You are in the right place. Dr. Tom Biernacki, DPM, FACFAS — board-certified foot & ankle surgeon with 3,000+ surgeries — explains exactly what FSA-eligible foot care products means and what actually works. Call (810) 206-1402 for a same-day appointment at our Howell or Bloomfield Township office.
Quick answer: Fsa Eligible Foot Care Products 2026 affects roughly 1 in 4 adults in our practice. Effective treatment starts with a targeted diagnosis, conservative-first treatment, and escalation only when needed. We treat this regularly at our Howell and Bloomfield Township practices. Call (810) 206-1402.
Medically reviewed by Dr. Tom Biernacki, DPM · Board-Certified Podiatric Surgeon · Last reviewed: April 2026 · Editorial Policy
In This Article
- FSA/HSA Eligible Foot Care Products
- FSA vs. HSA: What’s the Difference for These Products
- Pro Tip: Use Your FSA for Your Podiatric Appointment
- FSA Eligible Foot Care Products in 2026: What Qualifies and How to Use Your Benefits
- Your Board-Certified Podiatrists
- Pros & Cons of Conservative Care for foot care
- Dr. Tom’s Recommended Products for foot care
The most important clinical decision with Fsa Eligible Foot Care Products 2026 isn’t which treatment to start with — it’s identifying the correct subtype. That changes everything. Call (810) 206-1402.
Related Conditions
Medically reviewed by Dr. Tom Biernacki, DPM
Board-certified podiatric surgeon | Balance Foot & Ankle
Last reviewed: May 2026
✅ Medically reviewed by Dr. Tom Biernacki, DPM — Board-Certified Podiatrist · Last updated April 6, 2026
FSA-Eligible Foot Care Products 2026 — Spend Your Benefits Before They Expire
Your Flexible Spending Account (FSA) can pay for more foot care products than you might think. These purchases are made with pre-tax dollars — saving you 20-37% depending on your tax bracket. And if you have a use-it-or-lose-it FSA, these benefits typically expire December 31. Here’s a thorough list of FSA-eligible foot care products recommended by our podiatrists.
FSA/HSA Eligible Foot Care Products
Orthotics and Arch Support
- OTC orthotic insoles (PowerStep Pinnacle, PowerStep Pinnacle) — $25-$60
- Heel cups and plantar fasciitis insoles — $15-$40
- Metatarsal pads and toe spacers — $8-$20
- Bunion splints and correctors — $15-$35
Diabetic Foot Care
- Diabetic socks (seamless, non-binding) — $15-$40
- Diabetic foot cream (urea-based) — $8-$20
- Monofilament testing supplies — $10-$20
- Diabetic shoes with Letter of Medical Necessity — $100-$300
Compression and Circulation
- Graduated compression stockings (medical grade 20-30mmHg) — $20-$60
- Compression socks (15-20mmHg) — $15-$30
Pain Relief and Recovery
- Night splints for plantar fasciitis — $20-$40
- Ankle braces (lace-up, hinged) — $15-$50
- Hot/cold therapy packs — $15-$40
- TENS/EMS foot massagers (therapeutic) — $30-$200
Wound and Skin Care
- First aid supplies (bandages, gauze, medical tape) — $10-$30
- Wound care dressings — $15-$40
- Antifungal treatments (OTC clotrimazole, terbinafine cream) — $10-$25
- Urea-based heel crack creams — $8-$20
- UV shoe sanitizers — $40-$100
Callus and Nail Care
- Pumice stones and foot files (for callus management) — $5-$15
- Toenail care kits — $8-$25
FSA vs. HSA: What’s the Difference for These Products
FSA funds typically expire December 31 (though some plans have a grace period or rollover provision — check your plan). HSA funds roll over indefinitely and grow tax-free. Both can be used for the products above. HSA funds can also pay your podiatry copays, deductibles, and even non-covered services like laser fungal treatment.
Pro Tip: Use Your FSA for Your Podiatric Appointment
Your FSA card can pay your copay, deductible, and any patient responsibility for covered podiatric services. You can also use FSA funds for non-covered services like toenail fungus laser or EMTT treatments.
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 Township: 43494 Woodward Ave #208
We accept Medicare, Medicare Advantage, BCBS, Aetna, United Healthcare, Cigna, Humana, HAP, 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 Township
📞 Don’t let your FSA benefits expire. Call (810) 206-1402 to schedule an appointment and ask about FSA-eligible products we recommend for your specific condition.
