In Adams County, reported syphilis is 82% lower than the national average. If you need to test for STIs in Monroe, Indiana, whether it's your first test or a routine screening, your options vary. Public clinics keep costs down, private labs prioritize speed, and at-home kits trade a clinic visit for convenience. Below, we list the options.
Available testing centers
6 testing options are listed for Monroe, IN. The nearest, Adams County Memorial Hospital, is about 0.4 miles away. Compare community and public clinics, private labs, and at-home kits below.
Listings tagged Community health center are federally funded health centers and rural clinics that treat everyone regardless of insurance or ability to pay: required to bill on a sliding fee scale and provide confidential care, and in many states minors may consent to their own STI testing. A Title X tag flags centers funded for confidential family-planning services; confirm current participation when you call.
Source: CMS FQHC & Rural Health Clinic enrollment files (data.cms.gov), refreshed quarterly. Title X status reflects the latest OPA grantee list.
A public safety-net rural health clinic in Monroe. Sliding-scale STD testing and care are typical here, call ahead to confirm the exact panel and pricing.
Tests offered
Meridian Health Services in Bluffton accepts Medicaid, Medicare, and most insurance, with a sliding-scale fee for those without coverage. Testing covers gonorrhea, syphilis, chlamydia, herpes, and HIV, with HPV and hepatitis A and B vaccines also available; an appointment is required.
Languages
English
Tests offered
Serves
Care services
Prevention services
Fees & payment
Listing verified Apr 2026 · Source: CDC NPIN + HRSA
Free tool · not a clinic
Testing too soon can miss an infection. Enter the date of possible exposure to see the earliest a test can reliably detect each STI.
| Infection | Earliest reliable test | Conclusive after |
|---|---|---|
| Chlamydia | 7 days after exposure | 14 days after exposure |
| Gonorrhea | 7 days after exposure | 14 days after exposure |
| Trichomoniasis | 7 days after exposure | 28 days after exposure |
| HIV (NAT / RNA) | 10 days after exposure | 33 days after exposure |
| HIV (4th-gen Ag/Ab) | 18 days after exposure | 45 days after exposure |
| HIV (antibody) | 21 days after exposure | 84 days after exposure |
| Syphilis | 21 days after exposure | 42 days after exposure |
| Hepatitis B | 21 days after exposure | 42 days after exposure |
| Hepatitis C | 56 days after exposure | 77 days after exposure |
| Herpes (HSV) | 28 days after exposure | 112 days after exposure |
Guidance only, confirm timing with a clinician. A negative result before the conclusive date may need a repeat test.
Typical out-of-pocket ranges by option, actual cost depends on which tests you need.
Public / community clinic
Free HIV testing is common
Private lab (self-pay)
Never billed to insurance
At-home kit
Mailed to your door, private
Doctor / urgent care
Often $0 preventive with insurance
No centers match those filters. Clear the service-type filter or the opening-hours filters to see every center.
Every other option
Beyond the dedicated testing centers above: at-home kits by mail, hospital labs certified for STI testing, local clinicians who can order a panel during a regular visit, pharmacies for self-test kits and prescriptions, and online PrEP & treatment.
Test from home
The nearest testing center is less than a mile away; if you'd rather skip the trip, an at-home kit ships to Monroe, you collect the sample privately, and mail it back to a CLIA-certified lab. Results come online in days, with a clinician available if anything is positive. Same labs as a clinic, no waiting room, and you can read how accurate at-home STD tests are before you order.
Want a free option first? The CDC-supported TakeMeHome (opens in a new tab) program mails free at-home HIV self-test kits, and, in many areas, free STI kits, to your door, with no insurance or payment needed. The paid kits below add broader panels and faster turnaround.
In-home collection
$79 & up
Best range: couples & full panels
$79 & up
Best value: single tests
$49 & up
Every kit uses CLIA-certified labs. At-home testing is for screening; a reactive result should be confirmed and treated by a clinician. Prices and panels shown are illustrative and change often, confirm current details on the provider's site.
Also in the area
Beyond the public testing sites above, these federally certified (CLIA) labs serve Adams County, each lab's town is shown on its card below. Many test through a doctor's order or by appointment rather than walk-in, so call ahead to confirm STD/STI testing and availability before visiting.
