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.
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.
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.
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.
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.
Lugo Counseling Services
If you have a mental health emergency call 988
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