cranial prosthesis.

Keep copies of your receipts for your cranial prosthesis, and for haircuts from your stylist should you get your cut to your specification.

Send your sales receipts for your cranial prosthesis.

Enclose a letter to the insurance company stating the necessity of a prosthesis.

If your insurance company denies insurance coverage, you can appeal.

Never file an insurance claim for a wig. Always call it a CRANIAL PROSTHESIS.

If you don’t have insurance, contact your state or county agencies. The county department of social services usually offers medical assistance in most states for individuals who meet certain income guidelines.

 Optional items to include in your submission packet to your insurance company:  1) Letter from your employer 2) photos of yourself without hair 3) A letter from you detailing the emotional toll that your condition has taken on your life.                                                                                                                                                                              

 If your insurance coverage is denied, you can appeal it: 

             a. ask for review by a medical review board, include the original claim
            b. ask for a written reply as to why the claim was denied.
            c. send a letter to the claims department supervisor.

These steps are for reference. Remember to follow the procedures outlined by your insurance company to receive the fullest benefits possible.  Individual insurance companies as well as the state insurance board (each state varies) may have other or additional steps to complete.