INSURANCE & PAYMENT OPTIONS
Most Major Plans Accepted. Clear In-Office Pricing.
Monarch Medicine accepts most major insurance plans. If your plan covers your visit, we will handle the paperwork. If you don't have insurance — or your plan doesn't cover urgent care — our self-pay prices are published before you walk in.
Anthem · UnitedHealthcare · Aetna · Cigna · Encore / IU Health Plans
Major Plans Accepted
Five major insurers in network — verified at every visit
Self-Pay Welcomed
Published prices — know your cost before you sit down
HSA & FSA Cards
Accepted for eligible expenses; check your plan
Known Costs Before Treatment
Charges discussed before treatment — no facility fees
ACCEPTED INSURANCE PLANS
Insurance Plans We Accept
Bring your insurance card to your visit. We will verify coverage and let you know your estimated cost before treatment begins.
Anthem BCBS
Call to confirm your specific plan and network
UnitedHealthcare
Choice Plus · Navigate · Surest · HSA-eligible
Aetna
Most commercial plans · HSA-eligible
Cigna
Open Access Plus · LocalPlus · HSA-eligible
Encore / IU Health Plans
Indiana University Health network plans
Plan name not on this list? Call (317) 804-4203 with your insurance card and we will verify your coverage.
PLANS WE DO NOT ACCEPT
Medicaid & Humana
Monarch Medicine is not in network with Medicaid or Humana plans. We do not bill these plans, and we cannot accept them as payment for visits.
If you have one of these plans, you have two options:
- Self-pay at the time of visit. Our self-pay prices are published, with no facility fees and clear in-office pricing before treatment.
- Use a clinic that accepts your plan. CVS MinuteClinic and Indy Now have locations that accept Medicaid and Humana for some services.
Medicare Patients
Monarch is an opt-out provider for Medicare. We do not bill Medicare directly. Medicare patients can be seen as self-pay — you sign a one-time Medicare opt-out contract at your first visit, and our self-pay rates apply.
WHY OUR APPROACH IS DIFFERENT
Built for Patients, Not Insurance Companies.
We built billing the way we built care: physician-led and clear. If you're using insurance, we verify your plan and benefits at check-in. If you're self-pay, prices are published and your in-office costs are reviewed before treatment. LabCorp may bill separately when labs are sent out.
Monarch was built the other way around. Insurance is a tool for patients who have it. Self-pay is a real, dignified option for patients who don't. Both paths get you the same physician, the same on-site X-ray, the same time with the doctor, the same care.
"Whether you walk in with insurance, with an HSA card, or with cash, you should be treated the same way. The pricing question is solved before you sit down. Then we can focus on what brought you in." — Dr. Lisa Clay, MD, Founder & Medical Director
HOW BILLING WORKS
Three Paths, One Standard of Care
No matter how you pay, the visit is the same.
If You Have Insurance
- Bring your insurance card to your visit.
- We verify your coverage and copay before you see the physician.
- You pay your copay at check-out.
- We bill your insurance for the rest.
- Any deductible or coinsurance you owe arrives in a statement after your insurance processes the claim.
If You Are Self-Pay
- You see published prices on our self-pay page before your visit.
- Final cost is confirmed at check-in.
- Payment is collected at time of service.
- LabCorp bills separately for send-out tests. No facility fees.
- If your visit ends up more complex than expected, we tell you before adding any service.
If You Use HSA or FSA
- Bring your HSA or FSA debit card.
- Eligibility depends on the service and your benefits plan. Check with your plan administrator.
- You can pay your insurance copay or your full self-pay rate using HSA / FSA.
- We provide an itemized receipt for HSA / FSA reimbursement if needed.
Wellness programs (VIB, NAD+, GLP-1) may have HSA/FSA eligibility limits — check with your plan.
URGENT CARE VS. ER COSTS
Physician-Led Care at a Fraction of ER Costs
For non-emergency illnesses and injuries, Monarch Medicine offers affordable care with a physician at every urgent care visit. Our published self-pay rates help you understand your costs before treatment.
| Visit and Services | Monarch Self-Pay Total |
|---|---|
| Simple office visit | $153.30 |
| Simple office visit + rapid strep test | $184.80 |
| Simple office visit + rapid flu test | $184.80 |
| Simple office visit + in-office urinalysis | $184.80 |
These examples include only the services listed and already reflect our 30% self-pay discount. Additional testing, imaging, procedures, supplies, and pharmacy prescriptions are separate. LabCorp bills send-out tests separately.
Plan Your Self-Pay Visit
Simple office visits start at $153.30 for new patients or $105.70 for established patients. A rapid flu test, rapid strep test, COVID test, or in-office urinalysis is $31.50 per test in addition to the office visit.
X-ray is an additional charge; our published self-pay rate is $157.50. Ask our team for a quote for the imaging ordered. Splints, braces, wound repairs, and other procedures or supplies may add to your total.
Review the pricing on this page or call (317) 804-4203 with questions about your visit.
Insurance costs depend on your plan and benefits. For a medical emergency, call 911 or go to the nearest emergency department.
FREQUENTLY ASKED QUESTIONS
Insurance & Payment FAQs
How do I know if my plan is accepted?
Call (317) 804-4203 with your insurance card before your visit and we will verify in-network status. Most Anthem BCBS, UnitedHealthcare, Aetna, Cigna, and Encore/IU Health Plans are accepted.
What is my copay going to be?
Copays vary by plan. We verify your copay at check-in before you see the physician, so you know exactly what you owe at time of service. Deductibles and coinsurance, if applicable, arrive in a statement after your insurance processes the claim.
Can I pay self-pay even if I have insurance?
Yes. Some patients prefer self-pay for privacy reasons (such as STD testing) or because their high deductible makes self-pay cheaper than what they would owe through insurance. We can run the math both ways at check-in.
Do you accept HSA and FSA cards?
Yes. HSA and FSA cards are accepted for all medical services. You can use them to pay copays, deductibles, or full self-pay rates. Wellness programs (VIB, NAD+, GLP-1) may have plan-specific eligibility limits.
What if my insurance denies the claim?
If a claim is denied, contact our office at (317) 804-4203. We can review the statement and explain your payment options. Your responsibility depends on the service, your benefits, and the claim outcome.
Why are you not in network with Medicaid or Humana?
Insurance contracts are negotiated. Medicaid and Humana reimbursement rates do not support physician-led, walk-in urgent care at our cost structure. Patients with these plans can still be seen at Monarch as self-pay patients at our published rates.
Do you offer payment plans?
Payment is due at the time of service. Call our office before your visit with billing questions.
Have Questions About Your Plan? Call Us First.
Bring your insurance card to your visit, or call ahead so we can verify your coverage before you arrive.
Cash, credit, debit, HSA, FSA, and Zelle accepted.
Mon–Fri 8am–6pm · Sat–Sun 9am–12pm
Insurance acceptance, copays, deductibles, and reimbursement rates are determined by your plan and are subject to change. The information on this page is for general informational purposes and does not constitute medical or financial advice. Verification of your specific benefits is your responsibility — we will help where we can but cannot guarantee plan-specific outcomes.
Last reviewed by: Dr. Lisa Clay, MD — Founder & Medical Director, Monarch Medicine Urgent Care. Last reviewed: May 2026.