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

Quick answer: CareCredit is a third-party health credit card, not insurance. It is worth understanding before you use it: promotional interest-free periods only stay interest-free if the balance is cleared inside the term. We take it, and we will tell you the cash price first. Call (810) 206-1402.

Related Conditions

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.

📞 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

Reviewed by Dr. Tom Biernacki, DPM, FACFAS

Board-certified foot & ankle surgeon · 3,000+ surgeries · @MichiganFootDoctors (950K+ subscribers)

Last reviewed May 11, 2026 · (810) 206-1402

CareCredit healthcare financing is accepted at Balance Foot & Ankle‘s Howell and Bloomfield Township 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 Township 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

• Plantar Fasciitis & Heel Pain Treatment
• Custom 3D Orthotics
• Sports Foot & Ankle Injury Treatment
• Bunion Treatment

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 Township (43494 Woodward Ave #208). Call (810) 206-1402 for same-week availability.

Visit Balance Foot & Ankle — Same-Day Appointments Available

Our podiatry team serves patients throughout Michigan including Howell, Brighton, and Bloomfield Township. If you’re dealing with heel pain, ingrown toenails, or a foot injury, we have same-day appointment availability.

Medical References & Sources

• American Podiatric Medical Association — Patient Education
• American Orthopaedic Foot & Ankle Society — Foot Conditions

Your Board-Certified Podiatrists

Dr. Tom Biernacki, DPM

Board-Certified · FACFAS

Dr. Carl Jay, DPM

Board-Certified Podiatrist

Dr. Daria Gutkin, DPM

Podiatrist

What is Foot pain?

Foot pain is a common foot/ankle condition that affects mobility and quality of life. Understanding the underlying cause is the first step in successful treatment. Our podiatrists at Balance Foot & Ankle perform a hands-on biomechanical exam, review your activity history, and use diagnostic imaging when appropriate to identify the root cause—not just treat the symptom. Many patients have been told to “rest and ice” without a deeper diagnostic workup; our approach is different.

Symptoms and warning signs

Common signs of foot pain include pain that worsens with activity, morning stiffness, swelling, tenderness when palpated, and difficulty bearing weight. If you experience sudden severe pain, inability to walk, visible deformity, numbness or color change, contact our office the same day or visit urgent care—these can signal a more serious injury such as a fracture, tendon rupture, or vascular compromise. Diabetics with any foot wound should seek same-day care.

Conservative treatment options

Most cases of foot pain respond to non-surgical care: structured rest, supportive footwear changes, custom orthotics, targeted stretching and strengthening protocols, anti-inflammatory medications when medically appropriate, and in-office procedures such as ultrasound-guided injections. We also offer advanced therapies including MLS laser therapy, EPAT/shockwave, regenerative injections, and image-guided procedures. Treatment is sequenced from least invasive to most invasive, and we explain the rationale at every step.

When is surgery considered?

Surgery is reserved for cases that fail 3-6 months of well-structured conservative care, when there is structural pathology (severe deformity, complete tear, advanced arthritis), or when imaging shows damage that will not heal without intervention. Our surgeons have performed 3,000+ foot and ankle procedures and prioritize minimally-invasive techniques whenever appropriate. We discuss recovery timelines, return-to-activity milestones, and realistic outcome expectations before any procedure is scheduled.

Recovery timeline and prevention

Recovery from foot pain varies based on severity and chosen treatment path. Conservative cases often improve within 4-8 weeks with consistent adherence to the protocol. Post-procedural recovery may range from a few days (in-office procedures) to several months (reconstructive surgery). Long-term prevention involves footwear assessment, activity modification, structured strengthening, and regular check-ins with your podiatrist if you have a history of recurrence. We provide written home-exercise plans and digital follow-up support.

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