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Very professional and did a great job of presenting choices in an understandable manner.

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!

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.

Pamela has been our "Amazing" Agent for several years now. She has always gone above and beyond being kind, friendly, helpful and very knowledgeable explaining our options thoroughly. She helps us by... read more walking us through the enrollment process of making the right choice in choosing the Medicare supplemental and drug plan that is suitable for us. We appreciate the lead time and prompt replies. My husband and I highly recommend DCD Financial & Insurance Services. Thank you SO much Pamela for always being there and looking out for us. You and you staff are exceptional??

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.

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

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!

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.

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've had the pleasure of collaborating with Pamela Fugitt-Hetrick of DCD Financial & Insurance Services for several years regarding my small business insurance needs. After previous experiences with agents that... read more fell short of my expectations, finding Pam has been a breath of fresh air. She stands out as a beacon of professionalism, providing precise and well-informed advice. Her availability and readiness to assist whenever I need her support is something I deeply appreciate. Pam's expertise is matched by her kindness, making every interaction a positive experience. I wholeheartedly recommend her services to anyone in need of reliable and compassionate insurance guidance.

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

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!