Original Medicare typically does not cover wigs for cancer patients because they are not considered medically necessary, even if hair loss is solely a result of cancer treatment.
Some Medicare Advantage (Part C) plans may cover wigs for cancer patients who have lost their hair due to cancer treatment side effects. This coverage may be limited, however, and many Medicare Advantage plans might not offer wigs as a covered benefit.
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If you have cancer and you’re a hospital inpatient, Medicare Part A will typically cover your chemotherapy.
If you receive outpatient treatment in a hospital, doctor’s office or a clinic, Part B will typically cover your chemotherapy sessions.
One of the most common side effects from chemotherapy and radiation therapy in cancer patients is hair loss. A wig may make beneficiaries more comfortable throughout their cancer treatment.
Medicare Part A and Part B do not, however, typically cover wigs.
Medicare Advantage plans are sold by private insurance companies as an alternative to Original Medicare.
Every Medicare Advantage plan must cover everything that Part A and Part B covers. This means that your cancer treatments that would be covered by Original Medicare would also be covered by a Medicare Advantage plan.
Most Medicare Advantage plans also cover prescription drugs, which can include oral cancer drugs and oral anti-nausea drugs when used as part of an anti-cancer chemotherapy regimen.
Depending on your plan, a Medicare Advantage plan may provide benefits to obtain a wig during cancer treatment, though a plan that does may not be available where you live. You should check with your plan carrier to learn more about your plan benefits and coverage.
Some Medicare Advantage plans also offer additional benefits, such as:
A licensed insurance agent can help you compare Medicare Advantage plans that are available in your area and the coverage they provide.
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