“I do not think it’s an unfair advantage for celebrities to get their hair [and] nails done at home, because I feel like we are all at different levels,” the “Players Club” star told Page Six Style. “So what — if you can’t drink champagne, I can’t drink champagne? If I can afford it, I can do anything I want.”

Added the actress, 52: “The grocery stores are more dangerous to go to than somebody’s home, so to each their own.”

That said, McCoy said she’s learned to do her own hair and nails while staying home, and has been playing around with different makeup looks. “I’m doing really well,” she said.

The CEO and owner of LR Homestyles and Sleep Black has also been pampering her feet with an affordable at-home treatment. “I put Vaseline and lotion on my feet, [then] Saran Wrap … and I walk around with that all day and overnight so my heels won’t get hard and crusty,” she explained.

The Chicago native also uses cucumber slices on her eyes — “because when you lay around a lot, you can start looking weary and tired” — as well as ice and aloe vera to keep her complexion from getting flushed.

And when it comes to her hair? “I have not used a lace front wig yet,” McCoy said. “I’m letting my edges show ’cause I got them and I want to keep them. That glue and the hairspray scares me. I don’t know how to do it.”

McCoy recently joined Season 2 of UMC’s “A House Divided,” now streaming on UMC.tv. “Let me just say it’s juicy, scandalous and unexpected,” she teased of the new episodes.