Self-Pay Urgent Care Pricing – Carmel
NO SURPRISES. NO HIDDEN FEES.
Self-Pay Urgent Care Pricing — Know Before You Walk In
No insurance? No problem. Monarch Medicine offers transparent self-pay pricing for every service we provide. You’ll know exactly what your visit costs before you see the doctor — not after.
Physician-led urgent care · Clear pricing · No surprise bills · Open 7 days
30% Self-Pay Discount
Applied automatically at check-in
No Surprise Bills
Know your cost before your visit
Fraction of ER Cost
Save 60–80% vs emergency room
Pay at Check-Out
Credit, check, debit, HSA, FSA, Zelle
WHAT DOES URGENT CARE COST WITHOUT INSURANCE?
Self-Pay Pricing at Monarch Medicine
All prices reflect our 30% self-pay discount. Payment is due at time of service.
Every visit includes a physician evaluation. All tests, imaging, and procedures require an office visit with Dr. Clay — no test or X-ray is performed without a physician exam first.
| Service | Self-Pay Price |
|---|---|
| Office Visits | |
| Office Visit — New Patient (simple) | Starting at $153.30 |
| Office Visit — Established Patient (simple) | Starting at $105.70 |
| Office visit cost may increase based on medical complexity. Dr. Clay discusses all charges before treatment. | |
| Diagnostic Tests (in addition to office visit) | |
| Rapid Flu Test | $31.50 |
| Rapid Strep Test | $31.50 |
| COVID-19 Test | $31.50 |
| Urinalysis | $31.50 |
| X-Ray (single view) | $157.50 |
| TB Testing (PPD, QuantiFERON, Chest X-Ray) | View TB Pricing → |
| STD Testing (chlamydia, gonorrhea, syphilis, HIV, more) | View STD Testing → |
| Procedures (in addition to office visit) | |
| Laceration Repair | Varies by complexity |
| Physicals (standalone — no office visit required) | |
| Sports Physical | $65.80 |
| Pre-Op Evaluation (Surgical Clearance) | View Pre-Op Pricing → |
| Base evaluation: $215.60 | EKG (if ordered): +$52.50 | Blood draw fee: +$8.40 | X-ray (if ordered): +$157.50 | Maximum all-in: $434.00 | |
| Pre-Employment Physical | $65.80 – $215.60+ |
| Work Physical / Return-to-Work | $65.80 – $215.60+ |
| Physical exam pricing varies based on complexity and employer requirements. Contact us for a quote. | |
| Wellness Injections (standalone — no office visit required) | |
| VIB — Vital Immunity Boost | $75.00 |
| NAD+ Injection | $75.00 |
Prices are estimates and may vary based on complexity. Dr. Clay discusses all charges before treatment. No surprise bills. Payment accepted: cash, credit, debit, HSA, FSA, Zelle.
TRANSPARENT BY DESIGN
Why We Publish Our Prices
Most urgent care clinics don’t publish pricing. We do. Because when you’re uninsured or have a high-deductible plan, you deserve to know what your visit will cost before you walk through the door.
At Monarch Medicine, every self-pay patient receives an automatic 30% discount. There are no facility fees, no surprise charges, and no bill arriving weeks later for a service nobody mentioned. Dr. Clay discusses all costs and options with you during your visit.
"Healthcare pricing shouldn’t be a mystery. If you’re paying out of pocket, you should know exactly what you’re paying for. That’s why we post our prices publicly and discuss costs with every patient." — Dr. Lisa Clay, MD, FAAFP
YOUR DOCTOR. EVERY VISIT.
Lisa Clay, MD, FAAFP
Founder & Medical Director
Board-Certified Family Physician
Fellow, American Academy of Family Physicians
Dr. Clay founded Monarch Medicine in May 2024 with a simple conviction: urgent care should feel like you’re seeing your own doctor — not a rotating cast of providers who don’t know your name. She sees every patient personally, owns the practice alongside her husband Todd, and has built a team that reflects her commitment to compassionate, physician-led care.
CREDENTIALS & EXPERIENCE
Transparent Self-Pay Urgent Care Visit Pricing Starting at $150
Education & Training
Board-certified in Family Medicine. Fellow of the American Academy of Family Physicians (FAAFP). Nearly two decades of clinical experience spanning family medicine, urgent care, and hospital medicine.
