Is MLS Laser Therapy Covered by Insurance in Michigan?

Quick answer: MLS laser therapy is generally not covered by insurance — most carriers still classify it as investigational for foot and ankle pain. That makes it a cash-pay decision, so it is worth being clear on cost and expected number of sessions up front. Book online, or call (810) 206-1402.

Medically reviewed by Dr. Tom Biernacki, DPM · Board-Certified Podiatric Surgeon · Last reviewed: April 2026 · Editorial Policy

MICHIGAN PODIATRIST INSIGHT

The most important clinical decision with Mls Laser Therapy Insurance Michigan isn’t which treatment to start with — it’s identifying the correct subtype. That changes everything. Call (810) 206-1402.

Quick Answer

Is MLS Laser Therapy Covered by Insurance in Michigan? 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 Township: (810) 206-1402.

Watch: Dr. Tom Biernacki explains the topic in detail · Subscribe to Michigan Foot Doctors on YouTube

Is MLS Laser Therapy Covered by Insurance in Michigan?

MLS Laser Insurance Coverage — What Michigan Patients Need to Know

Insurance coverage for MLS laser therapy is one of the most common questions at Balance Foot & Ankle. Here’s the transparent answer — and what to do if your plan doesn’t cover it. Call (810) 206-1402.

Current Insurance Coverage Status

MLS laser therapy is currently considered “investigational” or “not medically necessary” by most major commercial insurance plans in Michigan, including Blue Cross Blue Shield, Priority Health, HAP, and United Healthcare. Medicare and Medicaid also do not currently cover MLS laser therapy. This means most patients pay out-of-pocket for laser treatment. However, the landscape is changing as more clinical evidence accumulates, and some Medicare Advantage plans have begun covering photobiomodulation therapy for specific conditions.

FSA and HSA Eligibility

MLS laser therapy IS eligible for payment with Health Savings Account (HSA) and Flexible Spending Account (FSA) funds. If you have an HSA or FSA, you can use pre-tax dollars to pay for your laser treatment — effectively reducing your out-of-pocket cost by your tax rate (typically 20-35%).

Our Pricing and Payment Options

We offer transparent session pricing and package rates for multiple sessions. Financing options are available for patients who prefer to spread the cost over time. Call (810) 206-1402 for our current session and package pricing at our Howell and Bloomfield Township locations.

The Value Perspective

MLS laser therapy often costs less than one cortisone injection series — and produces more durable results for chronic conditions. Compared to the cost of ongoing physical therapy, pain medications, or surgery, a course of laser therapy is frequently the most cost-effective long-term solution. Ask about our package pricing when you call.

MLS Laser Therapy at Balance Foot & Ankle: Michigan’s Podiatric Laser Treatment Center

MLS (Multiwave Locked System) laser therapy at Balance Foot & Ankle uses the synchronized combination of two therapeutic wavelengths — 808nm continuous wave for anti-inflammatory and analgesic effects, and 905nm pulsed wave for tissue repair and edema reduction — to treat foot and ankle pain without injections, medications, or surgery. Unlike single-wavelength cold lasers, the MLS system’s synchronized dual wavelengths produce synergistic therapeutic effects that are clinically superior to either wavelength used alone. The treatment is painless — most patients feel mild warmth during the 8–12 minute session — and requires no recovery time afterward. Patients can return to normal activities immediately after each treatment.

At Balance Foot & Ankle, MLS laser therapy is administered by trained clinical staff under podiatric supervision, with treatment protocols customized to the patient’s specific condition and tissue depth requirements. The number of sessions needed varies by condition severity: most plantar fasciitis patients achieve significant improvement in 6–9 sessions, while more chronic conditions may benefit from additional sessions. We offer MLS laser at both our Howell and Bloomfield Township Michigan locations. Michigan patients interested in laser therapy for foot or ankle pain can call Balance Foot & Ankle at (810) 206-1402 to schedule a consultation and determine whether MLS laser therapy is appropriate for their condition — or to schedule a series of treatments if they have already been evaluated and are ready to begin.

What Conditions Does MLS Laser Treat? Michigan Foot and Ankle Applications


Related Treatment Guides

MLS laser therapy at Balance Foot & Ankle is effective for a broad range of foot and ankle conditions beyond plantar fasciitis — including Achilles tendinopathy (both mid-substance and insertional), Morton’s neuroma, diabetic peripheral neuropathy, post-surgical wound healing acceleration, arthritis pain management, metatarsalgia, and sports injuries including ligament sprains and muscle strains. The tissue repair and anti-inflammatory mechanisms of MLS laser are applicable wherever chronic inflammation, impaired healing, or neuropathic pain are driving the patient’s symptoms. Michigan patients with chronic foot conditions that have not responded to other conservative treatments are often good candidates for MLS laser therapy. Most patients see noticeable improvement within 3–4 treatments and continue improving through the full treatment series. Long-term results are durable in the majority of patients — particularly for plantar fasciitis and Achilles tendinopathy where the laser addresses the underlying tendinosis rather than simply suppressing symptoms. Call Balance Foot & Ankle at (810) 206-1402 to ask whether your specific foot condition is appropriate for MLS laser treatment at our Howell or Bloomfield Township Michigan office.

