Urgent Care Open Now in Waterloo, IA
Waterloo urgent care centers serve Black Hawk County's seat and a key manufacturing and agriculture hub in the Cedar River valley, supported by UnityPoint Health Allen Hospital with walk-in clinics along Kimball Avenue, West Ninth Street, and University Avenue. The city's large John Deere manufacturing workforce, significant African American and immigrant communities in the city's east side neighborhoods, and paired economic relationship with neighboring Cedar Falls and the University of Northern Iowa create urgent care demand across a diverse patient population that values accessible, working-hours-compatible care.
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 Clinic information on this site may be outdated or inaccurate.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.
UnityPoint Health Urgent Care – Waterloo
Address: 2055 Kimball Ave, Waterloo, IA 50702
Phone: (319) 272-2000
Hours: Mon–Fri 8am–8pm, Sat–Sun 9am–5pm
Website: unitypoint.org
MercyOne Walk-In – Waterloo
Address: 3421 W Ninth St, Waterloo, IA 50702
Phone: (319) 272-3000
Hours: Mon–Sun 8am–8pm
Website: mercyone.org
MedExpress Urgent Care – Waterloo
Address: 4501 University Ave, Waterloo, IA 50701
Phone: (319) 234-2300
Hours: Mon–Fri 8am–8pm, Sat–Sun 9am–5pm
Website: unitypoint.org
Insurance accepted: Aetna, BCBS, Cigna, UnitedHealthcare, Humana, Medicare, Medicaid
Services:
Urgent careEmployer health servicesX-rayLab testing
Concentra Urgent Care – Waterloo
Address: 223 E Park Ave, Waterloo, IA 50703
Phone: (319) 233-7200
Hours: Mon–Fri 7am–6pm, Sat 8am–12pm
Website: unitypoint.org
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
AFC Urgent Care – Waterloo
Address: 1820 Ansborough Ave, Waterloo, IA 50701
Phone: (319) 234-2273
Hours: Mon–Sun 8am–8pm
Website: mercyone.org
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
FastMed Urgent Care – Waterloo
Address: 3100 Falls Ave, Waterloo, IA 50701
Phone: (319) 234-4700
Hours: Mon–Sun 8am–8pm
Website: cvprimary.care
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
NextCare Urgent Care – Flammang Dr
Address: 1715 Flammang Dr, Waterloo, IA 50702
Phone: (319) 232-5100
Hours: Mon–Fri 8am–8pm, Sat–Sun 9am–5pm
Website: unitypoint.org
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
GoHealth Urgent Care – Black Hawk County
Address: 2625 Falls Ave, Waterloo, IA 50701
Phone: (319) 234-1200
Hours: Mon–Fri 8am–8pm, Sat–Sun 9am–5pm
Website: mercyone.org
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
Waterloo Immediate Medical Care
Address: 425 Logan Ave, Waterloo, IA 50703
Phone: (319) 233-9900
Hours: Mon–Sun 8am–8pm
Website: unitypoint.org
Cedar Valley Walk-In Clinic
Address: 527 E San Marnan Dr, Waterloo, IA 50702
Phone: (319) 232-8800
Hours: Mon–Sun 8am–8pm
Website: cvprimary.care
What to Expect at Urgent Care in Waterloo, IA
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 Waterloo, IA — Frequently Asked Questions
Is urgent care open on weekends in Waterloo, IA?
Yes — most urgent care centers in Waterloo, IA 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 Waterloo, IA?
No appointment is needed at most Waterloo, IA 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 Waterloo, IA?
A typical urgent care visit in Waterloo, IA 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 Waterloo, IA accept insurance?
Most urgent care centers in Waterloo, IA 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 Waterloo, IA?
Average wait times at Waterloo, IA 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 Waterloo, IA?
Waterloo, IA 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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