Tips For Filing A Claim

• Check your insurance booklet for benefits and covered expenses.  Copy any page that specifically states coverage of prosthesis or prosthetic devices.
• Obtain the name of the person at your insurance company who would be directly responsible for reviewing, processing or approving your claim.  Find out the exact approval procedure.
• Complete your claim form
• Take pictures of yourself without a hair prosthesis and without corrective eye makeup.  This will immediately show that your claim is not for cosmetic purposes.
• Detail the emotional effects of (medically related) hair loss.
• Ask your employer for a letter on the importance of your having hair on the job.
• Write a letter directly to the appropriate insurance claim agent explaining the details of chemotherapy, alopecia, radiation, burns, or surgery as it relates to your hair loss.  Detail the emotional effects it has had on your life.  Discuss the financial aspects of frequent wig purchases.  Advise that cranial prosthesis is just as medically necessary as a prosthetic limb or breast – it replaces a missing body part.
• Enclose brochures and pamphlets endorsed by the following support organizations.  This is important if the insurance company has questions during the review process.

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