Q: Are manual cold caps or machine scalp cooling covered by insurance?
A: Machine scalp cooling has received CPT diagnostic codes from the American Medical Association.
CPT® codes effective July 1, 2021
Effective 1/1/2022, Medicare will reimburse chemotherapy facilities for the cost of machine scalp cooling. Please discuss with your provider or clinic if you are Medicare eligible.
Both DigniCap and Paxman have insurance sections on their websites that will be helpful to their users.
Manual cold caps have no unique CPT codes assigned to them. Some suggested CPT codes are:
97039 (Constant attendance) This code is also reported to be used by Blue Shield for Durable Medical Equipment
A9273 (Ice cap, cold wrap or pack)
A9282 (Wig any type, Cranial/scalp prosthesis)
Your manual cap rental provider may know of patient insurance successes. Coverage is inconsistent but not uncommon. Be sure to discuss with them before filing your claim.
Patient Reports:
A 2017 patient received 80% reimbursement of her cap rental fees from Blue Cross of California. She reports they used code 704.00 for alopecia, and code A9282 for the cold caps (full cranial hair prosthesis).
In March 2018 an Aetna patient received 80% reimbursement for her manual cap rental fees. She reports using Diagnosis Code L65.9, Procedure Codes 97010, NCD110.9.
In December 2017 a cap user from Atlanta wrote “I just got my reimbursement check from Aetna for my cold caps!! I filled out the Medical Reimbursement Form, attached my itemized bill from Penguin and typed up a letter saying what all the equipment was and how it works (copied from Penguin website). The code used was E1399 for durable medical equipment. I didn't keep my receipts for dry ice since it wasn't covered then but I am thrilled to have my caps covered!!! The nurse case manager was super helpful in figuring this out with me.”
We also have a report (Jan 2018) of the first coverage approval for rented caps that we are aware of from United Health Care. The code that was successfully applied was again E1399 for durable medical equipment.
ICD codes on your claim form need to match your diagnosis exactly. These will likely be in the range of 0–C96.9 (Malignant neoplasm)
Suggested ICD diagnosis codes are:
Z51.11 (Antineoplastic chemotherapy)
L65.9 (Nonscarring hair loss unspecified, chemotherapy induced alopecia)
A 2016 patient advised that she submitted for reimbursement using a primary diagnosis code of L65.9 for a cranial prosthesis. This appears to be a new (in 2016) code - and she was told the info below is no longer current. However we are leaving it posted at this time in case it still has any usefulness.
In 2014 we learned a patient was successful with insurance! The patient wrote:
I wanted to let you know that after denying my claim for cold caps, Anthem Blue Cross reversed themselves and paid. Below are the procedure and dx codes that did the trick. The first time they denied I called up and asked for the basis of the denial and checked what code they had used. They had changed the procedure code to an unspecified code and denied on that. My appeal was for them to process as the doctor had ordered. They did and paid ($1073 out of $1700 submitted). Please encourage others with and without Blue Cross to submit. Every time someone gets paid, it is a victory.
Cranial prosthesis A9282
dx alopecia for chemotherapy 704.00
We previously learned of a New York State employee whose insurance (through the state) did pay for about 85% of her cold cap rental expenses. Here's her story:
My oncologist's prescription stated that it was for a "Full Hair Prosthesis" for chemo induced alopecia, dx. code 179.9. When I telephoned my insurance company, they told me they would cover up to $1,500 for the cost of a wig.
After I completed chemo, I submitted the prescription, an invoice from MSC-Worldwide, and copies of my credit card statements showing the monthly fees I paid. (I submitted nothing about the deposit.) The insurance company first rejected my submission with no explanation code. I followed up by telephone and was told they rejected it because it was for a rental, not a purchase. I argued that no one told me about a rental exclusion etc. and they very nicely said that they would resubmit the claim, which much to my surprise, they then paid!
For further discussion of insurance coverage for cranial prostheses for chemo-induced hair loss, please read here.