Does my Insurance cover these expenses?
You should check with your insurance company and their “Benefit Booklet” given to you by your insurance carrier. This should list in detail all of the covered expenses under your particular plan. Look for the section “covered expenses” relating to “prosthesis” or “Prosthetic devises” and see if your insurance will cover any or all of your expenses.
Obtain a written prescription provided to you on an actual prescription form.
Request a detailed written letter from your doctor explaining the extent of the (expected) hair loss and the mental distress combined with what you will be or are going through. Ask your doctor to use words as “cranial prosthesis” and “prosthesis”
If you already are facing hair loss: have a picture taken of yourself without any hair addition thereby establishing that your claim is not for cosmetic purpose.
Make sure that you obtain a sales receipt or invoice with the wording: “Cranial Prosthesis”.
Compose and write a letter that explains the personal emotional effects that hair loss has on your life. Be persuasive in arguing that a cranial prosthesis is just as medically necessary as a prosthetic limb or breast – it replaces a body part – hair.
If you feel comfortable involving your employer then ask him or her to write a letter explaining the importance of having hair on your job!