Does Balance Foot & Ankle accept CareCredit for podiatry treatment?

Yes — Balance Foot & Ankle accepts CareCredit healthcare financing at both our Howell (4330 E Grand River) and Bloomfield Hills (43494 Woodward Ave #208) locations. CareCredit allows patients to pay for podiatric care over time with promotional 0% interest financing options. This is particularly helpful for larger treatment costs like custom orthotics, laser toenail treatment, shockwave therapy (EPAT), and bunion surgery copays. Call (810) 206-1402 to confirm current CareCredit financing options.

What podiatry costs can CareCredit cover?

CareCredit can cover all podiatric expenses at Balance Foot & Ankle: treatment copays and deductibles, custom orthotics (patient portion after insurance), laser toenail fungus treatment (often not covered by insurance), EPAT shockwave therapy, MLS laser therapy, surgical copays, and prescription footwear patient portions. CareCredit is particularly valuable for elective procedures like toenail laser that may not be covered by insurance but significantly impact quality of life.

How does CareCredit work for podiatry financing?

CareCredit is a dedicated healthcare credit card offering promotional periods (0% interest if paid in full within 6–18 months, depending on purchase amount and offer). After approval, the card is used like a credit card at CareCredit-accepting providers like Balance Foot & Ankle. Monthly minimum payments are required during the promotional period. If the balance isn't paid in full by promotion end, deferred interest applies. Apply at carecredit.com or ask Balance Foot & Ankle staff to initiate an in-office application.

What other payment options does Balance Foot & Ankle offer?

Balance Foot & Ankle accepts: major insurance plans (BCBS, Aetna, Cigna, United Healthcare, Medicare, many others), FSA/HSA cards, CareCredit, standard credit and debit cards, and cash. We provide good-faith cost estimates before treatment and work with patients on payment arrangements when needed. Our goal is ensuring cost is never a barrier to necessary foot care. Call (810) 206-1402 to discuss payment options before your appointment.

Can I use a payment plan for custom orthotics at Balance Foot & Ankle?

Yes — custom orthotics can be financed through CareCredit at Balance Foot & Ankle. For patients where insurance doesn't cover custom orthotics or the patient portion is significant, CareCredit 0% promotional financing allows spreading the cost over 6–18 months without interest. Custom orthotics represent one of the highest-value investments in long-term foot health — CareCredit financing makes this premium treatment accessible to more patients.

When should I see a podiatrist?

For persistent foot/ankle pain, difficulty walking, numbness, non-healing wounds, skin changes, or deformities. Dr. Biernacki offers same-day appointments. Call 810-206-1402.

Does Dr. Biernacki accept insurance?

Balance Foot & Ankle accepts most major plans including BCBS, Aetna, United, Cigna & Medicare. Call 810-206-1402 to verify coverage. Affordable self-pay options available.

What to expect at your first podiatry visit?

Comprehensive evaluation including history, exam, biomechanical assessment, and in-office X-rays. Same-day diagnosis and treatment when possible. Most visits take 30-45 minutes.

CareCredit and Payment Plans for Podiatry — Affordable Foot Care in Michigan

Not every foot care service is covered by insurance — and even for covered services, deductibles and copays can add up. Balance Foot & Ankle offers CareCredit financing and flexible payment plans to ensure that cost is never the reason you delay the care you need.

CareCredit Healthcare Financing

CareCredit is a healthcare credit card accepted at Balance Foot & Ankle that offers promotional financing options:

0% interest for 6, 12, or 18 months on qualifying purchases — pay over time with no interest if the balance is paid within the promotional period
Extended financing options — 24, 36, 48, or 60 months at reduced interest rates for larger treatment investments
Instant approval — apply at our office or online at carecredit.com; most applicants receive an instant decision
Use immediately — once approved, use your CareCredit card the same day

Common Treatments Financed Through CareCredit

Toenail fungus laser treatment — typically $400-$1,200 for full treatment course
EMTT magnetotransduction therapy — advanced treatment for bone and tendon conditions
Cosmetic foot procedures — treatments not covered by insurance
Out-of-pocket costs — deductibles and copays for covered procedures
Custom orthotics — when not covered by your plan

Payment Plans

For patients without CareCredit or for specific treatment packages, we can arrange direct payment plans with our office. Call ahead to discuss your situation — we’re committed to working with you.

