SAME-DAY COVID-19 TESTING IN CARMEL, INDIANA
Rapid COVID-19 Testing in Carmel, IN
Results during your visit. Physician-led evaluation when you are sick, exposed, or need documentation for school or work.
Symptomatic, exposed, traveling, returning to work, or just want to know? Walk in any time during open hours. A Monarch physician evaluates symptoms and reviews results with you before you leave.
Office Visit + $31.50 Test
An office visit is required for COVID testing. Self-pay patients pay the office visit fee plus $31.50 for the test.
Walk-In Same-Day
No appointment needed — open 7 days
Results In Visit
Rapid antigen results before you leave
Physician-Led
A Monarch physician evaluates and reviews results
About COVID-19 Testing at Monarch
We use a rapid antigen test to detect active COVID-19 infection. The sample is collected with a gentle nasal swab from the front of the nose — no deep nasopharyngeal swab required. Most patients describe it as a brief tickle, not painful.
Results are available during your visit. A Monarch physician reviews your results with you and discusses next steps based on your symptoms, exposure, and any documentation you need.
Who We Test
- ✓ Adults and children
- ✓ Symptomatic patients (fever, cough, sore throat, congestion, loss of taste or smell)
- ✓ Patients with known exposure to a COVID-positive contact
- ✓ Patients needing documentation for school, work, or before visiting high-risk family
- ✓ Patients trying to distinguish COVID-19 from flu, strep, RSV, or another respiratory illness
If You Need a PCR Test
Monarch primarily offers rapid antigen COVID-19 testing. If your employer, school, airline, or destination requires PCR, call us before your visit so we can confirm whether send-out testing is available that day or direct you to the right testing site.
TRANSPARENT PRICING FOR SELF PAY
Clear Costs Before Testing
How COVID testing pricing works: The rapid antigen test fee is added to a brief office visit fee for symptom evaluation. We review the expected total with you before testing begins. Self-pay rates listed below; insurance billed at contracted rates.
Self-Pay Pricing
| Rapid COVID-19 antigen test | $31.50 |
| Office visit (new patient, low-level) | $153.30 |
| Office visit (established patient, low-level) | $105.70 |
For Insured Patients
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. Your copay, deductible, and coinsurance depend on your plan — we recommend confirming with your insurance ahead of your visit.
DOCUMENTATION
Documentation for Travel, Work, or School
If you need test results in writing, we provide same-day documentation. Tell the front desk what you need when you check in so we can prepare the correct form.
For Travel
We can provide a printed or MyChart-accessible result with patient name, test date, test type, and clinic information. If a physician signature is required, tell us before testing. Confirm with your airline, cruise line, employer, or destination country which test type and timing window they require before your visit.
For Return-to-Work
We provide your test result and a work note when appropriate. A physician reviews your symptoms and advises when to return based on your situation and current guidance. Bring any employer-specific requirements, particularly if you work in healthcare.
For School or Childcare
We provide test documentation and a school or childcare note when appropriate. Return recommendations depend on symptoms, current guidance, and the school or childcare program’s requirements. A negative test alone does not determine readiness to return.
If You Test Positive
A positive rapid antigen test means active COVID-19 infection. A Monarch physician will discuss your symptoms, recommend treatment if appropriate (such as Paxlovid for high-risk patients), and give you guidance on isolation and when to follow up.
State reporting: Positive COVID-19 results are reported as required by Indiana public health reporting rules. Negative rapid antigen results may not require the same reporting pathway. Our team documents your result in your chart and can provide printed or MyChart-accessible documentation when available.
If you have severe symptoms — severe shortness of breath, persistent chest pain, confusion, bluish lips or face, or trouble staying awake — call 911 or go to the nearest emergency room. COVID-19 can become serious quickly in some patients.
RELATED SAME-DAY CARE
Not Sure What's Wrong? We Test for More Than COVID.
If your symptoms could be flu, strep, or another respiratory illness, we test for those too — same visit, same fee structure.
FREQUENTLY ASKED QUESTIONS
COVID-19 Testing FAQ
Do I need an appointment?
No. Walk in any time during open hours: Monday through Friday 8am to 6pm, Saturday and Sunday 9am to 12pm. You can also book online through MyChart if you prefer to hold a time.
How long does it take to get results?
Rapid antigen results are available during your visit, usually within 15 minutes of the swab. If PCR send-out testing is needed, call us before your visit and we will let you know the typical turnaround time.
How accurate is the rapid antigen test?
Rapid antigen tests are useful for detecting active COVID-19 infection, especially when symptoms are present. A positive result is generally reliable. A negative result does not always rule out COVID-19, especially early after exposure or when symptoms are mild. A Monarch physician will review your symptoms, exposure history, and timing to help decide whether repeat testing or PCR testing makes sense.
Can my child get tested?
Yes. We test children. The front-of-the-nose swab is gentle and is well tolerated by most pediatric patients. For very young infants or severe symptoms, a Monarch physician may recommend pediatric emergency care depending on the situation.
Can I get a test result document for travel or work?
Yes. Same-day signed documentation is available. For international travel, confirm with your airline or destination which test type and timing window they require before your visit.
Do you do PCR testing?
Monarch primarily offers rapid antigen testing. If your employer, school, airline, or destination requires PCR, call us at (317) 804-4203 before your visit so we can confirm whether send-out testing is available that day or direct you to the right testing site.
What insurance do you take?
Anthem BCBS, United Healthcare, Aetna, Cigna, and Encore/IU Health Plans. We are not in network with Medicaid or Humana. Self-pay is also available.
What if I'm too sick to come in?
If you have severe shortness of breath, persistent chest pain, confusion, or bluish lips or face, call 911 or go to the nearest emergency room. For at-home testing, rapid antigen tests are available over-the-counter at most pharmacies.
WHAT PATIENTS SAY
Read What Carmel Families 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 Today. Get Tested Today.
Same-day COVID-19 testing in Carmel. Rapid results. No appointment needed.
Book An Appointment Call (317) 804-4203
Mon–Fri 8am–6pm · Sat–Sun 9am–12pm
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. COVID-19 testing protocols, isolation guidance, treatment recommendations, and CDC and Indiana State Department of Health guidelines change over time. A Monarch physician reviews your specific situation and current guidance with you 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.
COVID-19 testing at Monarch Medicine Urgent Care is 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 or care. Test result interpretation, isolation guidance, and treatment decisions are made by a Monarch physician based on your specific situation and current CDC and Indiana State Department of Health guidelines. For severe symptoms, call 911 or go to the nearest emergency room. Insurance coverage and self-pay rates are accurate as of the page's last review date and may change.