Wigs & Hairpieces

Wigs and hairpieces, sometimes referred to as cranial prostheses, are covered under some health plans when hair loss results from a medical condition or treatment, such as chemotherapy or alopecia. These benefits help restore appearance and confidence during recovery.

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Coverage typically applies only when the wig or hairpiece is prescribed by a physician and purchased from an approved provider. Insurers usually set annual or lifetime caps, such as $300 every three years or $500 lifetime.

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Example:

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If your plan provides up to $400 for a medically required wig and your purchase costs $550, you will receive $400 in reimbursement and pay $150 out of pocket.

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What to Watch For:

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Cosmetic wigs for non-medical reasons are not covered. Ensure the supplier provides a detailed receipt indicating “cranial prosthesis” for insurance purposes.