Medical References & Sources

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When to See a Podiatrist

Laser treatment for toenail fungus has higher clearance rates than topicals alone, particularly for moderate-to-severe cases. Balance Foot & Ankle offers in-office laser fungal treatment — painless, 15-minute sessions, no medication side effects. Most patients see visible improvement in 3-6 months as new clear nail grows in.

Call Balance Foot & Ankle: (810) 206-1402  ·  Book online  ·  Offices in Howell & Bloomfield Township

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 MLS Laser Therapy Foot & Ankle at our Howell and Bloomfield Township clinics.

Same-day appointments available. Call (810) 206-1402 or book online.

Pros & 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

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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

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

Book online →  |  Meet Dr. Tom Biernacki →

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More questions patients ask

Does insurance cover MLS laser therapy in Michigan?

Currently, most health insurance plans including Medicare do not cover MLS laser therapy for musculoskeletal conditions (plantar fasciitis, Achilles tendinopathy, neuropathy) as it's classified as investigational or experimental by most payers. Coverage exceptions: some supplemental plans and alternative health insurance may cover laser; some FSA/HSA accounts allow MLS laser as a qualified medical expense (check with your plan administrator). Balance Foot & Ankle can provide a detailed receipt for FSA/HSA reimbursement.

Can I use my FSA or HSA for MLS laser therapy?

In most cases, yes — MLS laser therapy for a diagnosed medical condition (plantar fasciitis, neuropathy, Achilles tendinopathy) qualifies as a medical expense eligible for FSA (Flexible Spending Account) and HSA (Health Savings Account) reimbursement. You'll need a Letter of Medical Necessity from your podiatrist and a detailed receipt from Balance Foot & Ankle. Confirm with your FSA/HSA plan administrator before treatment, as policies vary. Using tax-advantaged accounts effectively reduces your out-of-pocket cost by 20-30%.

How much does MLS laser therapy cost in Michigan without insurance?

MLS laser therapy pricing in Michigan varies by clinic and number of sessions. Typical ranges: single session — $50-$150; course of 6 sessions — $300-$800; full 12-session protocol for neuropathy — $600-$1,500. Balance Foot & Ankle offers competitive cash-pay pricing and package pricing for multi-session protocols. We also offer payment plans to make treatment accessible. Call (810) 206-1402 for current pricing. When comparing costs, factor in the potential to reduce or eliminate medication costs and avoid surgery.

Is paying out-of-pocket for MLS laser worth it?

For appropriate candidates, MLS laser therapy often provides excellent value even without insurance coverage. Consider: the cost of 6-12 months of ongoing medication (NSAIDs, gabapentin) plus copays for repeated injection therapy; the risk and recovery costs of surgery; and years of reduced quality of life from chronic foot pain. Many patients who complete MLS laser treatment report it's the treatment that finally resolved their chronic pain after years of other approaches. Dr. Tom Biernacki will give you an honest assessment of whether laser is likely to help your specific condition.

Is MLS laser therapy covered by insurance at Balance Foot & Ankle in Michigan?

MLS laser therapy is generally considered an emerging technology and is typically not covered by Medicare or commercial insurance in Michigan. Balance Foot & Ankle offers competitive self-pay pricing, CareCredit financing, and package discounts for Michigan patients seeking MLS laser treatment. FSA/HSA funds may be applicable. Call (810) 206-1402.

Why don't Michigan insurance companies cover MLS laser therapy at Balance Foot & Ankle?

Insurance companies typically require extensive peer-reviewed evidence before covering new technologies. While MLS laser has strong clinical evidence, it hasn't yet achieved widespread insurance coverage in Michigan. Balance Foot & Ankle advocates for patients and provides documentation for any applicable reimbursement requests. Call (810) 206-1402.

Can Michigan patients use FSA or HSA funds for MLS laser at Balance Foot & Ankle?

Yes, FSA and HSA funds can typically be used for MLS laser therapy at Balance Foot & Ankle as a medically necessary podiatric treatment in Michigan. These tax-advantaged funds effectively reduce the cost of laser therapy. Call (810) 206-1402 to confirm FSA/HSA acceptance for your specific treatment.

Does Balance Foot & Ankle offer payment plans for MLS laser therapy in Michigan?

Balance Foot & Ankle accepts CareCredit for MLS laser therapy, allowing Michigan patients to pay for treatment over time with flexible financing options. We also offer package pricing for complete treatment series that reduces the per-session cost. Call (810) 206-1402 to discuss affordable laser therapy options.

How much does MLS laser therapy cost at Balance Foot & Ankle in Michigan?

Balance Foot & Ankle offers competitive MLS laser pricing for Michigan patients. Treatment costs vary based on the condition treated and number of sessions required. Package pricing for complete treatment series provides additional savings. Call (810) 206-1402 for current pricing at our Howell (4330 E Grand River) or Bloomfield Township (43494 Woodward Ave #208) clinics.

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.

Balance Foot & Ankle surgeons are affiliated with Trinity Health Michigan, Corewell Health, and Henry Ford Health — three of Michigan’s largest health systems.