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Your health insurance can reimburse you up to 80%-100% for the cost of a wig

At Bourgeois Beauty & Body Studio, we sell high quality custom wigs. Did you know, that if you are like so many of the men and women out there that need a wig for a medical reason (Cancer related wig or Alopecia wig) you may be eligible for a reimbursement from your current health insurance provider? In fact, most insurance companies will cover between 80% and 100% of the purchase price of a wig or hairpiece for medically related hair replacement purposes. Most insurance companies do not dictate where you should purchase a wig.

The trick is knowing what insurance companies look for. A claim submitted with the term "wig" will more than likely be rejected by insurance companies because it is seen as a cosmetic expense, while referring to the same product as a "Cranial Hair Prosthesis" necessary for medically related hair loss will just as often result in a paid claim as a medical necessity. Along with submitting a written prescription from a medical professional, it is important to send a personal note detailing the psychological effect the hair loss has had on you.


STEPS TO GET YOUR MEDICAL WIG COVERED BY INSURANCE

Get pre-approved for a medical wig

Obtain a prescription from your doctor for a medical wig

Purchase your medical wig

File an insurance claim


How to File Your Initial Insurance Claim

Receive a letter or prescription from your doctor for a “Cranial Hair Prosthesis.” A prescription should include a diagnosis code, we will use this code when generating an invoice for submission to insurance.

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 a receipt from the company where you purchased your Cranial Hair Prosthesis. Make sure it does not say “wig” anywhere and that it includes the HCPCS insurance codes. *WE CAN HELP WITH THIS*

Also have the company where the piece was purchased include their Tax ID# on any receipts.

Have your physician sign off on the insurance claim form.

Double check your insurance claim form to make sure you legibly included the following elements:

The item “Cranial Hair Prosthesis”

Diagnosis Code

NPI Code

The billing HCPCS codes: S8095 and A9282

The company’s Tax ID #

Your physician’s signature


We do not submit to insurance companies directly.

All our sales receipts have insurance information on them so you can submitt them for your own reimbursement.


There are no guarantees as not every company reimburses, but you should try.


It’s important to know that in order to qualify, most insurance companies, require a qualifying medical diagnosis given by your treating physician which could make you eligible for reimbursement for your medical wig also called Cranial Prosthesis.

When looking over your insurance policy to verify your coverage the information will likely be listed under the section called: Durable Medical Equipment.

Note: Just because you don’t see cranial hair prosthesis listed, it does not automatically mean you don’t have coverage. Approval can be obtained by calling your insurance company and getting a pre-authorization.

When filing your claim for insurance coverage for your medical wig, it’s vital that you use the correct terminology and diagnosis codes assigned by your prescribing physician when submitting your reimbursement claim.


Some common terms for medical wigs include:

cranial prosthesis (CP)

hair prosthesis

cranial hair prosthesis

extra-cranial prosthesis.


GRANTS & VOUCHERS

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


Grant Coverage for Medical Wigs:

Thanks to the NAAF (National Alopecia Areata Foundation) many people are receiving assistance with the purchase of lace wigs! NAAF developed and manages a special program called the Ascot Fund. This pre-purchase program provides financial assistance towards the purchase of custom made lace wigs. The program is open to individuals who suffer from alopecia or similar condition and are experiencing financial hardship. Since its start in 2004, hundreds of individuals have benefited from this fund.


ELIGIBILITY:

You are eligible for the Ascot Fund if you meet the following requirements:

* have been diagnosed with alopecia areata by a dermatologist or doctor,

* are unable to purchase a hairpiece due to financial challenges,

* are not already in possession of the hairpiece shown on the application,

* have not already paid for the full balance of the cost of the hairpiece.

(The Ascot Fund is a pre-purchase program; reimbursements are not provided for any purchases paid in full either by credit card or other financial means).

The maximum amount awarded is $500. The applicant needs to be able to pay any balance beyond the award amount.


TO APPLY:

Follow the guidance below to find out if you qualify for a grant towards your custom lace wig.

To obtain the forms please call 415-472-3780 or E-mail: [email protected] and ask for the Ascot Fund Application form.

Select the lace wig that you would like from our website. We will not require payment from you at this time.


Guidelines for Filing Initial lnsurance Claims:

1. Most insurance policies cover "Prescribed Cranial Prosthesis" but do not

cover wigs.

2. Insurance companies cover the cost under procedure codes S8095 and

A9282

3. Get a letter and/or prescription from your doctor.

4. Make sure that the letter or prescription is for "Prescribed Cranial

Prosthesis"

5. It should not say wig-if it does, have it redone, otherwise your claim will most

likely be refused.

6. Have a receipt from the company you purchased the Cranial Prosthesis.

Make sure it says "Prescribed Cranial Prosthesis."

7. Have the physician sign off on the insurance claim form.

Once your application is approved, you will be notified by the NAAF. At that time we will begin constructing your custom lace wig.

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: [email protected]

Web site: http://www.naaf.org/


Types of 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 Issue Related Hair Loss


We are excited to meet with you during your consultation and look forward to providing you with beautiful hair. Bring 3 welted hair extensions bundles and a lace frontal or lace closure to your consultation. Click on the link “Appointment booking” to schedule your consultation.