Dr. Cara D. Pence
- Gender: Female
- Experience: 16 years
- Graduated from: University Of Oklahoma College Of Medicine
- Graduation year: 2005
- Sole propriator: No
- NPI: 1467502138
Dr. Cara D. Pence M.D.
Surgeon
She is located at 1301 West 6th Avenue Suite 105 in Stillwater, OK 74074. Can help patients with the following: Anal Fissure, Appendicitis, Cyst, Hemorrhoids, Inflammatory Bowel Disease (IBD), Lymphedema. Her National Provider Identifier (NPI) number is 1467502138. Appointment can be made via the phone number (405) 533-1074. She also has a website where you can get more information. The website can be found at https://www.stillwater-medical.org/patient-resources/providers-directory/cara-pence-md. She is affiliated with 2 practices and 3 hospitals.
Conditions treated
Dr. Cara Denise Pence, being an surgeon, treats the following conditions. Please be advised that this list may not be complete. For the full list of conditions treated, consult directly with Dr. Cara D. Pence.
- Achalasia
- Anal Fissure
- Appendicitis
- Boils
- Cancer
- Colon Cancer
- Crohn's Disease
- Cyst
- Diverticulosis
- Enlarged Spleen
- Esophageal Cancer
- Gallstones
- Gangrene
- Heart Disease
- Hemorrhoids
- Hernia
- Inflammatory Bowel Disease (IBD)
- Lymphedema
- Pancreatitis
- Peptic Ulcer
- Pilonidal Cyst
- Sebaceous Cyst
- Ulcerative Colitis
Procedures Performed by Dr. Cara D. Pence
ACA Marketplace (Obamacare/HealthCare.gov) plan networks
Insurers selling ACA Marketplace (HealthCare.gov) plans list Dr. Cara D. Pence as in-network for the following 2026 plans.
Health plans
CommunityCare
Network data as of Aug 19, 2026, as reported by the insurer.
Show all 10 plans from CommunityCare
| Plan | Plan type | Network tier | New patients |
|---|---|---|---|
| CommunityCare Bronze IH223 | HMO · Expanded Bronze | Preffered | Accepting new patients |
| CommunityCare Bronze IH224 | HMO · Expanded Bronze | Preffered | Accepting new patients |
| CommunityCare Catastrophic | HMO · Catastrophic | Preffered | Accepting new patients |
| CommunityCare Expanded Bronze Standardized | HMO · Expanded Bronze | Preffered | Accepting new patients |
| CommunityCare Gold IH221 | HMO · Gold | Preffered | Accepting new patients |
| CommunityCare Gold L21 | HMO · Gold | Preffered | Accepting new patients |
| CommunityCare Gold Standardized | HMO · Gold | Preffered | Accepting new patients |
| CommunityCare Silver L21 | HMO · Silver | Preffered | Accepting new patients |
| CommunityCare Silver SLIH223 | HMO · Silver | Preffered | Accepting new patients |
| CommunityCare Silver Standardized | HMO · Silver | Preffered | Accepting new patients |
Medica
Network data as of Jul 2, 2026, as reported by the insurer.
Show all 18 plans from Medica
| Plan | Plan type | Network tier | New patients |
|---|---|---|---|
| Harmony by Medica Bronze $0 Copay PCP Visits | PPO · Expanded Bronze | Preferred | Accepting new patients |
| Harmony by Medica Bronze $0 Copay PCP Visits + Adult Eye Exam | PPO · Expanded Bronze | Preferred | Accepting new patients |
| Harmony by Medica Bronze Premier | PPO · Expanded Bronze | Preferred | Accepting new patients |
| Harmony by Medica Bronze Premier + Adult Eye Exam | PPO · Expanded Bronze | Preferred | Accepting new patients |
| Harmony by Medica Expanded Bronze Standard | PPO · Expanded Bronze | Preferred | Accepting new patients |
| Harmony by Medica Expanded Bronze Standard + Adult Eye Exam | PPO · Expanded Bronze | Preferred | Accepting new patients |
| Harmony by Medica Gold $0 Copay PCP Visits | PPO · Gold | Preferred | Accepting new patients |
| Harmony by Medica Gold $0 Copay PCP Visits + Adult Eye Exam | PPO · Gold | Preferred | Accepting new patients |
| Harmony by Medica Gold Share | PPO · Gold | Preferred | Accepting new patients |
| Harmony by Medica Gold Share + Adult Eye Exam | PPO · Gold | Preferred | Accepting new patients |
| Harmony by Medica Gold Standard | PPO · Gold | Preferred | Accepting new patients |
| Harmony by Medica Gold Standard + Adult Eye Exam | PPO · Gold | Preferred | Accepting new patients |
| Harmony by Medica Silver $0 Copay PCP Visits | PPO · Silver | Preferred | Accepting new patients |
| Harmony by Medica Silver $0 Copay PCP Visits + Adult Eye Exam | PPO · Silver | Preferred | Accepting new patients |
| Harmony by Medica Silver Share | PPO · Silver | Preferred | Accepting new patients |
| Harmony by Medica Silver Share + Adult Eye Exam | PPO · Silver | Preferred | Accepting new patients |
| Harmony by Medica Silver Standard | PPO · Silver | Preferred | Accepting new patients |
| Harmony by Medica Silver Standard + Adult Eye Exam | PPO · Silver | Preferred | Accepting new patients |
Mending Health
Network data as of Sep 10, 2026, as reported by the insurer.