Clinical Scope
Illness and injury evaluation, on-site X-ray interpretation, laceration repair, fracture management, pediatric urgent care, women’s health, sports physicals, DOT physicals, TB testing, STD screening, and wellness injections (VIB, NAD+).
Philosophy
Dr. Clay believes every patient deserves to be seen by the same physician who knows their history, listens without rushing, and explains the plan in plain language. She founded Monarch Medicine to deliver the kind of care she’d want for her own family.
"I left the hospital system because I wanted to practice medicine the way it should be practiced — where I know every patient by name, where I have time to listen, and where I make the clinical decisions. That’s what Monarch Medicine is."
— Dr. Lisa Clay, MD, FAAFP
What Makes Monarch Medicine Different
- Physician-owned, not hospital-owned. Dr. Clay owns and operates this clinic. She answers to patients, not corporate administrators.
- Same doctor every visit. You’ll see Dr. Clay — not a rotating cast of providers. She knows your history, your family, and your concerns.
- On-site X-ray & lab. Digital X-ray with same-day results and comprehensive lab testing — no referral needed.
- Transparent pricing. Self-pay rates published. No surprise bills. 30% discount for uninsured patients.
- Epic/MyChart integrated. Your visit records sync with the same system used by IU Health, Community Health, and most Indiana hospitals.
WHAT WE TREAT
Our Services
Every service below is physician-led by Dr. Lisa Clay, MD at our Carmel clinic.
PATIENT REVIEWS
What Our Patients Say
★★★★★
"My daughter was experiencing a variety of symptoms and the medication prescribed by another doctor wasn’t helping. Dr Clay did a thorough exam and was able to provide proper medication for her illness diagnosed correctly. Great service. In and out quickly. Thank you!"
— Kristin
★★★★★
"Wonderful staff! Olivia and Dr Clay and Todd were so very kind to us!! We were out of town and needed immediate help. They each made sure we understood what to expect. Olivia greeted us with a wheelchair along with her sweet spirit. Todd checked us in with calmness and Dr Clay was such a pleasure!!!They were reassuring and supportive and kind. Highly recommend this clinic!"
— Lisa
★★★★★
"Sliced my finger with a bread knife and needed stitches. Came in to Monarch and had the best experience with Dr. Clay and the staff. They were kind, thorough and quick! I will be bringing my family back when the need arises."
— Alexandria
FREQUENTLY ASKED QUESTIONS
Self-Pay Pricing FAQ
What does an urgent care visit cost without insurance?
A new patient visit starts at $153.30 and an established patient visit starts at $105.70. These prices reflect our 30% self-pay discount. Cost may increase based on medical complexity, which Dr. Clay discusses with you before treatment.
Do I have to pay at the time of my visit?
Yes. Payment is due at time of service. We accept cash, credit card, debit card, HSA, FSA, and Zelle.
Can I just walk in for a test or X-ray without seeing the doctor?
No. Every test, X-ray, and procedure at Monarch Medicine requires a physician evaluation first. Dr. Clay examines you, determines what testing is appropriate, and orders it based on clinical findings. This is how quality medicine works — and it protects you from unnecessary tests.
Is this cheaper than the emergency room?
Significantly. The average ER visit in Indiana costs $2,200 or more — before any tests or imaging. A comparable visit at Monarch Medicine with a physician exam, rapid test, and X-ray typically costs $250–$400 total. That's a savings of 60–80%.
Do you accept HSA or FSA cards?
Yes. Health Savings Account (HSA) and Flexible Spending Account (FSA) cards are accepted for all services.
What if I have insurance but want to pay out of pocket?
You can choose to self-pay even if you have insurance. Some patients prefer this for privacy (such as STD testing) or because their deductible is high enough that the self-pay rate is less than what they'd owe through insurance. Let us know at check-in and we'll explain both options.
Do you accept Medicaid or Humana?
We are not in network with Medicaid or Humana. Self-pay rates are available for patients with these plans. All other major insurance plans are accepted — see our insurance page for the full list.
Meet Your New Doctor — Walk In Today
Physician-led urgent care. Transparent pricing. No appointment needed. Open 7 days a week.
Mon–Fri 8am–6pm · Sat–Sun 9am–12pm