She accepts several insurance carriers, including Blue Cross Blue Shield EPO, Blue Cross Blue Shield Bronze, and Blue Cross Blue Shield HMO. Dr. Lugo Ruiz graduated from Ibero-American University (UNIBE). For her professional training, Dr. Lugo Ruiz completed a residency program at Morristown Memorial Hospital. She is conversant in Spanish. Dr. Lugo Ruiz's hospital/clinic affiliations include St. Anthony's Hospital, BayCare Physician Partners, and Suncoast Medical Clinic.