Urgent Care Open Now in St. Charles, MO
St. Charles is a historic riverfront city and one of the fastest-growing counties in the greater St. Louis region, served by SSM Health St. Joseph Hospital and BJC HealthCare with urgent care locations along Zumbehl Road, Harry Truman Boulevard, and First Capitol Drive. The city's booming residential growth, expanding business parks, and role as the primary commercial hub for St. Charles County's large population make it a high-traffic urgent care market.
Filter clinics:
⚠️Always call ahead to verify hours and availability. Clinic information on this site may be outdated or inaccurate. Do not rely solely on this listing — confirm directly with the clinic before visiting. For medical emergencies, call 911.
ℹ️Insurance: Most urgent care centers accept major PPO/HMO plans, Medicare, and Medicaid. Coverage varies — call the clinic directly to confirm your plan is accepted before your visit.
SSM Health Urgent Care – St. Charles
Address: 3990 Elm St, St. Charles, MO 63301
Phone: (636) 946-5000
Hours: Mon–Fri 8am–8pm, Sat–Sun 9am–5pm
Website: getcare.ssmhealth.com
Insurance accepted: Most major insurance, Medicare, Medicaid
Services:
Urgent careLab testingX-rayVirtual care
BJC Medical Group Urgent Care – St. Charles
Address: 1 Boone's Lick Rd, St. Charles, MO 63301
Phone: (636) 946-6000
Hours: Mon–Fri 8am–8pm, Sat–Sun 9am–5pm
Website: bjc.org
AFC Urgent Care – St. Charles
Address: 2051 Zumbehl Rd, St. Charles, MO 63303
Phone: (636) 724-2000
Hours: Mon–Fri 8am–8pm, Sat–Sun 9am–5pm
Website: gohealthuc.com
Insurance accepted: Aetna, BCBS, Cigna, UnitedHealthcare, Humana, Medicare, Medicaid
Without insurance: $100–$175 typical visit (varies by location)
Ages served: All ages
✓ Online check-in✓ Telehealth available
Services:
Urgent careOccupational healthDOT physicalsDrug testingX-rayLab testingTelehealth
NextCare Urgent Care – St. Charles
Address: 3801 Harry S Truman Blvd, St. Charles, MO 63301
Phone: (636) 724-3300
Hours: Mon–Fri 8am–8pm, Sat–Sun 9am–5pm
Website: totalaccessurgentcare.com
Insurance accepted: Aetna, BCBS, Cigna, UnitedHealthcare, Humana, Medicare, Medicaid
Without insurance: $100–$200 typical visit; $65 virtual visit; discount program $39/visit
Ages served: All ages
✓ Online check-in✓ Telehealth available
Services:
Urgent carePhysicalsX-rayLab testingTelehealthSports medicine
Concentra Urgent Care – St. Charles
Address: 1900 First Capitol Dr, St. Charles, MO 63301
Phone: (636) 724-7100
Hours: Mon–Fri 7am–6pm, Sat 8am–12pm
Website: concentra.com
Insurance accepted: Most major insurance, Workers' comp, Medicare
Ages served: 2 and older
✓ Online check-in
Services:
Occupational healthWorkers' compDOT physicalsDrug & alcohol testingUrgent careX-rayPhysical therapy
MedExpress Urgent Care – St. Charles
Address: 2800 Veterans Memorial Pkwy, St. Charles, MO 63303
Phone: (636) 724-8800
Hours: Mon–Fri 8am–8pm, Sat–Sun 9am–5pm
Website: getcare.ssmhealth.com
Insurance accepted: Aetna, BCBS, Cigna, UnitedHealthcare, Humana, Medicare, Medicaid
Services:
Urgent careEmployer health servicesX-rayLab testing
GoHealth Urgent Care – St. Charles
Address: 4200 Mid Rivers Mall Dr, St. Charles, MO 63304
Phone: (636) 724-6600
Hours: Mon–Fri 8am–8pm, Sat–Sun 9am–5pm
Website: gohealthuc.com
Insurance accepted: Aetna, BCBS, Cigna, UnitedHealthcare, Humana, Medicare, Medicaid
Ages served: All ages
✓ Online check-in✓ Telehealth available
Services:
Urgent careVirtual careX-rayEKGLab testingOccupational health
FastMed Urgent Care – St. Charles
Address: 1100 Cave Springs Blvd, St. Charles, MO 63303
Phone: (636) 724-9900
Hours: Mon–Fri 8am–8pm, Sat–Sun 9am–5pm
Website: totalaccessurgentcare.com
Insurance accepted: Aetna, BCBS, Cigna, Humana, Medcost, Medicare, Medicaid, TRICARE