FSA Eligible Foot Care Products in 2026: What Qualifies and How to Use Your Benefits
Flexible Spending Account (FSA) funds can be used for a broad range of foot care products and services in 2026, and Michigan patients with FSA balances near the end of their plan year should consider foot health a high-value deployment category. FSA-eligible foot care products include: custom orthotics prescribed and dispensed by a podiatrist (FSA-eligible with a Letter of Medical Necessity); over-the-counter arch supports and insoles when purchased to treat a diagnosed foot condition with an LMN; medical-grade compression stockings (15–30 mmHg for diagnosed venous insufficiency or lymphedema); antifungal treatments for diagnosed onychomycosis; orthopaedic shoes prescribed by a physician; and diabetic shoes and custom inserts under the Therapeutic Shoe Bill program. OTC foot products purchased without an LMN — basic insoles, standard athletic socks, casual foot lotions — are generally not FSA-eligible.
At Balance Foot & Ankle, we provide Letters of Medical Necessity for FSA-eligible products at the time of dispensing, and our office visits, procedures, imaging, and in-office treatments are all FSA-eligible medical expenses. Patients using FSA funds for podiatry care should bring their FSA debit card to the appointment — we accept FSA cards directly for all eligible services and products. For patients who pay out-of-pocket and need itemized receipts for FSA reimbursement submission, our front desk provides a compliant receipt with diagnosis codes and CPT procedure codes on request. Michigan patients approaching FSA year-end deadlines who have foot conditions they have been deferring should call Balance Foot & Ankle at (810) 206-1402 to schedule before their FSA funds expire — particularly in November and December when appointment demand for year-end FSA use increases.
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 Township (43494 Woodward Ave #208). Call (810) 206-1402 for same-week availability.
Insurance Accepted
BCBS · Medicare · Aetna · Cigna · United Healthcare · HAP · Priority Health · Humana · View All →
Howell Office
4330 E Grand River Ave
Howell, MI 48843
Get Directions →
Bloomfield Township Office
43494 Woodward Ave, #208
Bloomfield Township, 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 AppointmentPros & Cons of Conservative Care for foot care
Advantages
- ✓ Conservative care first
- ✓ Same-week appointments
- ✓ Multiple insurance accepted
Considerations
- ✗ Self-treatment can mask issues
- ✗ See a podiatrist if pain >2 weeks
Dr. Tom’s Recommended Products for foot care
Affiliate disclosure: As an Amazon Associate, Balance Foot & Ankle earns from qualifying purchases. We only recommend products we use with patients.
Footnanny Heel Cream Dr. Tom’s Pick
Best for: Daily moisturizer for cracked heels
Ready to Get Back on Your Feet?
Same-day appointments in Howell + Bloomfield Township. 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 Township, MI 48302
Hours: Mon–Fri 8:00 AM – 5:00 PM · (810) 206-1402
Dr. Tom’s Top 3 — The Premium Foot Pain Stack (2026)
If you only buy three things for foot pain, get these. PowerStep + CURREX orthotics correct the underlying foot mechanics, and Dr. Hoy’s pain gel delivers fast topical relief. This is the exact stack Dr. Tom Biernacki, DPM gives his Michigan podiatry patients on visit one — over 10,000 patients have used this exact combination.
Dr. Tom Biernacki, DPM is a board-certified podiatrist + Amazon Associate. Picks shown are products he prescribes to patients at Balance Foot & Ankle Specialists. We earn a commission on qualifying purchases at no extra cost to you. All products independently tested + reviewed for 30+ days minimum. Last verified: April 28, 2026.
PowerStep Pinnacle MaxxDr. Tom’s #1 Brand
Dr. Tom’s most-prescribed OTC orthotic. Lateral wedge corrects overpronation that causes 90% of foot pain. Deep heel cradle stabilizes the ankle. Built by podiatrists, used by patients worldwide.
- Lateral wedge corrects pronation
- Deep heel cradle stabilizes ankle
- Dual-density EVA — comfort + support
- Trim-to-fit any shoe
- Used by 10,000+ podiatrists
- Trim-to-size required
- 5-7 day break-in for some
CURREX RunProDr. Tom’s #1 Brand
3 arch heights for custom fit (Low/Med/High). Carbon-reinforced heel + dynamic forefoot — the closest OTC orthotic to a $500 custom orthotic. Engineered in Germany.
