We're getting closer. I've looked at a lot of different pics of Monarda punctata and they all seem to have white to pale yellow tubular flowers with well spaced spots. I took this pic this morning and the one tube opening has so many spots I first thought it was a dark pink tube until I looked closer.
So it's probably a spotted bee balm of some kind. Let's call it "case closed" and thanks for all the help, people!