How do I get a prescription for a wig?

Short Answer

Yes, you can get a wig prescription from a dermatologist or primary care doctor. Here's how to request one and whether insurance will cover the cost.

Yes, you can get a wig prescription from a dermatologist or your primary care physician. It's called a "cranial prosthesis prescription," and it's designed to help cover the cost of a wig through insurance when hair loss is due to a medical condition.

If you've been researching wigs and wondering whether your insurance might help, you're not alone. Many women don't realize that a wig prescription for insurance exists until someone mentions it in passing. The process can feel confusing at first, especially when you're already managing so much.

This guide breaks down what a wig prescription is, who can write one, and how to decide if it's the right path for you.

What is a cranial prosthesis prescription?

A cranial prosthesis prescription is a medical document that classifies your wig as a medical device rather than a cosmetic accessory. The term "cranial prosthesis" simply means a hair replacement device prescribed for medical hair loss.

Insurance companies use this language because it frames the wig as medically necessary. Without this specific wording, most insurance plans won't cover any portion of the cost.

Not all hair loss qualifies. Generally, coverage applies to hair loss caused by chemotherapy, alopecia, burns, scalp surgery, or other medical conditions. Hair loss due to styling, aging, or personal preference typically isn't covered.

Who can write a wig prescription for insurance?

Several types of doctors can write a wig prescription:

Dermatologists are the most common choice. They specialize in hair and scalp conditions and understand the documentation insurance companies require.

Oncologists frequently write prescriptions for patients undergoing chemotherapy. If you're in cancer treatment, your oncologist may offer this proactively.

Primary care physicians can also write prescriptions, though they may be less familiar with the specific wording insurance companies prefer.

If you're unsure where to start, call your dermatologist's office first. Ask if they write cranial prosthesis prescriptions. Most do, and the process is usually straightforward.

How do I request a wig prescription from my doctor?

Schedule an appointment and explain that you're experiencing medical hair loss and would like a prescription for a cranial prosthesis. Use those exact words — "cranial prosthesis" — because that's the term insurance companies recognize.

Your doctor will likely document your diagnosis in your chart. Common qualifying diagnoses include alopecia areata, alopecia totalis, chemotherapy-induced alopecia, or scarring alopecia.

The prescription itself is usually a simple form or letter that includes your diagnosis, the medical necessity for the wig, and your doctor's signature. Some insurance companies have specific forms they prefer, so it's worth calling your insurance provider before your appointment to ask.

Most doctors are supportive once they understand what you need. If your doctor seems unfamiliar with the process, you can offer to provide a template or sample prescription. Many wig retailers have these available.

Will my insurance cover the cost of a wig?

It depends on your plan. Some insurance policies cover a portion of the cost, while others cover nothing at all. Even with a prescription, coverage varies widely.

Call your insurance company and ask specifically about "cranial prosthesis" or "wig coverage for medical hair loss." Ask these questions:

Does my plan cover cranial prostheses? What percentage is covered? Is there a maximum dollar amount? Do I need pre-authorization? Are there specific suppliers I must use?

Some plans cover 80% of the cost up to a certain amount. Others offer a flat reimbursement, like $300 or $500. A few plans don't cover wigs at all, even with a prescription.

If your insurance doesn't cover wigs, the prescription may still help you claim the expense as a tax deduction. Talk to a tax professional about medical expense deductions.

Do I need a prescription to buy a wig?

No. You can buy a wig anytime, with or without a prescription. A prescription is only necessary if you want insurance reimbursement.

Many women choose to buy a wig first and handle the insurance paperwork later. This gives you control over your wig buying guide process without waiting for approvals.

If you decide to pursue insurance coverage, keep all your receipts. Some insurance companies reimburse you after purchase, while others require pre-authorization. Knowing your plan's process helps you avoid surprises.

How to choose a wig that fits your lifestyle

Whether you're using insurance or paying out of pocket, the most important factor is choosing a wig that works for your daily life.

Think about your routine. Do you need something you can put on quickly in the morning? Are you active and need a secure fit? Do you want styling flexibility, or do you prefer low maintenance?

Consider your comfort level. Some women want a wig that blends seamlessly with their previous hairstyle. Others see this as an opportunity to try something new.

If you're new to wigs, a glueless wig is often the easiest starting point. It's beginner-friendly and doesn't require adhesives or complicated application. Many women in our BossCrowns community recommend starting simple and exploring from there.

Your wig shopping tips should include trying on different cap constructions. A wig that fits well feels secure without being tight. You shouldn't feel pressure on your scalp or temples after wearing it for a few hours.

What if my insurance denies my claim?

Denials happen, even with a valid prescription. Insurance companies sometimes reject claims due to unclear wording, missing documentation, or plan exclusions.

If your claim is denied, ask for a written explanation. Sometimes the issue is simple — like needing your doctor to reword the prescription or provide additional medical records.

You have the right to appeal. Many women succeed on appeal, especially when their doctor provides more detailed documentation about the emotional and psychological impact of hair loss.

If the appeal doesn't work, ask your wig retailer about payment plans or financing options. Some retailers also offer discounts for medical hair loss, even without insurance coverage.

You don't have to figure this out alone

Navigating prescriptions and insurance feels like one more thing to manage when you're already dealing with hair loss. It's okay to feel frustrated by the paperwork.

Here's what matters: whether you pursue insurance coverage or not, you deserve a wig that makes you feel like yourself. The prescription process is just one possible path. It's not a requirement for moving forward.

Many women find that once they have their wig, the administrative details fade into the background. What stays is the confidence that comes from taking control of this part of your life, on your terms.

You're already doing the research. You're asking the right questions. That's exactly how to choose a wig that works for you — thoughtfully, at your own pace, with the information you need to decide what's best.

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Frequently Asked Questions

Can a regular doctor write a prescription for a wig?

Yes. Your primary care physician, dermatologist, or oncologist can write a cranial prosthesis prescription for medical hair loss.

How much does insurance typically cover for a wig?

Coverage varies widely — some plans cover 80% up to a cap, others offer flat amounts like $300-$500, and some don't cover wigs at all.

Can I buy a wig without a prescription?

Absolutely. You can purchase any wig without a prescription. You only need one if you're seeking insurance reimbursement.