JoyUs Beginnings utilizes Paypal to process all credit card payments. There is a nominal fee added to your payment which covers processing charges. All copays and out-of-pocket payments are due the day services are rendered. No exceptions. We do not accept checks. JoyUs Beginnings accepts several insurance plans. However, it is your responsibility to ensure that services are covered by your plan. We will attempt to bill services on your behalf up to two times. If services are denied, you will be financially responsible for your sessions. Insurances accepted include: Blue Cross/Blue Shield, Amerigroup, Wellcare, PeachState, Magellan, Aetna, Cigna, MHN. We are also EAP providers with EAP, Inc. Cigna, and Aetna.