Explore the types of coverage we offer.

Pamela and her staff are always knowledgeable, helpful and efficient.

The best health insurance assistance service out there! Pam has been my agent for years. I totally trust her and know that the insurance she finds me will... read more be the best one I can get. She is smart and kind and fun to work with. Medication prices can be a big deal so knowing that Pam has worked with every plan out there and knows which one would be best for me is a huge relief and ever so helpful.

Every time I call I get a response I clearly understand, and if I don't a friendly voice on the other end of the line kindly walks me through clarifying... read more my questions. I find the strategies and questions asked by Pam and her staff get to the heart of the matter at hand. I also feel this business reminds me of the ones I grew up with, people are kind, respectful, knowledgable, have a good work ethic, and most importantly trustworthy. It's been my pleasure to share Pam's business with family and family of friends.

I love this company. Pam is so knowledgeable and I trust her 100% I highly recommend this company She knows things I could never dream of!

Just WONDERFUL ......RECOMMENDED .,.. Kevin M.

Review for Pam Fugitt-Hetrick LUTCF from Dan and Judy Phillips This is a big "shout-out" for her impeccable insurance service for many years! She has always found us the best... read more deals that suit our needs to a big "T"! We encourage all our friends to avail themselves of her personal service! Sincerely, Dan and Judy

I highly recommend DCD and Pam, especially, for Insurance needs. They are local and understand our area and my needs. Thank you.

The team at DCD was professional, courteous, attentive and detailed. They addressed my health insurance needs efficiently and relieved me of stress about my coverage. I would recommend them in... read more a heartbeat!

I have worked with Pamela at DCD since moving to Santa Cruz six years ago. She offers options and recommendations and will even refer you to sign-up directly for Part... read more D if it's in your best interest financially and coverage-wise. I highly recommend Pamela at DCD.

Pamela and her team are the best. They do the extra work in helping my husband and I find the best Medicare supplement plans and they assist us in navigating... read more the annual changes to the Medicare Part D prescription plans. We've saved so much money! Thank you DCD Financial & Insurance Services!

Pamela was excellent! She guided us through my initial Medicare and prescription enrollment. She helped my husband save a lot of money by changing his current prescription plan. She was patient and... read more knowledgeable. I will highly recommend her to anyone new to Medicare or anyone looking for help with Medicare. The whole entire office was helpful as well.

Pam and her team work diligently to get the best options for my Medicare drug plan. Annually they request information for price comparisons in November, they call at your appointment... read more time and you get to talk to a live person. I never worry about my new enrollments.