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Getting Treatment

Treatment options are best discussed with the Dermatologist who made the diagnosis. However, there is general information that NAAF can provide, based primarily on your type of alopecia areata. This information is only useful as a resource; your doctor should be your primary source of all medical information.

If you are unable to find a dermatologist in your area who treats patients with alopecia areata, please contact NAAF has a list of dermatologists across the country that treats alopecia areata patients.

Patchy Alopecia Areata
Alopecia Areata Totalis/Universalis

How to File for Insurance Reimbursement

Many people with Alopecia Areata are trying to convince insurance carriers to cover the cost of a prosthesis even when the law does not require it. Information from people who have succeed in obtaining insurance payments for hair prostheses or medical treatments has been compiled in NAAF’s Insurance Packet. NAAF will provide this packet upon request.

Here, in brief, are the steps we suggest you follow to convince an insurance carrier to cover the cost of hair prostheses or medical treatment:

  • Check your benefits and covered expenses. Copy any page that specifically states that prosthetic devices (or treatments) are covered for alopecia areata or other types of hair loss.
  • Complete the claim form.
  • Obtain a doctor’s letter or prescription stating the need for a hair prosthesis or treatment.
  • Obtain the “Quality of Life Investigation of Patients with Alopecia Areata” from NAAF, and include it with your claim. This report by NAAF grant recipients Drs. Wilma Bergland and Berna Remzi contains an outline that indicates the negative impact of hair loss from alopecia areata.
  • Obtain receipt that says ‘hair prosthesis” and have the person who provides you with the prosthesis sign your insurance form.
  • Take pictures of yourself without a wig or corrective eye makeup(pictures can also be used to emphasize why treatment is needed).
  • Enclose a NAAF brochure describing alopecia areata.
  • Provide a detailed personal account of the emotional effects of your alopecia areata (and discuss the costs of frequent hair prosthesis purchases).
  • Ask your employer for a letter stating the importance of your general appearance, including your hair.

Prepare for Denial of Your Claim

  • Speak with your plan administrator.
  • Obtain a list of your rights as the Insured.
  • Obtain a copy of your full contract.
  • Know your contract.  Pay particular attention to exclusions for prosthetics (wigs may be excluded as cosmetic). If your policy does not spell out exclusions under prosthetics, this may help you win your claim. If your claim is denied as ‘not a covered benefit,’ write an appeal.
  • As for a review by a medical review board
  • Attach a copy of your original claim and all supporting materials.  Explain the difference between a wig and a prosthesis. Explain the functions of body hair: it protects the scalp from the sun; protects eyes from dust particles; regulates body temperature; filters particles from the nose and protects the skin.
  • If you are undergoing treatment, explain again how this is NOT cosmetic treatment.
  • Ask for a written reply (insurance companies resist writing anything that may be considered ‘bad faith’ in future court cases).
  • Send your appeal to a claims supervisor or manager. If you don’t, the person who initially reviewed your claim may reject it again.

Consider Small Claims Court

  • Keep all correspondence in preparation for this possibility.
  • Do not reply on your memory.
  • Insist on written confirmation from your carrier for all conversations.  Make sure this includes date, time and full name and title of the person with whom you spoke.
  • You should follow up all conversations with your own confirmation letter, which you should supply to the insurance carrier. Make sure to document the date, time, and full name and title of the person with whom you spoke.

Contact Your State Insurance Commissioner

  • You may file a claim against your insurance company through your state Insurance Commissioner’s office.

Work with your State Legislature to Secure Mandated Coverage

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