Dr. Tom’s Top Toenail Fungus Picks (2026)
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Medically reviewed by Dr. Tom Biernacki, DPM · Board-Certified Podiatric Surgeon · Last reviewed: April 2026 · Editorial Policy
Quick Answer
Does Insurance Cover Ingrown Toenail Removal? Yes — He relates to ingrown toenails — typically caused by improper trimming or shoe pressure. Most patients improve in 1-2 weeks with proper care with conservative care. Same-week appointments in Howell + Bloomfield Twp: (810) 206-1402.
✅ Medically reviewed by Dr. Thomas Biernacki, DPM — Board-Certified Podiatrist · Last updated April 6, 2026
Does Insurance Cover Ingrown Toenail Removal? Yes — Here’s What to Expect
Ingrown toenail removal is a covered medical procedure under virtually every insurance plan including Medicare, Medicaid, BCBS, Aetna, United Healthcare, and all major Michigan insurers. Your cost: your specialist copay.
If you’ve been suffering with an ingrown toenail and delaying treatment over cost concerns, stop waiting. This is one of the most universally covered podiatric procedures — and we can often treat it at your very first visit.
The Procedure
Ingrown toenail removal is quick and performed under local anesthetic in our office:
- The toe is numbed with a brief local injection — you feel a pinch, then nothing
- The ingrown nail border is carefully removed
- For recurring ingrown nails, we apply a chemical (phenol) to permanently prevent regrowth — called a matrixectomy
- The toe is bandaged; you walk out in regular shoes within minutes
- Recovery: 1-2 weeks of simple wound care
What You’ll Pay
With insurance: your specialist copay, typically $25-$60. A permanent matrixectomy may have an additional procedure code cost. We provide estimates before your procedure.
Don’t Wait — It Gets Worse
Ingrown toenails become more painful and infected with delay. For patients with diabetes or vascular disease, an untreated ingrown toenail can become a limb-threatening infection within days. Call us — we see patients in pain quickly.
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.
✅ 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
📞 Call (810) 206-1402 — we frequently treat ingrown toenails same-day.
Does Insurance Cover Ingrown Toenail Removal in Michigan? Medicare and Commercial Coverage Explained
Ingrown toenail removal (partial nail avulsion, CPT 11730; permanent nail matrixectomy, CPT 11750) is covered by Medicare Part B and virtually all commercial insurance plans in Michigan when medically necessary. For straightforward, symptomatic ingrown toenails, coverage is generally straightforward: the procedure is performed in the office under local anesthesia, takes approximately 10–15 minutes, and is billed with a diagnosis code (L60.0 for ingrowing nail). The patient’s cost is their applicable specialist copay or deductible/coinsurance, depending on their plan. Balance Foot & Ankle accepts all major Michigan insurance plans for ingrown toenail removal, including Blue Cross Blue Shield, Aetna, Cigna, United Healthcare, Priority Health, and Medicare.
The distinction between temporary nail avulsion (removing the ingrown edge without destroying the nail matrix) and permanent matrixectomy (chemically or surgically destroying the nail matrix to prevent regrowth of the offending nail border) affects both clinical outcomes and insurance coverage. Permanent matrixectomy is indicated for recurrent ingrown nails and is covered by insurance with appropriate documentation. Howell and Bloomfield Hills area patients with painful ingrown toenails can often be seen same day or next day at Balance Foot & Ankle — we reserve appointment slots for acute conditions including ingrown toenails that have become infected or are causing significant pain. Call (810) 206-1402 for same-day ingrown toenail care, and our front desk will verify your insurance benefits when you schedule.
Patients who have been managing an ingrown toenail with home remedies — soaking, cutting a “V” notch, or packing the nail corner — and find that the problem keeps recurring are candidates for a permanent matrixectomy at Balance Foot & Ankle. The permanent procedure, performed under local anesthesia in approximately 20 minutes, eliminates the ingrown nail border definitively — the narrow strip of nail matrix destroyed by phenol during the procedure never regrows the offending nail edge. Recovery involves keeping the toe dry for 48 hours, after which normal activities resume. Insurance covers the permanent matrixectomy at the same benefit level as the temporary procedure. Howell and Bloomfield Hills area patients tired of recurring ingrown toenails should call (810) 206-1402 for a same-week appointment.
Michigan patients can access expert ingrown toenail treatment in Michigan at Balance Foot & Ankle. Our board-certified podiatrists serve Howell (4330 E Grand River) and Bloomfield Hills (43494 Woodward Ave #208). Schedule an appointment online or call (810) 206-1402 for same-week availability.
