Physician-led urgent care at Monarch Medicine in Carmel, Indiana — board-certified physicians treating Hamilton County families since 2024

PHYSICIAN-LED URGENT CARE IN CARMEL, IN

Complete Urgent Care Services — Walk In Today

From illness and injury to diagnostics, physicals, and surgical clearance — every service at Monarch Medicine is delivered by a board-certified physician. Dr. Lisa Clay, MD sees every patient, every visit.

Open 7 days a week | On-site X-ray & labs | Same-day results | Carmel, IN

Schedule Your Visit

Or call (317) 804-4203

SAME-DAY URGENT CARE IN CARMEL, INDIANA

Our Services in Carmel, IN

Walk-in urgent care, on-site X-ray, physicals, compliance testing, and wellness — for all ages.

A Monarch physician examines you, decides what is needed, and explains the plan in plain words. We handle what we can in one visit, and we tell you when something belongs with a specialist or your primary care doctor. Walk in 7 days a week, schedule online through MyChart, or call us first if you are not sure where to start.

Schedule Online Call (317) 804-4203

Monarch Medicine Urgent Care in Carmel, Indiana

Walk-In Welcome

No appointment needed — open 7 days

All Ages

Newborns through adults — no age restrictions

Physician-Led Care

Examined by a Monarch physician

Pricing Before Treatment

Self-pay rates published online

Physician-led urgent care for children at Monarch Medicine in Carmel, Indiana
On-site diagnostic testing at Monarch Medicine Urgent Care in Carmel, Indiana
Physician-led urgent care for children at Monarch Medicine in Carmel, Indiana

PRICING & INSURANCE

Insurance, Self-Pay, and Pricing Transparency

In Network

We are in network with:

  • Anthem Blue Cross Blue Shield
  • United Healthcare
  • Aetna
  • Cigna
  • Encore / Indiana University Health Plans

Not in network: Medicaid and Humana. We can see you as a self-pay patient at our discounted rates if you have one of these plans.

Self-Pay Pricing

Self-pay rates start at $105.70 for an established patient low-level visit and $153.30 for a new patient low-level visit. Our self-pay pricing already includes a 30% discount from standard rates — no separate step needed. HSA and FSA accepted. Pricing is reviewed with you before treatment begins.

Dr. Lisa Clay, MD, — founder and medical director of Monarch Medicine Urgent Care in Carmel, Indiana

FROM DR. CLAY

Why Monarch Looks Like This

Walk-in urgent care should be simple. A patient walks in. A physician examines them, decides what is needed, explains the plan, and treats what can be treated.

Our team designed Monarch to deliver that simply. On-site X-ray, in-office procedures, rapid testing, prescriptions when clinically appropriate, and clear pricing before treatment begins. When something belongs with a specialist or your primary care doctor, we tell you and send the records along.

That is what every service on this page is built around.

— Dr. Lisa Clay, MD

Read more about Dr. Clay →

WHEN ER IS MORE APPROPRIATE

Skip Us for These

We see most urgent care needs in one visit. Some things need the ER instead. Skip us and go directly to the ER or call 911 for:

  • ⚠ Severe trauma, open fractures, or uncontrolled bleeding
  • ⚠ Chest pain with concerning symptoms or shortness of breath
  • ⚠ Difficulty breathing, pulling between the ribs, blue lips, or severe wheezing
  • ⚠ Loss of consciousness or unresponsiveness
  • ⚠ Severe head, neck, or spine injury
  • ⚠ Suspected stroke (face droop, arm weakness, speech changes)
  • ⚠ Severe allergic reaction (face or throat swelling)
  • ⚠ Suspected poisoning, ingestion, or overdose
  • ⚠ Any fever of 100.4°F or higher in an infant under 3 months
  • ⚠ Severe abdominal pain
  • ⚠ Anything where your gut tells you something is seriously wrong

If you are not sure, call us at (317) 804-4203. We will help you decide.

FREQUENTLY ASKED QUESTIONS

Common Questions About Monarch Services

Do I need an appointment?

No. Walk in during open hours: Monday–Friday 8am–6pm, Saturday–Sunday 9am–12pm. You can also schedule online through MyChart to hold a time slot.

What ages do you see?

All ages. Newborns through adults. There are no age restrictions for urgent care visits at Monarch. A Monarch physician examines you or your child and decides what is needed.

Do you accept insurance?

We are in network with Anthem BCBS, United Healthcare, Aetna, Cigna, and Encore/IU Health Plans. We are NOT in network with Medicaid or Humana. HSA and FSA accepted.

What if I don't have insurance?

Self-pay rates start at $105.70 for an established patient low-level visit and $153.30 for a new patient low-level visit — our self-pay pricing already includes a 30% discount from standard rates, no separate step needed. See our pricing page for the full fee schedule.

Can I get an X-ray here?

Yes. We have on-site digital X-ray for all ages. An office visit is required for every X-ray so a Monarch physician can examine you and order the imaging. The X-ray is taken by a radiologic technologist, reviewed with you during the visit, and sent for radiologist final read. See our walk-in X-ray page for details.

Can you handle multiple concerns in one visit?

Often, yes. A Monarch physician evaluates everything you bring in and decides what can be addressed during the visit and what needs follow-up. Some things benefit from a separate, focused visit — we will tell you when that is the case.

How quickly can I be seen?

Wait times vary by day and time. Walk-ins during off-peak hours often wait 15 minutes or less. You can also schedule online through MyChart to hold a time slot.

Can you send my records to my primary care doctor?

Records can often be shared with your primary care doctor through MyChart and Care Everywhere. Tell us at check-in who you would like records sent to.

WHAT PATIENTS SAY

Read What Carmel Patients Say About Monarch

Real reviews from real patients, pulled directly from Google. We have earned a 5.0 rating across more than 170 reviews.

Walk In. Get Care. Leave With a Plan.

Same-day urgent care for all ages. On-site X-ray, in-office procedures, and pricing before treatment begins.

Schedule Online Call (317) 804-4203

Mon–Fri 8am–6pm · Sat–Sun 9am–12pm

Serving Carmel, Fishers, Westfield, Noblesville, Whitestown, Zionsville, and all of Hamilton County

90 Executive Drive, Suite A & B, Carmel, IN 46032

How This Page Is Reviewed

This page was medically reviewed by Dr. Lisa Clay, MD — Founder and Medical Director of Monarch Medicine Urgent Care. Service offerings, pricing, and insurance arrangements change. A Monarch physician reviews your specific situation and explains the plan during your visit. Last reviewed: May 2026.

Medically reviewed by Dr. Lisa Clay, MD — Founder & Medical Director, Monarch Medicine Urgent Care. Last reviewed: May 2026.

Urgent care services at Monarch Medicine Urgent Care are provided by physician-led clinical staff under the supervision of Dr. Lisa Clay, MD. This content is informational and is not a substitute for individual medical advice. A Monarch physician examines you, decides the right diagnosis and treatment based on your specific situation, and tells you when something belongs with a specialist or your primary care doctor. Pricing reflects current rates and may change. Insurance coverage depends on your plan and benefits. For severe trauma, suspected stroke, severe head or neck injury, severe allergic reaction, suspected poisoning, any fever of 100.4°F or higher in an infant under 3 months, or any condition where your gut tells you something is seriously wrong, call 911 or go to the nearest emergency room.