We are in-network, with the following insurance companies:
|AEtna||Blue Cross, Blue Shield|
|Cigna Health Services||ppo Next|
|Independent Physicians of Denton County||ProNet|
|North Texas Healthcare||Multiplan|
|United Healthcare||Medicare (Does Not Pay For Wigs)|
|Galaxy Healthcare||One HealthPlan of Texas - Great West|
|Unicare||Texas True Choice|
Wig Insurance Information
Many networks pay for all, or
a large portion, of a wig for medically induced hair loss, depending on the annual
deductible and Out Of Pocket expenses met . These reasons may include chemotherapy,
radiation to the head, alopecia and trichotillomania (hair pulling). Aetna seems
to be the company most likely to cover a wig for alopecia or hair pulling.
Medicare DOES NOT pay for wigs no matter the reason of hair loss. Since
wigs, or cranial hair prostheses, are covered under some healthcare policies,
it is imperative that benefits be checked for each individual patient. Also understand
that even though your policy may cover a wig, they may cover only a potion of the
wig, or not at all.
Try going to your employer's human resource manager and negotiate with them to pay all or part of the wig, because "you need a good wig to be presentable and self confident at work, and it will help you psychologically in the healing process." An attractive wig helps co-workers to not focus on the 'co-worker with cancer'.
Items not covered by insurance networks in most states are: wig care products and services, the wig cut and style, hats, turbans, scarves or any other head-coverings, however, several states do require insurance companies to cover head-coverings. Check with your state.
The Women's Health and Cancer Rights Act of 1998 requires insurers who provide coverage for mastectomy surgery to provide coverage for:
In essence, Federal Law mandates that healthcare providers who cover the cost to remove a breast due to cancer must also cover the cost of reconstruction and / or mastectomy products. There are exceptions to every rule, i.e., self-insured groups, in some cases, will not cover.
The reason for this Federal Mandate is health as well as aesthetic. When a breast is removed the loss of that weight on one side will throw you off balance. Your body compensates for that loss, which now effects your neck, shoulders and back and causes even more problems down the road.
Each healthcare provider has different 'standards' as to the number of products and the frequency of purchase. Most insurance companies we work with allow 1 breast prosthesis (2 if you are bilateral) every 2 years and 2 to 4 mastectomy bras each year. And, of course, there is always your deductible. Your deductible must be met before insurance will pay for these products.
Most insurance companies will also cover the BALANCE products, so check that out also. Lumpectomy surgeries can include removal of the affected portion of the breast. Companies that manufacture breast forms produce several products that replace the removed tissue with partial breasts that are available in several shapes and up to 14 sizes to fill-in or balance the affected breast with the other breast.