Medically reviewed by Dr. Tom Biernacki, DPM · Board-Certified Podiatric Surgeon · Last reviewed: April 2026 · Editorial Policy
Quick Answer
HSA-Eligible Podiatry Services — What Your Health Savi relates to foot pain — typically caused by overuse, footwear, or biomechanics. Most patients improve in 6-12 weeks 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
HSA-Eligible Podiatry Services — What Your Health Savings Account Covers
If you have a Health Savings Account (HSA), you can use tax-free dollars for virtually all podiatric expenses — including services your insurance doesn’t cover. This makes advanced treatments like laser toenail fungus treatment or EMTT therapy significantly more affordable for HSA account holders.
What Your HSA Covers at the Podiatrist
Insurance-Covered Services
Your HSA can pay any out-of-pocket cost for covered services:
- Specialist copays at Balance Foot & Ankle
- Deductible amounts before your insurance coverage kicks in
- 20% coinsurance under Medicare Part B
- Cost-sharing for procedures, imaging, injections, and orthotics
Non-Covered Services
HSA funds can also pay for medically justified services that your insurance doesn’t cover — making HSA account holders uniquely positioned to access our full range of treatments:
- Laser toenail fungus treatment — typically $400-$1,200 self-pay; HSA makes this tax-free
- EMTT magnetotransduction therapy — not yet covered by most plans; HSA covers it
- Additional treatments beyond insurance limits
OTC Products
HSA funds can also purchase FSA-eligible foot care products — orthotics, diabetic socks, compression stockings, night splints, antifungal treatments, and more. See our FSA eligible products post for the full list.
HSA vs. FSA: The Key Advantage
Unlike FSA funds (which expire December 31 for most plans), HSA funds roll over indefinitely and grow tax-free through investment. Many patients deliberately accumulate HSA funds to cover advanced treatments or future foot care needs as they age.
How to Use Your HSA at Balance Foot & Ankle
Bring your HSA card to your appointment. We accept HSA cards as payment for all services and can provide an itemized receipt for your HSA records.
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
📞 Ready to use your HSA for advanced foot care? Call (810) 206-1402.
HSA Eligible Podiatry Services: How Michigan Patients Can Use Health Savings Accounts for Foot Care
Health Savings Accounts (HSAs) provide tax-advantaged funding for medical expenses for Michigan patients enrolled in high-deductible health plans (HDHPs). Unlike FSAs, HSA funds roll over indefinitely — there is no “use it or lose it” deadline, and balances accumulate over years. The range of HSA-eligible podiatric expenses is broad: office consultation and evaluation fees, in-office procedures (injections, nail surgery, wound care, debridement), diagnostic imaging (X-ray, ultrasound, MRI), custom orthotics with a prescription, MLS laser therapy, shockwave therapy, prescription medications, and over-the-counter products purchased with an LMN for a specific medical condition. Cosmetic procedures — nail polish, foot spa treatments, routine pedicures without medical indication — are not HSA-eligible.
Michigan patients with HSA accounts who are approaching their annual out-of-pocket maximum benefit from timing larger podiatric procedures — custom orthotics, laser toenail treatment, shockwave therapy — to deploy their accumulated HSA balance at the most favorable point in their insurance calendar. For patients with high deductibles who have not yet met the deductible, all podiatry charges count toward the deductible, and the out-of-pocket cost is the same whether paid from an HSA or checking account — but the HSA payment uses pre-tax dollars, producing a real cost savings proportional to the patient’s marginal tax rate. Balance Foot & Ankle accepts HSA debit cards directly for all eligible services and provides itemized receipts compatible with HSA recordkeeping requirements. Call (810) 206-1402 to schedule a consultation and discuss your HSA-eligible treatment options at our Howell or Bloomfield Hills office.
Michigan patients who have accumulated a significant HSA balance and are considering spending it strategically on foot health should know that custom orthotics, when prescribed by a podiatrist for a specific diagnosed condition, are among the highest-value HSA expenditures available — providing years of benefit from a one-time purchase that is covered in full by pre-tax dollars. Similarly, MLS laser therapy for chronic plantar fasciitis or Achilles tendinopathy represents a high-value HSA deployment that may resolve a condition that would otherwise require years of cortisone injections or eventual surgery. Balance Foot & Ankle at (810) 206-1402 can help you identify which of your foot care needs are best addressed with your HSA balance this year.
Related Treatment Guides
- Custom 3D Orthotics
- Toenail Treatment
- Plantar Fasciitis & Heel Pain Treatment
- Sports Foot & Ankle Injury 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 Hills (43494 Woodward Ave #208). Call (810) 206-1402 for same-week availability.
Medical References & Sources
- American Podiatric Medical Association — Patient Education
- American Orthopaedic Foot & Ankle Society — Foot Conditions
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Our board-certified podiatrists treat this condition at two convenient locations. Same-day appointments often available.
Maximize Your HSA for Foot Care
Use your Health Savings Account for podiatrist visits, custom orthotics, diabetic shoes, and more. Our office accepts HSA payments and can help you understand your eligible expenses.
Clinical References
- Internal Revenue Service. Publication 502: Medical and dental expenses. IRS.gov. 2024.
- American Podiatric Medical Association. HSA eligible podiatric expenses guide. APMA Resources. 2024.
- Bus SA, et al. IWGDF guidance on the prevention of foot ulcers in at-risk patients with diabetes. Diabetes Metab Res Rev. 2016;32(Suppl 1):16-24.
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 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 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.