HSA and FSA

Don’t forget that your Health Savings Account (HSA) or Flexible Spending Account (FSA) can pay for both covered and many non-covered podiatric services with pre-tax dollars — effectively giving you a 20-37% discount depending on your tax bracket.

✅ Free Insurance Verification
Not sure what your plan covers? Our team verifies your insurance before every visit — no surprise bills, no confusion.
📞 (810) 206-1402 | Howell: 4330 E Grand River Ave | Bloomfield Hills: 43494 Woodward Ave #208
We accept Medicare, Medicare Advantage, BCBS, Aetna, United Healthcare, Cigna, Humana, HAP, Molina, Meridian, Priority Health, Oscar, McLaren, Workers’ Comp, VA, and most Michigan insurance plans.

⚡ Advanced Technology at Balance Foot & Ankle
✅ MLS Dual-Wavelength Laser — FDA-cleared
✅ EPAT Shockwave Therapy — 80%+ success rate
✅ Magnetotransduction (EMTT) — Deep electromagnetic healing
✅ 3D-Scanned Custom Orthotics
✅ Toenail Fungus Laser
✅ In-Office X-Ray & Ultrasound
✅ Diabetic Shoe Program — Medicare-covered
📞 (810) 206-1402 | Howell & Bloomfield Hills

📞 Don’t let cost stand between you and healthy feet. Call (810) 206-1402 to discuss CareCredit and payment options for your treatment.

CareCredit for Podiatry in Michigan: Financing Foot Surgery and Treatment at Balance Foot & Ankle

CareCredit healthcare financing is accepted at Balance Foot & Ankle‘s Howell and Bloomfield Hills locations, providing Michigan patients with a payment plan option for podiatric services that exceed their current out-of-pocket capacity. CareCredit offers promotional financing periods — typically 6, 12, 18, or 24 months with no interest when the balance is paid in full within the promotional period — for charges above a minimum threshold. This financing structure makes larger podiatric investments manageable: custom orthotics ($400–$700 out-of-pocket after insurance), toenail fungus laser series, MLS laser therapy packages, shockwave therapy, and elective surgical procedures that exceed a patient’s deductible or are not covered by their insurance plan.

CareCredit applications are completed online at carecredit.com or in our office, and credit decisions are typically immediate. The application requires basic financial information and a credit check. Patients who prefer not to use CareCredit can also discuss in-office payment plans with our patient services coordinator for established patients with a demonstrated payment history. Michigan patients concerned about the cost of recommended podiatric treatment — who are considering delaying care for financial reasons — should have an explicit conversation with our front desk before deciding to defer: in many cases, the financial options available (insurance appeal, FSA/HSA deployment, CareCredit financing, in-office payment arrangements) make treatment immediately accessible. Call Balance Foot & Ankle at (810) 206-1402 to discuss financial options for your specific treatment needs at our Howell or Bloomfield Hills office.

Michigan patients who have been told they need bunion surgery, hammertoe correction, or ankle arthroscopy but are concerned about the out-of-pocket costs after insurance can use CareCredit to finance the surgical facility fee, anesthesia cost-sharing, and post-surgical orthotic or footwear needs — spreading the total cost over months rather than requiring a lump sum at the time of surgery. At Balance Foot & Ankle, we provide a clear pre-surgical cost estimate that itemizes the components of the total expense so patients can plan their CareCredit financing appropriately. For patients who want to proceed with surgery without financial stress, this transparency is the starting point. Call (810) 206-1402 to schedule a surgical consultation and receive a cost estimate for your procedure.

Related Treatment Guides

Michigan patients experiencing foot or ankle problems can schedule an appointment at Balance Foot & Ankle — with locations in Howell (4330 E Grand River) and Bloomfield Hills (43494 Woodward Ave #208). Call (810) 206-1402 for same-week availability.

Medical References & Sources

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📍 Located in Michigan?

Our board-certified podiatrists treat this condition at two convenient locations. Same-day appointments often available.

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Dr. Tom Biernacki, DPM

Dr. Tom Biernacki, DPM is a double board-certified podiatrist and foot & ankle surgeon at Balance Foot & Ankle Specialists in Southeast Michigan. With over a decade of clinical experience, he specializes in heel pain, bunions, diabetic foot care, sports injuries, and minimally invasive surgery. Dr. Biernacki is a member of the APMA and ACFAS, and his patient education content on MichiganFootDoctors.com and YouTube has reached over one million views.