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Jorani Raw Hair's Insurance Coverage Guide

 This section is for clients who are purchasing a wig for medical purposes. 

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What is a Cranial Prosthesis/Medical Wig?

 

A cranial prosthesis is a custom wig for medical patients that have permanent hair loss or temporary hair loss from treatment for chemotherapy, radiation, kidney dialysis or any other clinical disease. All of our cranial prosthesis are made from 100% Raw Cambodian hair.  

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Can Health Insurance Cover the Cost of Your Cranial Prosthesis?

 

Most insurance companies will cover between 80-100% of the cost for your full cranial prosthesis and will allow you to receive one cranial prosthesis per year for medical hair loss. Depending on your insurance, your prosthesis may also be a tax deductible medical expense. We work with all major and private insurance providers and we accept health savings, flexible spending and health reimbursement accounts. 

Through research, we discovered that in default policies there is no coverage for wigs as they are part of the Standard List of Exclusions. However, you can contact your employer's HR department or your insurance broker to renegotiate your insurance contract to include your cranial prosthesis coverage.

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Types of Medical Hair Loss Covered By Insurance

  • Alopecia Hair Loss

  • Cancer Related Hair Loss

  • Chemotherapy Related Hair Loss

  • Radiation Related Hair Loss

  • Thyroid Related Hair Loss

  • Kidney Related Hair Loss

  • Medical Hair Loss Due to:

    • Genetics 

    • Stress 

    • Reaction to Medical Illness 

    • Life and Environmental Changes 

    • Aging 

    • Thinning and/or Balding

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Steps to Follow 

 

Contact your Health Insurance Provider's Benefits Services and ask:

  • If your policy covers a cranial prosthesis

  • How much of the cost will they cover

  • What specific documentation they need to submit your claim.

 

Note: If you are reviewing your insurance policy and do not see cranial prosthesis listed, this does not automatically mean that you don’t have coverage. We highly recommend calling your Health Insurance Provider to verify. You can also contact our insurance coordinators at 

info@joranirawhair.com to request a pre-authorization.​ Please allow us to call you back within 24 - 48 hours.

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If Your Insurance Company Won't Assist With Coverage

 

Your out of pocket expense may qualify as a tax deduction. Save the receipt and keep your invoice when filing your taxes. 

 

You can speak with your doctor or social worker about local resources. There are also other Vouchers & Grants available.

(See below)

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Grants & Vouchers

American Cancer Society

Apply for a Grant or Voucher to cover your Cranial Hair Prosthesis. You must meet certain financial guidelines and apply for this voucher before you purchasing a cranial prosthesis. *vouchers will not be issued retroactively for purchases.*

For more information, contact:
American Cancer Society
Call 1-800-227-2345
Website: http://www.cancer.org

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National Alopecia Areata Foundation (NAAF)

This foundation has established the Ascot fund, which is a special pre-purchase program that provides financial assistance for individuals who have alopecia areata.

To find out if you qualify, please visit:
National Alopecia Areata Foundation
14 Mitchell Blvd. San Rafael, CA 94903
E-mail: info@naaf.org
Web site: http://www.naaf.org/

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