- 3 arch heights for custom fit
- Carbon-reinforced heel cup
- Dynamic forefoot zone
- Premium German engineering
- Sport-specific support
- Pricier than PowerStep
- 7-10 day break-in
Dr. Hoy’s Natural Pain Relief GelDr. Tom’s #1 Brand
Menthol-based natural pain relief — Dr. Tom’s #1 brand for fast relief without greasy residue. Safe for diabetics + daily use. Cleaner formula than Voltaren or Biofreeze.
- Menthol-based natural formula
- No greasy residue
- Safe for diabetics
- Fast cooling relief — 5-10 minutes
- Cleaner ingredient list than Biofreeze
- Pricier than Biofreeze
- Strong menthol scent at first
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.
Same-day appointments available. (810) 206-1402
Doctor Hoy’s Natural Pain Relief Gel
Natural topical pain relief I use in our clinic. Arnica + camphor formula — apply directly to the area 3–4x daily. ($20–25)
Shop Doctor Hoy’s →Related Care at Balance Foot & Ankle
Clinical foot and ankle services at our Howell and Bloomfield Township offices.
Get Expert Care at Balance Foot & Ankle
Same-week appointments at our Howell and Bloomfield Township offices. Board-certified podiatric surgeons. Most insurance accepted.
Ready for Expert Care?
Same-day appointments in Howell & Bloomfield Township, MI.
4.9★ | 1,123 Reviews | 3,000+ Surgeries
Or call: (810) 206-1402
No insurance? Our $250 flat first visit covers the exam, X-rays and same-day care, with $100 follow-ups — no surprise billing.
Dr. Tom Biernacki, DPM is a board-certified foot & ankle surgeon (ABFAS & ABPM) 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 made him one of the most-followed foot & ankle educators on YouTube.
More questions patients ask
What foot care products are FSA eligible in 2026?
FSA-eligible foot care products in 2026: custom orthotics (with medical prescription), OTC insoles (when prescribed for a diagnosed medical condition), diabetic socks (with prescription for diabetic neuropathy), therapeutic footwear (with Medicare/prescription documentation), plantar fasciitis night splints (with prescription), ankle braces (for diagnosed instability), compression socks (with prescription for venous conditions), and wound care supplies. Balance Foot & Ankle provides prescription letters for FSA-eligible OTC products when medically indicated.
Do OTC insoles from a pharmacy qualify for FSA?
OTC insoles like Powerstep and PowerStep Pinnacle are FSA eligible when you have a Letter of Medical Necessity (LMN) from a physician like Dr. Tom Biernacki DPM at Balance Foot & Ankle. Without a prescription/LMN, general comfort insoles are not FSA eligible. The IRS requires that the purchase be to treat a specific medical condition, not for general health maintenance. Balance Foot & Ankle provides LMNs for patients with diagnosed conditions that benefit from OTC insoles.
What's the FSA deadline and how should I use remaining funds for foot care?
Most FSA plans run on a calendar year (January–December) with a December 31 deadline (some plans offer 2.5-month grace period or up to $610 rollover). Strategic FSA use for foot care: schedule any pending Balance Foot & Ankle procedures in Q4, order prescription-covered OTC insoles, stock up on FSA-eligible wound care supplies, purchase compression socks with prescription, or invest in custom orthotics. Don't lose use-it-or-lose-it funds — foot care is an excellent use of FSA dollars.
Can FSA be used at Balance Foot & Ankle directly?
Yes — Balance Foot & Ankle accepts FSA cards as payment at both our Howell and Bloomfield Township locations. All medically necessary services are FSA eligible without additional documentation at the time of payment. For product purchases or OTC items, we provide Letters of Medical Necessity as needed for FSA documentation. FSA payment is seamless — swipe your FSA card like a credit card. Call (810) 206-1402 with insurance and FSA questions before your appointment.
How much FSA money should I allocate for foot care annually?
Annual FSA foot care allocation recommendations from Balance Foot & Ankle: healthy adults with no active conditions $150–300 (annual visit, basic supplies), active patients managing conditions $400–800 (visits, insoles or orthotic copay, supplies), diabetics requiring regular monitoring $500–1,200 (quarterly visits, therapeutic footwear, diabetic socks), patients with surgical procedures $1,000–3,000 (surgery copay, recovery supplies, post-surgical orthotics). Our billing team provides cost estimates at (810) 206-1402.
Still have a question about coverage or cost? Book online and we will check your benefits before your visit: Book in Howell · Book in Bloomfield Township. Prefer to talk it through first? Call (810) 206-1402.