Insurance and Medical Wigs: What You Need to Know
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Understanding Medical Wig Coverage
When you’re dealing with hair loss from chemotherapy, alopecia, or another medical condition, a high-quality wig can do more than cover your scalp — it can help restore your confidence.
What many people don’t know is that medical-grade wigs, also known as cranial prostheses, may be covered by insurance.
Let’s break down what you need to know to access that benefit.
What Is a Cranial Prosthesis?
A cranial prosthesis is a medical-grade wig designed specifically for individuals experiencing hair loss due to medical conditions. These conditions can include cancer treatment, alopecia (in all forms), lupus, trichotillomania, or scalp burns.
Medical wigs differ from fashion wigs because they are made for sensitive scalps, offer a secure fit, and are crafted to look natural while qualifying for insurance reimbursement.
Does Insurance Cover Medical Wigs?
In many cases, yes — insurance may cover all or part of the cost. To qualify, the wig must be considered a cranial prosthesis and you’ll usually need a prescription from a medical provider. Insurance companies often look for documentation that includes a medical diagnosis and proof of necessity.
Coverage amounts vary. Some insurance plans pay the full cost, while others cover a set amount such as $350, $800, or even $1,500. It depends on your individual plan and benefits.
What Do I Need to File a Claim?
To submit a successful insurance claim for your cranial prosthesis, you’ll typically need a few key items.
First, you’ll need a prescription or letter of medical necessity from your healthcare provider. This document should include the diagnosis code — such as cancer (C00–D49) or alopecia areata (L63.9).
Second, you’ll need an itemized receipt showing that you purchased the prosthesis from a licensed provider like Sumur & Co. Hair Studio.
Lastly, you’ll need to follow your insurer’s specific claim process, which may include a claim form, proof of payment, and additional documents.
How We Make It Easy at Sumur & Co.
We know insurance paperwork can feel overwhelming — especially during a health crisis. That’s why we streamline the entire process.
We verify your insurance benefits for you.
We prepare all documentation required for your claim.
We work with your doctor to make sure everything is compliant.
And we’re available to guide you every step of the way — from consultation to claim submission.
Final Tips to Get Covered
Start by speaking with your doctor about getting a prescription for a cranial prosthesis. Review your insurance policy to confirm whether you have DME (Durable Medical Equipment) or prosthetic coverage.
Keep all documents related to your wig purchase, and if you’re unsure where to start — book a consultation with a provider who understands the process.
Ready to See if You’re Covered?
Fill out our coverage intake form. Don't have a prescription just select no and we will go from there.