No Insurance? Here’s How to Get Foot and Ankle Care

Is podiatry covered by insurance? This is one of the most common questions we’ve encountered at Central Massachusetts Podiatry. While there are foot and ankle treatments covered by some insurance companies, there are other podiatric services, such as laser treatments, shockwave therapy or amniotic injections, that are not considered “standard” by insurance. This can be discouraging to some patients dealing with ongoing pain or looking for advanced options.

The important thing to know is that there are ways to access these treatments, even without insurance coverage. Flexible payment options, such as CareCredit, can help patients move forward with care when they need it most.

Why Some Foot and Ankle Treatments Aren’t Covered by Insurance

You may be wondering why is podiatry not covered by insurance? Insurance companies have different rules in terms of coverage and benefits. They may cover podiatric services that they consider “medically necessary.” For instance, Medicare usually doesn't cover routine foot care, like nail trimming or callus removal, unless you have a health condition that puts your feet at higher risk. Conditions such as diabetes, nerve problems, or vascular disease may qualify. Whether it’s covered depends on both your medical condition and what your foot exam shows at the visit.

Some foot and ankle treatments are excluded because they’re labeled as:

• Elective – not seen as essential.
• Experimental – not yet widely accepted as standard practice.
• Non-essential – even if they relieve symptoms, they may not be included in the plan.

Common examples of foot and ankle treatments often not included of coverage are as follows:

• Lunula Laser for Toenail Fungus – a non-invasive treatment to improve nail health.
• Shockwave Therapy – often recommended for chronic heel pain or tendon injuries when other treatments haven’t worked.
• Amniotic Injections – regenerative options that encourage natural healing.

While insurance may not cover these, patients often choose them because they provide significant relief.

Flexible Payment Options for Self-Pay Podiatry Services

Delaying care due to cost can make foot and ankle problems worse over time. To help patients move forward, there are ways to make treatments more affordable:

• Ask about alternatives – Talk to your podiatrist. Let them know cost is a concern. Your podiatrist may suggest different treatment options that can be covered by insurance.
• Discuss payment plans – Some clinics offer flexible payment arrangements so you don’t have to pay everything at once.
• Look into CareCredit or similar healthcare financing – These allow you to spread the cost out over time, sometimes with low or no interest.
• Prioritize your care – If the treatment is important for pain relief or mobility, weigh the benefits against delaying care. Sometimes waiting can make the condition worse, which may lead to more expensive treatment later.
• Check for discounts or package pricing – Some offices offer reduced pricing for self-pay patients.

Key Takeaways

If you’re struggling with any foot and ankle conditions, it is better to check with your insurance provider for your coverage. When the services are not covered by insurance, talking with your podiatrist about payment options is a good first step toward getting the care you need. Don’t let insurance limitations stop you from addressing foot and ankle pain, there are usually options to make treatment possible.

At Central Massachusetts Podiatry, we understand the importance of flexible payment options. We can help you check if the services are covered by your insurance provider. We can also provide you with flexible arrangements, such as CareCredit, or other alternative treatments suited to your needs. For more information about our payment terms, please call our clinics in Worcester and Westborough. You may also schedule an appointment or walk-in for same day appointments. Book now.