Online Therapy In Indiana| Individual| Couples Counseling| Anxiety| ADHD

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Lugo Counseling Services

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FAQ

What is the Cost

Fees
• Individual therapy (50 minutes): $135
• Couples therapy (50 minutes): $135
• Sliding scale: limited spots—ask if this would help you start care
• Payment: HSA/FSA, major credit/debit cards, ACH, Zelle
• Cancellation: Please give 24 hours’ notice to avoid a late fee

Insurance
In‑network plans currently accepted: Aetna, Anthem (Blue Cross/Blue Shield of Indiana), Carelon Behavioral Health, Cigna/Evernorth, Quest Behavioral Health, and more. Set a fee consultation to find out more

Service area
Online therapy for clients anywhere in Indiana. Indianaplis, Bloomington, South Bend (LMHC license #39000616A). Sessions are provided by secure telehealth.

Do you take my insurance?

Possibly. I’m in‑network with Aetna, Anthem (BCBS of Indiana), Carelon Behavioral Health, Cigna/Evernorth,  Quest Behavioral Health and many more. If r you prefer not to use insurance, many clients use HSA/FSA funds or self‑pay. I can also submit a superbill if you are out of network for reimbursement.

How does telehealth billing work?

You’ll keep a secure card on file. If you’re using insurance, I’ll submit claims on your behalf; you’ll see your copay/coinsurance charged after the insurer processes the claim. For self‑pay, the $135 fee is charged on the day of service. You can use Visa/Mastercard/AmEx/ HSA/FSA.  A limited number of sliding scale fee spots are available if you qualify.

I’m out‑of‑network. Can I still work with you?

Yes. I can provide a superbill so you can request reimbursement from your insurer. Many clients with PPO plans receive partial reimbursement, check your out‑of‑network mental health benefits.

Do you offer a sliding scale or packages?

Yes—limited sliding‑scale slots are available. Let me know if cost is the main barrier and we’ll look at options. I don’t require long‑term packages; we’ll set a cadence that fits your goals and budget.

Are you ready to find out more?

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