Show all 6 plans from Mending Health
| Plan | Plan type | Network tier | New patients |
|---|---|---|---|
| MENDING Direct Primary Care Bronze 4950 ($0 DPC + $0 PCP + $0 Mental Health) | HMO · Expanded Bronze | Preferred | Accepting new patients |
| MENDING Direct Primary Care Gold $0 Ded ($0 DPC $0 PCP + $0 Mental Health) | HMO · Gold | Preferred | Accepting new patients |
| MENDING Direct Primary Care Silver 2300 ($0 DPC + $0 PCP + $0 Mental Health) | HMO · Silver | Preferred | Accepting new patients |
| MENDING Standard Bronze (No Direct Primary Care, for DPC select DPC Bronze) | HMO · Expanded Bronze | Preferred | Accepting new patients |
| MENDING Standard Gold (No Direct Primary Care, for DPC select DPC Gold) | HMO · Gold | Preferred | Accepting new patients |
| MENDING Standard Silver (No Direct Primary Care, for DPC select DPC Silver) | HMO · Silver | Preferred | Accepting new patients |
UnitedHealthcare
Network data as of Sep 16, 2026, as reported by the insurer.
Show all 13 plans from UnitedHealthcare
| Plan | Plan type | Network tier | New patients |
|---|---|---|---|
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | HMO · Expanded Bronze | Non Preferred | Accepting new patients |
| UHC Bronze Essential (No Referrals) | HMO · Bronze | Non Preferred | Accepting new patients |
| UHC Bronze Standard (No Referrals) | HMO · Expanded Bronze | Non Preferred | Accepting new patients |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) | HMO · Expanded Bronze | Non Preferred | Accepting new patients |
| UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals) | HMO · Gold | Non Preferred | Accepting new patients |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | HMO · Gold | Non Preferred | Accepting new patients |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | HMO · Gold | Non Preferred | Accepting new patients |
| UHC Gold Standard (No Referrals) | HMO · Gold | Non Preferred | Accepting new patients |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | HMO · Silver | Non Preferred | Accepting new patients |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) | HMO · Silver | Non Preferred | Accepting new patients |
| UHC Silver Standard (No Referrals) | HMO · Silver | Non Preferred | Accepting new patients |
| UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | HMO · Silver | Non Preferred | Accepting new patients |
| UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) | HMO · Silver | Non Preferred | Accepting new patients |
This covers ACA Marketplace plans only, as reported by each insurer. It does not include employer, Medicare Advantage, or state-run exchange plans, and a plan missing from this list does not mean Dr. Cara D. Pence is out of network. Insurer directories can be out of date, so always confirm with the insurer and the office before your visit.
Medicare Enrollment
Dr. Cara D. Pence is enrolled to bill Medicare as a Practitioner - General Surgery .
Bills through: Stillwater Medical Center Authority
Based on Medicare's public enrollment records as of Jul 17, 2026. This reflects Medicare fee-for-service enrollment only and says nothing about other insurance, quality, outcomes, or board certification.
Payments received
Drug payment
| Intuitive Surgical | $1527 |
| Organogenesis | $682 |
| Smith \u0026 Nephew | $219 |
Other
| Food and Beverage | $1730 |
| Travel and Lodging | $1103 |
| Other | $14 |
Studies
UNIVERSITY OF OKLAHOMA COLLEGE OF MEDICINE
Graduated in 2005Other ways to reach out
- Website: https://www.stillwater-medical.org/patient-resources/providers-directory/cara-pence-md
- Email Now:
Affiliated hospitals
Looking for more Surgeons?
There are 7 other surgeons in this region.
- Gender: Male
- Address: 511 Windsor Dr Stillwater, 74074, OK
- Gender: Male
- Address: Suite 105 1301 West 6th Avenue Stillwater, 74074, OK
- Gender: Male
- Address: 511 Windsor Dr Stillwater, 74074, OK
- Gender: Male
- Address: Suite 105 1301 West 6th Ave Stillwater, 74074, OK
- Gender: Male
- Address: 511 Windsor Dr Stillwater, 74074, OK
- Gender: Female
- Address: Suite 105 1301 West 6th Ave Stillwater, 74074, OK
- Gender: Female
- Address: Suite 105 1301 W 6th Ave Stillwater, 74074, OK
Questions & Answers
What conditions does Dr. Cara Denise Pence treat?
Dr. Cara Denise Pence provides treatment for Anal Fissure, Appendicitis, Cyst, Hemorrhoids, Inflammatory Bowel Disease (IBD), Lymphedema. For the full list see this list.
Where can you meet with Dr. Cara Denise Pence?
Dr. Cara Denise Pence's office is located at 1301 West 6th Avenue Suite 105 in Stillwater, OK 74074.
Does Dr. Cara Denise Pence have affiliation with practices?
Dr. Cara Denise Pence is affiliated with Stillwater Medical Home Health. For the full list of practices see this list.
Does Dr. Cara Denise Pence accept patients with CommunityCare?
Yes, Dr. Cara Denise Pence is listed in-network for CommunityCare through the ACA Marketplace (Obamacare/HealthCare.gov). See the Marketplace plans section for details.
Has Dr. Cara Denise Pence affiliation with hospitals?
Dr. Cara Denise Pence is affiliated with BLACKWELL REGIONAL HOSPITAL. For the full list of hospitals see this list.