Top 5 Myths About Insurance and Wigs

Why Insurance Matters in Your Wig Journey

When facing medical hair loss from conditions like cancer, alopecia, or autoimmune disorders, a wig isn’t just a style choice — it’s a medical necessity. That’s why insurance companies often cover them under the term cranial prosthesis.

Unfortunately, there’s a lot of confusion out there about whether wigs are covered, how claims work, and what options patients really have. Let’s clear up the top 5 myths so you can move forward with confidence.

Myth #1: “Insurance never covers wigs.”

Truth: Most insurance plans do cover wigs if they’re billed correctly as a cranial prosthesis.

Insurance companies don’t usually recognize the word “wig” as a medical device, but they do recognize cranial prosthesis. Using the right terminology and insurance codes makes all the difference.

👉 At The Wig Collective, we guide you through the process step by step so your claim is submitted correctly.

Myth #2: “The process is too complicated.”

Truth: While it can feel intimidating, you don’t have to navigate it alone.

The main steps usually involve:

Getting a prescription from your doctor that says cranial prosthesis.
Submitting the claim with the correct insurance codes.
Choosing a medical-grade wig from a certified provider. (That's us!)

✨ With expert help, the paperwork becomes manageable — and the

peace of mind is worth it.

Myth #3: “Insurance only covers basic or unattractive wigs.”

Truth: Coverage applies to medical-grade wigs, which are high-quality and stylish.

Medical wigs come in a wide range of colors, lengths, and styles. Whether you want a natural look, a bold new cut, or something in between, your insurance-covered wig can still reflect your personality.

At The Wig Collective, we specialize in wigs that feel comfortable, look beautiful, and restore confidence — not “basic” at all.

Myth #4: “If I buy first, I won’t get reimbursed.”

Truth: Many plans allow reimbursement if you follow the correct process.

Some clients prefer to pay upfront and then submit the claim for reimbursement. Others have coverage arranged directly through us. Both options are possible — what matters is keeping your receipts, documentation, and prescription.

Myth #5: “Only cancer patients qualify for coverage.”

Truth: Insurance may cover wigs for anyone with medical hair loss.

That includes alopecia, autoimmune conditions, trichotillomania, and other medical causes of hair loss. If your doctor prescribes a cranial prosthesis, your insurance plan may help cover it.

Confidence, Comfort, and Coverage

Understanding your benefits takes the stress out of wig shopping. With the right terminology and support, you can access the coverage you deserve and focus on what matters most: feeling confident, comfortable, and like yourself again.

Ready to Begin?

At The Wig Collective in Lehi, Utah, we specialize in medical-grade wigs, insurance support, and compassionate consultations. Whether you come to our studio or we bring our Wigs on Wheels service to you, we’ll walk you through the process step by step.

👉 Book your consultation today

Insurance and Wigs: Separating Myths from Reality