Does insurance cover hair transplants?

    ← back to Hair Transplant

    Surveyed from the published FAQs of 99 hair transplant providers. The percentage on each highlighted claim is the share of surveyed providers who make that claim on their own sites — it shows how common a claim is, not that it is true. Hover to see who.

    Also asked as: “Does insurance cover hair transplant?” · “Does insurance cover hair transplant surgery?” · “Is a hair transplant covered by insurance?” · “Is hair transplant surgery covered by insurance?”

    Most providers say hair transplants are considered cosmetic procedures and are generally not covered by insurance88%Stated by 88% of the providers we surveyed. Including AHD Clinic, Advanced Hair, Zantman Kliniek, The Skin Centre, Dr. Samiksha Tyagi, Northwestern Hair Restoration Clinic, and 14 more.. Patients typically need to pay out-of-pocket.

    However, about half of providers claim insurance may cover hair transplants38%Stated by 38% of the providers we surveyed. Including Vagus, De Haar Hair Restoration, Hair Transplant Islamabad - Hairhub, The Art of Plastic Surgery: Gregory A. Wiener, MD FACS, Springs Hair Restoration, Natural Transplants, and 14 more. in cases of hair loss due to trauma, burns, or medical conditions. These are exceptions rather than the rule. A minority of providers assert that insurance coverage for hair transplants18%Stated by 18% of the providers we surveyed. Including Feller & Bloxham Medical, Hair Science Clinic | London, Aesthetics Hair Restoration, Hair & Facial Plastics Institute-Dr. James Aronovitz, Grow Your Hair Back Hair Transplant Clinic, SHIFT Hair TR, and 10 more. is extremely rare and unlikely, even in cases of medical necessity. This highlights the variability in insurance policies.

    About a quarter of providers state that patients should check with their insurance provider31%Stated by 31% of the providers we surveyed. Including Hair Transplantation Clinic, Nova Medical, Foundation Aesthetic Hair Restoration, Moleno Hair Restoration, La Mesa Medical Hair Restoration, Assure Clinic, and 14 more. for specific coverage details. This is crucial as insurance policies can differ significantly.

    For those concerned about the cost, about a quarter of clinics offer financing options to make hair transplants more affordable24%Stated by 24% of the providers we surveyed. Including Edmonton Men's Health, Luxe Hair Transplant Center - Haimesh Shah, MD, Northwest Hair Restoration, Arocha Hair Restoration, Scott Alexander, MD, Delight Clinic, and 14 more.. This can be a viable alternative for patients without insurance coverage.

    A few providers mention that a few insurance plans may cover hair transplants3%Stated by 3% of the providers we surveyed. Including John Frank MD, Dr. Rogers, Northwestern Hair Restoration Clinic. as part of gender-affirming care. This is important for individuals undergoing gender transition.

    A few clinics say Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs) can be used to cover hair transplant costs3%Stated by 3% of the providers we surveyed. Including Moleno Hair Restoration, La Mesa Medical Hair Restoration, Dr. Rogers.. However, IRS Publication 502 lists hair transplants as cosmetic surgery that generally is not a medical expense, unless the surgery corrects a deformity from a congenital abnormality, an accident or injury, or a disfiguring disease. Check with your plan administrator or a tax adviser before using these funds.

    For those in the UK, a few providers state that the NHS covers a limited number of hair transplant surgeries2%Stated by 2% of the providers we surveyed. Including Vinci Hair Clinic, Vinci Hair Clinic. per year, but rarely for standard pattern baldness. Public funding is available but not commonly applied to typical cases of hair loss.

    What clinics say

    Claims from clinics' own websites

    In their own words — drawn from 75 clinics whose published guidance fed this answer, showing 24.

    1. Hair transplantation is a cosmetic surgical procedure and insurance companies do not cover the cost.
      AHD Clinic Antalya, TR
    2. … procedures are considered cosmetic and are typically not covered by insurance.
      Advanced Hair Restoration Oakbrook Terrace, US
    3. Only in medically necessary cases, like burn injuries.
      Vagus Islamabad, PK
    4. There are some insurers that reimburse for hair transplantation, but it is usually at a high premium.
      Zantman Kliniek Rotterdam, NL
    5. Most procedures, including hair transplant, are generally not covered under insurance as they are considered elective treatments.
      Dr. Samiksha Tyagi Noida, IN
    6. … is generally considered a cosmetic procedure, it is typically not covered by standard health insurance policies.
      The Skin Centre Patna, IN
    7. … Hair transplantation is classified as a cosmetic procedure, so insurance coverage is rare.
      Northwestern Hair Restoration Clinic Chicago, US
    8. … procedures are generally considered cosmetic treatments and may not typically be covered by private health insurance policies.
      Hair Transplantation Clinic Melbourne, AU
    9. Although we do not accept insurance coverage for hair transplant surgery, we believe that everyone deserves to feel confident and …
      Northwest Hair Restoration Seattle, US
    10. … classified as an elective cosmetic procedure and is therefore not covered by standard health insurance plans, although some exceptions may apply.
      De Haar Hair Restoration Regina, CA
    11. Insurance policies typically don’t cover cosmetic procedures like hair transplants unless it’s a medical necessity due to an injury or specific health …
      Hair Transplant Islamabad - Hairhub Islamabad, PK
    12. Hair transplant treatment may be covered by insurance only in limited cases involving reconstruction related to medical conditions.
      The Art of Plastic Surgery: Gregory A. Wiener, MD FACS Chicago, US
    13. No, hair transplants are considered cosmetic procedures, so insurance does not cover them.
      Edmonton Men's Health Edmonton, CA
    14. … hair transplants are considered cosmetic procedures and are not covered by insurance.
      Luxe Hair Transplant Center - Haimesh Shah, MD Ventura, US
    15. Unfortunately, no. Most insurance plans do not cover cosmetic procedures like hair restoration.
      Balance Hair Restoration Ann Arbor, US
    16. … surgery is considered a “cosmetic procedure” and is usually not covered under most health insurance plans.
      L.A. Hair Clinic Torrance, US
    17. … is considered a cosmetic procedure and in most cases is not covered by insurance.
      Arocha Hair Restoration Houston, US
    18. Qualifications for insurance coverage may differ due to the uniqueness of each procedure.
      Heights Dermatology and Laser New York, US
    19. … Hair transplant is classified as a cosmetic procedure and is not covered by Indian health insurance policies.
      Delight Clinic Gurugram, IN
    20. Generally, hair transplant procedures are not covered by insurance.
      Nova Medical Toronto, CA
    21. Hair transplantation is typically elective and rarely covered.
      Springs Hair Restoration Sandy Springs, US
    22. Generally, health insurance does not cover hair restoration surgery.
      New England Center for Hair Restoration Westwood, US
    23. … hair transplants as cosmetic procedures, meaning they’re typically not covered.
      Scott Alexander, MD Phoenix, US
    24. … no. Hair restoration is considered a cosmetic procedure and is not covered by most insurance plans.
      Kalos Hair Transplant LLC Atlanta, US