1100 Mercer Avenue, Decatur, IN 46733
CMS-certified lab
Source: CMS CLIA registry (Provider of Services), Q1 2026. Federal public records: active CLIA-certified laboratories near Monroe. A CLIA certificate records only that a laboratory is federally certified — it does not confirm the site performs STD testing, nor its hours, price or access. Inclusion is not an endorsement; always call to verify.
Local clinicians
Beyond dedicated clinics, 232 primary-care, OB-GYN, infectious-disease and other clinicians have a CMS practice record within 30 miles of Monroe. They may be able to evaluate symptoms or order a confidential STD panel during a regular visit, and 50 offer telehealth.
Alec Arturi, DO
Family medicine · 205 Tower Drive, Monroe
Thomandram Sekar, MD
Internal medicine · 1100 Mercer Avenue, Decatur
Michael Ainsworth, MD
Family medicine · 955 High Street, Decatur
Jessamine Hippensteel, DO
Family medicine · 1300 Mercer Avenue, Decatur
Nicholas Nussbaum, MD
Family medicine · 1350 West Main Street, Berne
Kent Lehman, MD
Family medicine · 1521 West Main Street, Berne
These are registry-listed clinicians, not dedicated STD-testing clinics. CMS records do not independently verify current licensure, testing services, availability, price, or new-patient status. Confirm each detail before booking. Source: CMS Doctors & Clinicians.
Nearby pharmacies
No pharmacy near Monroe, IN publishes an STD-related service or holds a current CLIA testing certificate, so these are simply the closest. Contact a location directly to confirm counter hours, services, prices, and availability before visiting.
4.5 mi 
5.2 mi Hook-Superx
5.5 mi
5.8 mi Kaup Pharmacy
6.0 miShowing the 5 closest pharmacies to Monroe, IN.
Directory records identify nearby pharmacies. Service, stock, price, and hours information is shown only when supported by current location-specific evidence.
Prevention & treatment
Testing is one step. For residents of Monroe, telehealth covers the rest: HIV-prevention medication (PrEP) and DoxyPEP to lower future risk, and discreet online treatment if a result comes back positive. All prescribed by licensed U.S. clinicians.
$0 with most insurance
Free online PrEP & DoxyPEP: HIV prevention, home lab kits, no in-person visit
Visit from $0 insured
Telehealth STI treatment and sexual-health care, delivered or to your pharmacy
From $0 insured
Telehealth PrEP & DoxyPEP with at-home testing and ongoing monitoring
Visit from $39
Online STI treatment & DoxyPEP: same-day prescriptions to your pharmacy
Pricing varies by insurance and changes often, confirm on the provider's site. These services are not a substitute for emergency care.
STD stats & rates
How reported STI rates in Adams County, the county that includes Monroe, compare with Indiana and U.S. averages, based on the most recent 2023 surveillance data. An estimated ~33% of residents are aged 15–34 (ACS), the age group with the highest reported chlamydia and gonorrhea rates nationally.
#85 of 92 Indiana counties for chlamydia, a higher rate than 8% of the state
| Infection | Adams County | Indiana | United States |
|---|---|---|---|
| Chlamydia | 118.5 43 cases ▼ 76% | 491 | 492.2 |
| Gonorrhea | 13.8 5 cases ▼ 90% | 144 | 179.5 |
| Syphilis (P&S) | 2.8 1 cases ▼ 68% | 8.7 | 15.8 |
| Syphilis (early) | — no data | 9.5 | 16 |
| Syphilis (late/unknown) | 11 4 cases ▼ 28% | 15.2 | 29.5 |
Rates per 100,000 population, 2023. Source: CDC NCHHSTP AtlasPlus (county, state & U.S., all-ages basis). Population figures: U.S. Census Bureau ACS. These figures are the latest available surveillance estimates. Bars are scaled to the highest rate shown.
Reading these numbers: reported case rates only count infections that were actually tested for and diagnosed, so they track local screening effort as much as true spread: a higher rate can reflect more testing, a lower one less. Either way, most STIs cause no symptoms, so treat the figures above as context rather than a verdict, and test on the CDC's schedule regardless of how your area looks.
