What to Do If Your Wig Claim Gets Rejected

Hearing that your insurance company has denied coverage for your cranial prosthesis (medical-grade wig) can feel frustrating and discouraging. But here’s the good news: a denial isn’t the end of the road—it’s just the beginning of the appeal process.

At The Wig Collective, we walk clients through these steps all the time, and many end up getting approval after an initial rejection. Here’s what to do if your wig claim gets denied.

Step 1: Don’t Panic

Insurance denials are common, even for benefits you’re entitled to. Often, denials happen because of:

Incorrect terminology (they won’t cover “wigs,” but they do cover cranial prostheses).
Missing documentation from your doctor.
The wrong billing or diagnosis code.
A simple clerical error.

Step 2: Review the Denial Letter

Your denial letter should explain why your claim wasn’t covered. Look for:

Reason code: Was it denied due to terminology, missing info, or coverage limits?
Next steps: Most insurers outline the appeal process directly in the letter.

Step 3: Gather Documentation

Before appealing, make sure you have all the right paperwork:

A doctor’s prescription that specifically says cranial prosthesis (not “wig”).
The diagnosis code (ICD-10) for your medical condition (e.g., chemotherapy-induced alopecia).
An itemized invoice from The Wig Collective with the correct billing code (A9282).

Step 4: File an Appeal

Every insurance company has an appeal process. Typically, you’ll need to:

Complete an appeal form.
Attach your updated documentation.
Write a short appeal letter explaining your medical need.

✨ Tip: Keep your tone factual and professional—emotional language rarely helps, but medical necessity always does.

Step 5: Get Support

At The Wig Collective, we provide clients with supporting documentation and sample letters to strengthen their appeal. You don’t have to navigate this alone—we’ve helped many women go from denial to approval.

Step 6: Explore Alternatives

If your insurance company continues to deny coverage, ask about:

Out-of-network benefits (sometimes a different department can process claims).
Reimbursement programs offered by hospitals.
Nonprofits and grants that help cover cranial prostheses for cancer and alopecia patients.

Final Thoughts

An insurance denial is not the final answer. With persistence, the right documentation, and support, many women are able to overturn denials and get their cranial prosthesis covered. You deserve access to comfort, dignity, and confidence—don’t give up after the first “no.”

✨ Most insurance plans cover cranial prostheses—we’ll guide you through the process.

📍 Visit us in our Lehi, Utah studio, or let us come to you with our Wigs on Wheels service.
📅 Book your private consultation today: https://thewigcollective.square.site

Rejected by Insurance? Your Wig Claim Appeal Guide