Find a Cigna therapist in Lutz, FL
Book a therapist or psychiatrist in Lutz, FL covered by Cigna


Top Cigna-covered therapists and psychiatrists in Lutz, FL
Access mental health support through Cigna in Lutz with flexible scheduling and an average savings of 75% on sessions. Our providers offer free consultations and can meet you as soon as next day.
I work with individuals and couples who are functioning on the outside but feel stuck, overwhelmed, or disconnected in their relationships. I especially enjoy working with men who want a straightforward approach, couples ready for real change, and women who tend to overfunction and feel exhausted by it.
I am a warm and empathetic individual that has specialties in addiction, men's issues, and grief. I have a Master in Mental Health from Keiser University and have been working in my specialties for the last 5 years.
I believe therapy works best when clients feel safe, supported, and genuinely understood. My approach is warm, collaborative, and nonjudgmental, and I strive to create a space where clients can openly explore their thoughts, emotions, and experiences at their own pace.
I understand that reaching out for help can feel vulnerable, and I value the trust my clients place in me. I work to meet each person where they are while helping them build insight, coping skills, resilience, and confidence. I believe in balancing empathy and validation with practical tools and strategies that support meaningful and lasting change.
Clients often describe me as compassionate, approachable, calming, and easy to talk to. I utilize evidence-based approaches including CBT, DBT, mindfulness, and trauma-informed care, while tailoring treatment to each client’s individual needs and goals.
If you're feeling overwhelmed by anxiety, struggling with depression, carrying the weight of past trauma, or finding yourself stuck in relationship patterns that no longer serve you, you're not alone. Many of my clients come to therapy feeling emotionally exhausted, disconnected from themselves, or unsure how to move forward. Others are navigating grief, family challenges, relationship concerns, or major life transitions that leave them feeling disconnected from themselves.
As a Licensed Mental Health Counselor, I provide a warm, supportive space where you can openly explore your thoughts, emotions, and experiences without fear of judgment. My goal is to help you better understand what's contributing to your current struggles, build on your strengths, and develop practical tools that support healing, confidence, and meaningful change.
I am a licensed clinical social worker. I have worked in mental health for 10 years including substance abuse facility and private practice. I want to work with you to empower yo to navigate your emotional landscape and develop coping strategies that foster resilience and personal growth.
I have worked with clients from ages 3 through 80 and with individuals, couples, and families. With that breadth of experience, very little shocks or surprises me, and I am able to develop an individualized approach for each client, combining therapy modalities that play to my strengths as a counselor and that are helpful for the people I’m working with.
Three principles shape all the counseling I do:
- Counseling should be efficient. Counseling has significant costs in time and money. I think the benefits far outweigh the costs but when I can give you the benefits while helping you save on the costs I will do that. So I choose approaches to counseling (like EMDR and EFT) that generally work more quickly. That being said, I don’t want to you to feel better for three to six months and then need counseling again because we only worked on symptom relief and didn’t bring healing to the underlying causes. That doesn’t seem very efficient to me. So my goal is to provide as long-lasting and complete help as possible in as little time as possible.
- The client is always in charge. People are complex and come with years of history that I can never know all of. I know a lot of things but you will always be the one who decides what you want to get out of counseling, how we work towards that goal, whether or not what we’re doing seems to be working, and when we’re done.
- Change and health happen through relationships. The work we do in counseling will touch on how your relationships impact your health. No matter what you come in for, there are always relational implications of change and relational factors that contribute to whatever it is that you came to counseling to change. Change can only happen in counseling because of our relationship. It’s my responsibility to make our relationship a place where you feel heard and accepted.
Karina Oquendo Cuevas
Psychiatric Mental Health NP
Virtual & in-person • 11 mi away • Wesley Chapel, FL
What type of therapy does Cigna cover?
Cigna plans can vary, but many cover a range of therapy types. Below are some common options that may be included in your coverage.
Frequently asked questions


Affordable care that fits you — and your Cigna plan
Headway makes it easy to get affordable in-network mental health care with Cigna — from finding the right therapist or psychiatrist, to understanding costs, to booking your first session.
Use left and right arrow keys to switch tabs. Press Shift+Tab to return to the tab list from links in the selected tab.








