Between 2020 and 2023 in Adams County, chlamydia has fallen from 248.5 to 118.5 per 100,000 (52%), gonorrhea has fallen from 39.1 to 13.8 per 100,000 (65%), and P&S syphilis has held roughly steady from 2.8 to 2.8 per 100,000.
The 2020 dip reflects reduced pandemic-era screening, not lower transmission. Source: CDC NCHHSTP AtlasPlus (county, state & U.S., all-ages basis).
Community health context
Sources: CDC PLACES (ZIP), County Health Rankings, CDC/ATSDR SVI, HRSA HPSA, HRSA MUA/P, Neighborhood Atlas ADI. Lower insurance coverage, fewer routine checkups, and a thin primary-care ratio all raise the value of low-cost public clinics and at-home testing in Adams County.
Local HIV snapshot
Adams County HIV care continuum (2021)
Adams County recorded 0 new HIV diagnoses per 100,000 (2021), against 11.7 statewide and 13.7 nationally. Among Adams County residents living with HIV, 100% are in care · 100% are virally suppressed. Early, routine testing is what moves these numbers: it is the entry point to PrEP, treatment, and viral suppression.
Sources: AIDSVu (Emory/Gilead) · CDC AHEAD · CDC AtlasPlus · CDC NCHHSTP AtlasPlus (county care continuum). The CDC recommends everyone aged 13–64 test for HIV at least once: every lab and clinic listed above offers HIV testing, and free rapid HIV testing is available at a local health department.
Congenital syphilis, passed from parent to baby in pregnancy, is the fastest-rising STI in the country. U.S. cases climbed from 2,163 in 2020 to 3,882 in 2023. It is almost entirely preventable: the CDC recommends a syphilis test at the first prenatal visit, and every clinic and lab listed for Adams County tests for syphilis.
Source: CDC NCHHSTP AtlasPlus, 2023 (county-level congenital syphilis is not published).
Local resources & officials
Data & references
Local context
Monroe Park anchors a town where most households own their homes outright, and at values well below what you'd find an hour in any direction, the financial profile here is genuinely modest. That stability has a flip side: when a medical expense feels optional, it tends to wait. With the vast majority of adults working and unemployment nearly negligible, the constraint isn't usually money or motivation. It's the calendar.
Early mornings and late afternoons are spoken for, and a town this size doesn't have a testing site on every corner. That scheduling reality matters most for younger adults still sorting out relationships, careers, and routines. The years when STI exposure is statistically highest and the habit of regular screening hasn't yet formed. Monroe runs lean on rental households, which means a lot of people are rooted here, embedded in the same networks over years.
Larger average households and a high share of married couples don't make STI risk disappear; they make routine screening a quiet courtesy to the people you share a home with. Building that drive into an existing errand day, rather than treating it as a separate trip, is the practical move Old Piqua Drive-In regulars already know: you make the most of the trip when you're already heading out.
Getting there
At 4.28/20 on the EPA walkability index, day-to-day errands in Monroe generally mean driving: plan on a car or rideshare to reach a clinic, and check each listing's hours and phone before you go.
Source: EPA National Walkability Index 2021.
ZIP 46772 snapshot
ZIP-level Census figures for the wider 46772 area around Monroe: a single ZIP can span several communities, so they describe the area, not Monroe alone.
Monroe sits in Adams County, ZIP 46772. Local context that shapes where residents test:
Local landmarks
Nearby cities & towns
Just outside Monroe? These nearby communities have their own testing guides: clinics, at-home kits, and free screening close to home.
Reference
Everything to know before you test in Adams County: the CDC's screening guidelines, each infection's detection window, per-test reference prices, and your privacy rights under Indiana law. If you have symptoms right now, our confidential symptom checker maps them to the tests worth considering.
