“It’s a question I’ve had to answer a thousand times…” says Ronnie Tallent, owner of Legacy Hair Center in Charlotte NC. “It depends on a lot of different factors. But there are ways to increase your chances. Are.”
Hair loss will affect more than 50% of men and 25% of women in their lifetime. The cost of surgical and non-treatment options can potentially be in the thousands of dollars.
There are many determining factors.
Hair loss type. People can lose hair for many reasons, including:
· cancer
Baldness
Male and female pattern loss
Burns and accidents
Thyroid disorders
· A type of tree
and other medical conditions.
your insurance carrier. Some carriers are determined to do everything they can to deny insurance claims, no matter how dire the situation. Others are more sympathetic, and will be happy to assist you quickly with a valid claim.
What remedy are you adopting for hair loss. I have seen a few cases where insurance companies will consider surgical hair restoration and even laser hair therapy, but most will give some consideration to non-surgical hair replacement if the case is properly presented. .
How organized are you? Documentation is important if you are serious about moving forward with your options.
When seeking hair replacement for medical hair loss – some insurance companies actually cover between 80%-100% of the cost. Never lay claim to the wig!!! Always use the term “cranial prosthesis”.
Follow these steps to file your claim with the insurance company:
Check the booklet given to you by your insurance company. See under “Covered Expenses” relating to “Prosthesis”.
Receive a written prescription for “Cranial Hair Prosthesis” on the original prescription form, as well as a detailed letter from the doctor describing your hair loss and discomfort caused by your treatment. It’s also best to include your own personal letter detailing the emotional effects hair loss has had on your life. Include that a cranial prosthesis is necessary as is an artificial arm or leg. Also, explain the importance of hair to your job.
Take some pictures of yourself without hair. This will prove that your claim is not for cosmetic purposes.
Send your receipts, prescriptions, photos, and letters from you and your doctor to your insurance company.
If your insurance company denies you coverage, you can appeal by sending a letter to the supervisor of the claims department.
Keep in mind, sometimes you will actually have to pay out of pocket in the beginning, but the insurance company may reimburse you. If you are refused – keep trying! Persistence can pay off in a big way, and you can get the help you need.
Source by Ronnie Talent
