INSURANCE, Uncategorized

Are your hands insured??

I am a stylist, should I get insurance for my hands? 

Celebrities insure their legs, faces and other body parts for millions of dollars. Why? Because it’s how they put bread, money as they call it, on the table.

I was thinking just the other day, as a wig maker and hairstylist, I need to insure my money makers too. As should you if you work with your hands styling hair or making wigs.

Depending upon how long you’ve been in the hair industry, your hands could be worth hundreds of thousands, millions even. Think about wages lost if you suffered a broken hand or severe laceration and had to stop using your hands and heal. That could mean the difference between keeping your business or losing it.

This discussion isn’t designed to scare you, no. It’s designed to share the importance of securing your future. Also taking care of yourself and your family. And to get you thinking about your worth.

People never think twice about health insurance for the body. But there are policies out there for just hands, legs or faces as well.
Disability insurance is A policy that will pay you a monthly benefit if you become disabled or not able to work due to injury , illness or accidents. It’s one of the only insurance that protects your income.  If you are out of work for any of these reasons this insurance will ensure that you get a check to take care of yourself. It usually cost 2% of your gross income. Premiums may cost you between $1 to $3   A day. This is a small price to pay to ensure that you get a check when you’re not able to work.

The first place to start the discussion of insurance is with your current insurer. If you want to go a step further, reach out to an independent broker to see what options they have. You may even have the option to create a unique policy.

Was this blog helpful? Please spread the word.
Bye Loves xoxo
Jane ( wigmaker )
INSURANCE

How to get your insurance to pay for your wig.

After much research, I found out that over 40% of insurance companies pay for a cranial prosthesis. Cranial prosthesis is another word for wig. For some people getting a wig is a medical necessity. If you fall into this category it’s important you get the insurance to pay for it in full or partially.

Please read below to see a list of how.
1. Diagnosis: A medical doctor will have to diagnose you with the medical condition that causes your hair loss.
2. Insurance Benefit: Just because it’s not listed on your policy doesn’t mean you’re not covered, you want to call them to see if you can get a pre-approval before you go purchase a wig. Please be aware of the terms used, a lot of insurance company will not approve the claim that has a wig on it because they view it as cosmetic. You want to use the medical terms like cranial prosthesis,  hair prosthesis, cranial hair prosthesis or extracranial prosthesis. Contact your medical insurance to ask them if they cover cranial prosthesis or medical necessary wigs and find out what the percentage they cover and what else you need to show them to get the process going. Find out your out of pocket limit deductible requirements E.T.C. before moving forward.
3. A written prescription from your doctor. After your diagnoses, your doctor can prescribe a cranial prosthesis or a necessary wig for you. A medical code along with the bill for your Wig can be submitted to the insurance company. Wig makers or companies can be reimbursed or insurance companies can be billed directly.
4. Who you buy your wig from is extremely important. You want to make sure that you are purchasing your wig from a company that has a Taxpayer Identification Number. You also want to make sure the company or person you’re getting it from is a reputable professional and reliable. The last thing you want to deal with is a company that will give you the runaround, please check out The Virgin Hair Fantasy.  We are experienced at taking care of clients with all types of hair concerns. We have been supplying great quality service and products as a company for over 10 years and we cannot wait to assist you. Please click on these links to check out our Instagram page and YouTube channel to see our work. You can also call us at 18552804247.