Based on current CDC screening recommendations.
| Group | Tests | How often |
|---|---|---|
| Everyone aged 13–64 | HIV | At least once |
| Sexually active women under 25 | Chlamydia, gonorrhea | Every year |
| Women 25+ with new or multiple partners | Chlamydia, gonorrhea | Every year |
| Pregnant people | HIV, syphilis, hepatitis B & C, chlamydia | Early in pregnancy |
| Gay & bisexual men (MSM) | Chlamydia, gonorrhea, syphilis, HIV | Every 3–6 months |
| Anyone who shares injection equipment | HIV, hepatitis B & C | At least yearly |
| All adults at least once | Hepatitis C | At least once |
Testing too early can return a false negative, confirm timing with a Monroe-area provider.
| Infection | Earliest reliable test | Sample |
|---|---|---|
| Chlamydia | 1–2 weeks | Urine or swab |
| Gonorrhea | 1–2 weeks | Urine or swab |
| Trichomoniasis | 1–4 weeks | Urine or swab |
| HIV (NAT / RNA) | 10–33 days | Blood |
| HIV (4th-gen Ag/Ab) | 18–45 days | Blood |
| HIV (antibody) | 3–12 weeks | Blood / oral |
| Syphilis | 3–6 weeks | Blood |
| Hepatitis B | 3–6 weeks | Blood |
| Hepatitis C | 8–11 weeks | Blood |
| Herpes (HSV) | 4–16 weeks (antibody); swab a sore | Blood / swab |
These are the federal Medicare reference prices for processing each lab test. Public clinics and the community health centers serving Monroe often test free or on a sliding scale; private labs and at-home kits bundle several tests into one fee. Use this as a per-test benchmark before you pay out of pocket, or see the full guide to STD test costs for insurance, free, and at-home options.
| Test | Reference price | CPT / HCPCS |
|---|---|---|
| Chlamydia (NAAT) | $47.80 | 87491 |
| Gonorrhea (NAAT) | $47.80 | 87591 |
| Trichomoniasis (NAAT) | $47.76 | 87661 |
| HIV-1/2 antigen/antibody | $26.87 | 87389 |
| HIV-1/2 antibody | $22.44 | 86703 |
| Syphilis (RPR/VDRL) | $5.61 | 86592 |
| Syphilis (treponemal antibody) | $17.49 | 86780 |
| Herpes (HSV NAAT) | $47.76 | 87529 |
| Hepatitis B surface antigen | $15.33 | 87340 |
| Hepatitis C antibody | $29.16 | 86803 |
Source: Medicare Clinical Laboratory Fee Schedule, CMS, 2025 rates (data.cms.gov). Reference rate for the lab assay only: a clinic visit, sample collection, or a bundled multi-test panel may cost more. Medicaid and most insurers cover STD screening at no out-of-pocket cost.
Two things that actually depend on Indiana law: who can consent, and whether partners can be treated without their own visit. Everything else about testing privately is the same nationwide (see below).
In Indiana, a minor of any age can consent to confidential STI testing and treatment on their own, no parental permission is required.
Indiana permits Expedited Partner Therapy (EPT): if you test positive for chlamydia or gonorrhea, your provider can give you medication (or a prescription) to pass to your partner, no separate exam or appointment needed for them.
Keeping a test private works the same in every state. Whether an STD test shows on insurance (the EOB), how to test anonymously, and self-pay options that leave no insurance trail don’t change by location.
Learn more about confidential STD testing in IndianaSource: Guttmacher Institute, Minors' Access to STI Services; CDC, Legal Status of Expedited Partner Therapy. General information, not legal advice.
Good to Know
Answers to the questions people ask most before getting tested.
Yes, several local labs offer same-day walk-in testing; best to call first.
Yes, Medicaid typically covers it.
Public clinics serve people without insurance, often on a sliding scale.
A full panel typically covers chlamydia, gonorrhea, syphilis, HIV, and hepatitis B and C.
Adams County reported ~119 chlamydia cases per 100,000 in 2023, below the Indiana average.
In Indiana, people under 18 can consent to confidential STD testing and treatment on their own.
Telling recent partners lets them test and treat; many health departments offer confidential partner-notification help.
Little prep is needed, bring an ID and insurance if you have it, and note your exposure dates and any symptoms; for a urine test, avoid peeing for about an hour beforehand.
Clinics give immediate care and treatment; home kits win on convenience and discretion. Either works.
Pregnancy screening is standard; ask about an early-pregnancy STI panel.
Have a different question? Browse the full STD & STI FAQ library, every question we answer, in one place.