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Pam keeps me on track. She saves me from hours of complex and confusing research. She knows my circumstances, she knows Santa Cruz's resources, and she can match them up.... read more She's like a symphony conductor who knows the score.

My experience has been with Pam. She is so responsive, helpful, and knowledgeable about insurance, and what fits your needs. She's very down to earth and good at explaining what... read more can be a confusing and overwhelming subject. I highly recommend her!

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 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!

Many thanks for clear, timely help along with good strategies for saving money while getting the health insurance I need. You are the best!!

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

Working with Medicare plans is overwhelming. I had a friend recommend Pam at DCD Insurance when I had no knowledge of where to even look. After 14 years of experience,... read more it's been great to have someone staying on top of things, and recommending coverage that suits my particular situation. I would certainly recommend DCD to anyone.

Pam has been keeping us in appropriate health insurance for years! She makes sure we know what changes are coming up before our appointment, then walks us through what those... read more changes mean to us, without overwhelming us with too much information. She is totally prepared every time we meet, and we're quickly enrolled as needed. Pam takes the anxiety out of MediCare and all of it's surrounding details!

Pam put a quick end to the confusion and frustration commonly experienced when entering the world of Medicare. She readily made the options clear and calmed all my confused --... read more all the while patient with my "but...but..." No pressure, no judging, no urgency. Pam provided simplified information and, at my own pace, let me filter her clarity through my confusion. And wow - with what she presented I wondered how and why it had to be so hard in the first place. I felt confident about my plan decisions. I am very grateful Pam!

Pam is the best! Very professional & educated on the all the ins and outs of Medicare Insurance benefits. I appreciate her keeping in touch via emails with... read more important information. She & her team are so helpful in searching for the best coverage during open enrollment times. I have already recommended (& will continue to do so) several friends to her and they love her customer service too. I would use DCD and Pam's team for any other insurance needs as well. Thank you!

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.