Wigs, Insurance & Medical Hair Loss: What You Need to Know

At MiracleWigs, we understand that hair loss is never just physical—it’s personal. Whether you’re experiencing it due to alopecia, chemotherapy, or another medical condition, we believe you deserve access to solutions that restore your confidence and dignity. This guide is here to help you understand how wigs (also known as cranial prostheses) can be covered by insurance, and how to navigate that process with ease.

Understanding Medical Hair Loss

Alopecia

Alopecia is a medical condition that causes hair loss in varying degrees. The most common form, alopecia areata, is an autoimmune disorder where the immune system attacks hair follicles. It can be unpredictable, affecting anyone regardless of age or gender.

Learn more: National Alopecia Areata Foundation

Cancer & Chemotherapy

Hair loss is a common side effect of chemotherapy and radiation therapy. For many women and men undergoing cancer treatment, a well-made wig is more than a cosmetic accessory—it’s a part of the healing journey.

Learn more: American Cancer Society – Hair Loss and Cancer Treatment

Wigs & Insurance: What Is Covered?

The good news: many insurance providers offer partial or full reimbursement for wigs needed due to medical hair loss. However, there are some important steps and terminology you should know:

Use the Term “Cranial Prosthesis”

This is the medical term for a wig worn due to hair loss caused by a medical condition. Using this term on prescriptions and invoices increases your chance of reimbursement.

Get a Prescription

Ask your doctor for a prescription that includes:

• The term “cranial prosthesis”

• The ICD-10 diagnosis code (e.g., L63.9 for alopecia areata)

• A brief note explaining medical necessity

Submit for Reimbursement

Once you’ve purchased your wig, submit the following to your insurance provider:

• The prescription

• Your detailed invoice from MiracleWigs

• A letter of medical necessity (your physician can help with this)

Need help with that letter? We’re happy to provide a template upon request.

Common Questions

Will Medicare or Medicaid cover my wig?

Original Medicare typically does not cover wigs. However, some Medicare Advantage (Part C) plans might. Medicaid coverage varies by state. Always check with your provider for specifics.

How much does insurance typically cover?

Coverage amounts vary. Some plans reimburse a portion (e.g., $250–$500), while others may cover the full cost if it’s under a certain limit. Calling your provider is the best way to find out.

If You’re Uninsured or Need Financial Help

There are several organizations offering assistance for medical hair loss:

• HairToStay

• Wigs & Wishes

• American Cancer Society Wig Programs

• Locks of Love

We also offer payment plans and guidance on selecting a wig that fits both your lifestyle and budget.

How MiracleWigs Supports You

At MiracleWigs, we go beyond just beautiful wigs—we help you through the entire insurance process. Our team provides:

• Insurance-ready invoices using medical terminology

• Support with paperwork and documentation

• Personalized consultations for a perfect fit