Explore the types of coverage we offer.

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

Pamela has been helping my husband and I with our Medicare choices for 7 and 6 years respectively. We have been very happy with her guidance. Pamela’s up-to-date knowledge about... read more options, and her dry sense of humor, have made navigating our health care choices relatively painless and occasionally fun!

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!

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??

DCD Financial has always be professional and well informed in all aspects of health insurance information for their clients. I highly recommend them to people (especially seniors) who are... read more is looking for a health insurance plan that fits their budget and life style. DCD Financial makes my life less stressful when it comes time to renew my health insurance. I will always consult them when it comes to my health insurance questions or concerns. 😉👌

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!

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

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.

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.

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!

I highly recommend Pamela and the staff at DCD Financial & Insurance Services. I approached their office for help several years ago as I tried to sift through the... read more options as a new medicare client. With their guidance I was able to design a coverage package that met my health and financial needs. Each year the office reaches out to evaluate my current needs and balance them against the current insurance options available. They even guide me through the application process. I don't know how people navigate this process without DCD. I am grateful to them.