At your first visit for any unsightly, long or painful and thick toenail, insurance will typically cover the office visit as well as the biopsy that is done to confirm (or deny) that you have a fungal infection in the nail.  In most cases, insurance does not cover routine trimming of the nails if they are simply fungal or too thick to cut. There are some exceptions to this rule including patients with poor blood flow to their feet (peripheral vascular disease) and nerve damage (peripheral neuropathy) which puts them at risk for other complications. However we understand that many patients can not trim these thick nails on their own and doctors can still trim the nails for you for an 'out-of-pocket' cost. To know if you qualify, a comprehensive foot exam is performed by your podiatrist to assess your risk level.