Insurance Accepted
BCBS · Medicare · Aetna · Cigna · United Healthcare · HAP · Priority Health · Humana · View All →
Howell Office
3980 E Grand River Ave, Suite 140
Howell, MI 48843
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Bloomfield Hills Office
43700 Woodward Ave, Suite 207
Bloomfield Hills, MI 48302
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Your Board-Certified Podiatrists
Ready to Get Back on Your Feet?
Same-week appointments available at both locations.
Book Your AppointmentMore Podiatrist-Recommended Ingrown Essentials
Roomy Walking Shoe
- FuelCell foam delivers a propulsive feel to help drive you forward
- ENCAP midsole cushioning combines lightweight foam with a durable polyurethane rim to deliver all-day support
- Reflective accents designed to catch the light
- TPU back tab
- New Balance MADE contains a domestic value of 70% or more. MADE makes up a limited portion of New Balance’s US sales.
New Balance 990v6 — wide toe box prevents toe jamming that causes ingrowns.
Extra-Depth Diabetic Shoe
- Tie-Less Lacing System eliminates the need to tie laces. Heel strap enables to adjust the grip around the heel. Cushioning sole with a mild Rocker adds spring to your step. Soft, padded fabric interior with no overlays eliminates irritation.
Orthofeet Sprint — no pressure on nail edges, seamless lining.
Moisture-Wicking Compression Sock
- Provides continuous support of the Plantar Fascia by gently stretching the fascia tissue.
- Compression zones promote circulation, reduce impact vibration, boost recovery and strengthen feet.
- Lightweight, seamless design with extra cushioning provides support while still being comfortable.
- Supports the heel/arch and overall foot structure while stabilizing the tendon for better performance
- Made from high quality materials, the socks are moisture wicking and breathable.
OS1st FS4 — dry environment reduces ingrown infection risk.
As an Amazon Associate, Balance Foot & Ankle earns from qualifying purchases. Product recommendations are based on clinical experience; prices and availability shown above update live from Amazon.
When to See a Podiatrist
Home care works for early ingrowns — but if redness, drainage, or granulation tissue has developed, the nail edge needs professional removal. At Balance Foot & Ankle, matrixectomy (permanent corner removal) is a 15-minute in-office procedure that prevents recurrence. Most patients walk out the same day and return to normal shoes within 48 hours.
Call Balance Foot & Ankle: (810) 206-1402 · Book online · Offices in Howell & Bloomfield Hills
In-Office Treatment at Balance Foot & Ankle
When conservative care isn’t enough, Dr. Tom Biernacki and the team at Balance Foot & Ankle offer advanced, same-day options — including Ingrown Toenail Treatment Michigan at our Howell and Bloomfield Hills clinics.
Same-day appointments available. Call (810) 206-1402 or book online.
Pros & Cons of Conservative Care for toenail conditions
Advantages
- ✓ Most cases resolve at home
- ✓ Same-week appointments available
- ✓ Permanent fix exists
Considerations
- ✗ Recurrence common without prevention
- ✗ Diabetics need professional care
Dr. Tom’s Recommended Products for toenail conditions
Affiliate disclosure: As an Amazon Associate, Balance Foot & Ankle earns from qualifying purchases. We only recommend products we use with patients.
Tolcylen Antifungal Solution Dr. Tom’s Pick
Best for: Most effective topical for fungus
Ready to Get Back on Your Feet?
Same-day appointments in Howell + Bloomfield Twp. Most insurance accepted. Dr. Tom Biernacki, DPM & team.
Book Today — Same-Day Appointments Available
Call Now: (810) 206-1402
About Your Care Team at Balance Foot & Ankle
Dr. Tom Biernacki, DPM · Board-Certified Foot & Ankle Surgeon. Specializes in conservative-first care, minimally invasive bunion surgery, and complex reconstruction.
Dr. Carl Jay, DPM · Accepting new patients. Specializes in sports medicine, athletic injuries, and routine podiatric care.
Dr. Daria Gutkin, DPM, AACFAS · Accepting new patients. Specializes in surgical reconstruction and pediatric podiatry.
Locations: 4330 E Grand River Ave, Howell, MI 48843 · 43494 Woodward Ave Suite 208, Bloomfield Twp, MI 48302
Hours: Mon–Fri 8:00 AM – 5:00 PM · (810) 206-1402
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.
- Plantar Fasciitis: Diagnosis and Conservative Management (PubMed)
- Plantar Fasciitis (APMA)
- Diagnosis and Treatment of Plantar Fasciitis (PubMed / AAFP)
- Heel Pain (APMA)
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