Without insurance: ~$199 base visit (varies by service)
Ages served: All ages
✓ Online check-in✓ Telehealth available
Services:
Urgent careOccupational healthSports physicalsVaccinationsX-rayLab testing
SSM Health Express Care – St. Charles
Address: 900 Jungermann Rd, St. Charles, MO 63303
Phone: (636) 724-4400
Hours: Mon–Sun 8am–8pm
Website: getcare.ssmhealth.com
St. Charles Clinic Urgent Care
Address: 3400 Elm St, St. Charles, MO 63301
Phone: (636) 724-5500
Hours: Mon–Sun 8am–8pm
Website: totalaccessurgentcare.com
What to Expect at Urgent Care in St. Charles, MO
Typical Cost
$100–$200
Without insurance for a basic exam. X-rays, labs, or stitches add to the total. Many clinics post self-pay rates online.
Average Wait
15–45 min
Weekday mornings tend to be the shortest. Use online check-in where available to hold your spot before you arrive.
What to Bring
ID & Insurance Card
Photo ID, insurance card, and a list of current medications and known allergies. Most clinics also accept walk-ins without prior paperwork.
When to Go to the ER
Chest pain, stroke signs, or major trauma
Urgent care is for non-life-threatening conditions only. For emergencies, call 911 or go directly to the nearest emergency room.
Urgent Care in St. Charles, MO — Frequently Asked Questions
Is urgent care open on weekends in St. Charles, MO?
Yes — most urgent care centers in St. Charles, MO are open on Saturdays and Sundays, typically from 8am to 8pm. Some locations have reduced Sunday hours, so check the listings above for exact weekend hours at each clinic.
Do I need an appointment for urgent care in St. Charles, MO?
No appointment is needed at most St. Charles, MO urgent care centers. Walk-ins are welcome at all locations listed above. Some clinics offer online check-in so you can hold your spot before you arrive and reduce your wait time.
How much does urgent care cost in St. Charles, MO?
A typical urgent care visit in St. Charles, MO costs between $100 and $200 without insurance for a basic exam. Additional services such as X-rays, lab tests, or stitches will increase the total. Most clinics will provide a cost estimate when you call, and many post self-pay rates on their website.
Does urgent care in St. Charles, MO accept insurance?
Most urgent care centers in St. Charles, MO accept major insurance plans including commercial insurance, Medicare, and Medicaid. Coverage and copays vary by plan and location, so call ahead to confirm your insurance is accepted before your visit.
What is the wait time at urgent care in St. Charles, MO?
Average wait times at St. Charles, MO urgent care centers are typically 15 to 45 minutes, though this varies by location and time of day. Early morning visits and weekday mornings tend to have the shortest waits. Using online check-in where available can also reduce your time in the waiting room.
What can urgent care treat in St. Charles, MO?
St. Charles, MO urgent care centers treat a wide range of non-life-threatening conditions including colds, flu, infections, minor injuries, rashes, UTIs, and more. Many locations also provide X-rays, lab work, and vaccinations. For chest pain, difficulty breathing, or other emergencies, go to the nearest ER or call 911.
Urgent Care Guides & Resources
ER vs. Urgent Care — Which Should You Choose?How Much Does Urgent Care Cost?Walk-In vs. Appointment — What to KnowUrgent Care for Flu & ColdUrgent Care for Strep ThroatUrgent Care for UTIsUrgent Care for Pink EyeUrgent Care for Ear InfectionsUrgent Care for Cuts & StitchesUrgent Care for Sprained AnklesUrgent Care for Fever in ChildrenDOT Physicals at Urgent CareSTD Testing at Urgent CareIV Hydration TherapyPediatric Urgent Care for KidsSports Injury & Orthopedic CareOccupational Health & Drug Testing
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