Medically reviewed by Dr. Tom Biernacki, DPM
Board-certified podiatric surgeon | Balance Foot & Ankle, Howell & Bloomfield Township, MI
Last reviewed: May 2026

Quick answer: Treatment for nail fungus treatment michigan follows a stepwise approach: 1) conservative care first (rest, ice, supportive footwear, OTC anti-inflammatories), 2) physical therapy and targeted exercises, 3) in-office treatments (injections, custom orthotics) if conservative fails at 4-6 weeks, 4) surgery for refractory cases. Most patients resolve at step 1 or 2. Call (810) 206-1402.
Toenail fungus affects up to 10% of Michigan adults, and it is significantly more common in our climate — cold, wet winters create exactly the shoe environment where dermatophyte fungi thrive. If you have been dealing with discolored, thickened, or crumbling toenails, you are not alone — and you do not have to live with it. At Balance Foot & Ankle, we treat nail fungus with precision-matched protocols based on the specific type and severity of your infection.
Nail Fungus Treatment Options at Our Michigan Clinics
Not all nail fungus cases are the same — and treatment that works for a mild distal infection will fail against a deep, proximal fungal invasion. After visual examination and, when needed, a nail culture to confirm the species, we match your treatment to your specific infection:
Prescription topical antifungals (efinaconazole, ciclopirox, tavaborole) — applied directly to the nail plate daily for 48 weeks. Highly effective for distal subungual and white superficial onychomycosis. No liver monitoring required.
Oral antifungals (terbinafine, itraconazole) — the most effective systemic treatment, achieving cure rates of 70–80% for moderate-to-severe infections. Terbinafine requires 3 months of daily dosing and periodic liver function monitoring. We coordinate blood work and monitoring throughout your course.
Mechanical debridement — regular professional thinning of the infected nail plate dramatically improves topical penetration and slows visual progression while treatment takes effect. Available at every appointment.
Combination therapy — for extensive infections, combining oral terbinafine with a prescription topical produces superior outcomes versus either alone. We use this approach for cases involving multiple nails or proximal subungual onychomycosis.
Why Michigan Patients Choose Balance Foot & Ankle for Nail Fungus
We have treated thousands of nail fungus cases across Michigan and understand the two reasons most patients fail home treatment: wrong diagnosis (many cases thought to be fungal are actually nail psoriasis, trauma, or lichen planus) and incomplete treatment courses. We confirm the diagnosis, match the therapy, and monitor your progress through to clear nail regrowth — typically 12–18 months from treatment start to fully clear nails, since nails grow slowly regardless of treatment speed.
Dr. Tom Biernacki, DPM — Founder · 3,000+ surgical procedures · 4.9 ★ (1,200+ reviews) · Trained at Wayne State University · Board-Qualified Podiatrist serving Michigan since 2004.
In-Office Treatment at Balance Foot & Ankle
If home treatment isn’t providing relief for your toenail fungus, our podiatry team at Balance Foot & Ankle can help with expert evaluations and advanced in-office care.
Frequently Asked Questions — Nail Fungus Treatment in Michigan
How much does nail fungus treatment cost in Michigan?
Office visits for nail fungus diagnosis and debridement are typically covered by most major insurance plans. Prescription topical antifungals may require prior authorization; oral terbinafine is available as a low-cost generic ($15–30/month). If your insurance has questions about coverage, our billing team verifies benefits before your first appointment. Call (810) 206-1402 to discuss your specific plan.
How long does nail fungus treatment take in Michigan?
Oral terbinafine is prescribed for 3 months; prescription topicals are used for 48 weeks. However, visual clearing of the nail takes 12–18 months because the nail must grow out entirely. Treatment kills the fungus within the first 3–6 months — you are watching healthy nail grow behind the clearing front. Toenails grow approximately 1.5mm per month, so complete clearing of a full nail takes about 12–18 months from treatment start regardless of which therapy you use.
Is nail fungus contagious?
Yes — toenail fungus is spread by direct contact with infected surfaces. Locker rooms, communal showers, and swimming pool decks are common transmission sites in Michigan. The same dermatophyte fungi that cause athlete’s foot (tinea pedis) can spread to the nails. Household transmission is also possible through shared towels and nail clippers. During treatment, we advise sanitizing nail instruments, wearing shower shoes in communal areas, and applying antifungal powder to shoes daily.
Can I get same-day nail fungus treatment in Howell or Bloomfield Township?
Yes — we accommodate appointments at both our Howell and Bloomfield Township locations. Call (810) 206-1402 or book online at our new patient page. Nail culture results take 2–4 weeks, but initial treatment and debridement can begin the same day as your first visit.
When Shoes Aren’t Enough — Dr. Tom’s Top 9 Orthotics
About 30% of patients I see for foot pain need MORE than a great shoe — they need a structured insole. Below: my complete 2026 orthotic ranking with pros, cons, and the specific patient I’d give each one to.
Frequently Asked Questions
How long does treatment take to work?
Most patients see improvement in 4-8 weeks with consistent conservative care. Persistent symptoms after 8 weeks need imaging and escalation.
When is surgery needed?
Surgery is reserved for cases that fail 3-6 months of conservative care, structural deformities, or fractures requiring stabilization.
Is this covered by insurance?
Most diagnostic visits and conservative treatments are covered by Medicare and major insurers. Custom orthotics often require diabetic or post-surgical justification.
American Academy of Dermatology: Nail Fungus
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Book online 24/7 in Howell & Bloomfield Township, MI
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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.







