Can FSA or HSA Cover Your Wig? Here's the Deal

Jul 28

Your Flexible Spending Account (FSA) or Health Savings Account (HSA) could be the hidden hero in your hair loss journey.

Here is an image of bLUXE owner, Heather Cohen with her blonde wig on wearing a white lace top. She's smiling as she styles a client's custom made wig in her private wig room in Medway, MA. Your FSA or HSA for a Wig may cover your costs — bLUXE Owner and Hair-Loss Solutions Specialist, Heather Cohen

For people dealing with hair loss, the physical and emotional challenges are only part of the story…

There’s also the cost! What most don’t know is that, in many cases, you can use your pre-tax healthcare dollars to help cover the expense. A wig can be considered a qualified medical expense and eligible for reimbursement with pre-tax funds from an FSA or HSA under specific conditions. And if you’re working with your insurance, b.LUXE is here to help make it as easy (and stress-free) as possible.

FSA & HSA: Beauty + Health in One Swipe

Think FSA or HSA funds are just for prescriptions and copays? Think again. If you’re struggling with hair loss caused by medication or a medical condition—such as alopecia, hormonal imbalance, stress, or treatments like chemotherapy or radiation—you may be able to use your HSA or FSA funds to help cover the cost of a wig.

Insurance Reimbursement

Depending on your individual insurance plan and circumstances, you may also be eligible for full or partial reimbursement from your health insurance provider. Coverage varies, but many of our clients have successfully used their benefits to help offset the cost of their wig or topper. At b.LUXE, we are uniquely qualified to assist you through the insurance reimbursement process and can provide the necessary documentation and guidance to help you maximize your benefits.

Yes, We’ll Help with the Paperwork

We know insurance can be confusing and overwhelming—but that’s where your friends at b.LUXE come in. We're here to guide you through the process and help you gather the right documentation to submit your claim with confidence. Our goal is to make everything as simple and stress-free as possible.

We’ve helped many clients use their pre-tax dollars to cover the cost of their wigs, and while reimbursement is a great outcome, what matters most to us is seeing our clients walk out standing taller, smiling brighter, and feeling like themselves again.

It's important to note that every insurance policy is different, and b.LUXE cannot guarantee coverage. Typically, to qualify, you'll need a doctor's prescription or a Letter of Medical Necessity stating that the wig is medically required—not just for cosmetic reasons. Be sure to keep all related documentation and receipts, including those for wig maintenance, cleaning, or repairs. We always recommend checking with your provider before your appointment to understand what your plan may cover.

Why Choose b.LUXE?

At b.LUXE in Medway, Massachusetts, we’re redefining what it means to support clients going through appearance-related health changes. This isn’t a one-size-fits-all beauty counter—it’s a private, welcoming, and judgment-free studio designed for personalized service, real conversations, and expert care.

Here is an image of a custom Blonde lace front wig. Heather is holding so you can see how the part line and hairline are made to look completely natural and colored and cut and styled and fully customized — Here is an example of a lace front wig that Heather completed for her customer. Notice the natural part-line. Our wigs look just like your real hair

bLUXE owner and in-house hair loss specialist, Heather Cohen, helps people find the right solution to feel confident again. She’ll work with you one-on-one in a private, supportive setting—walking you through your options, what qualifies for reimbursement, and how the whole process works. She truly gets it—Heather isn’t just a wig stylist; she’s also a wig and topper wearer who’s faced the challenges of hair loss herself during treatment for rheumatoid arthritis.

Here is an image of Heather cohen in a periwinkle cut out dress wearing a custom blonde wig as she styles a brunette, short, layered bob wig in her private wig room — Heather Cohen styles wigs to feel like your own natural hair

Clients love the calm, welcoming vibe of our private wig & topper room. We know this journey can feel overwhelming, so we do everything we can to make your appointment feel comfortable, supportive, and empowering.

““Wigs and toppers have truly been a game-changer for me. My hair had become so thin and brittle, and now I finally have the freedom and versatility to love the way my hair looks again.”
”

— Heather Cohen

Confidence Is Priceless—But Sometimes, It’s Reimbursable

We’ve all heard the phrase “you can’t put a price on feeling confident,” but we’d like to gently challenge that: you can and should invest in your well-being.

If you’re facing a recent diagnosis, going through medical treatment, or simply trying to reconnect with your sense of self, you’re not alone. At b.LUXE, we understand how personal hair loss can be—and we’re here to support you every step of the way. When you work with b.LUXE, you’re getting a partner in your journey back to feeling great about the way you look.

Ready to Learn More? Let’s Chat.

Click the link below to visit the b.LUXE Wigs & Toppers page and schedule your private consultation. Prefer to talk it through? Give us a call at (508) 321-1624—we can’t wait to hear from you!

b.LUXE Hair and Makeup Studio – Medway, MA
Private, Compassionate Hair Loss Solutions