Patient, experienced, knowledgeable and funny. Pam is able to present the information so it is understood (although maybe not retained!). Thanx ... read more

Patient, experienced, knowledgeable and funny. Pam is able to present the information so it is understood (although maybe not retained!). Thanx much!

Pam was really helpful!

Pam looks out for her clients and is quick to find the best plan with coverage that matches our needs. If and when we need to change plan , not a ... read more

Pam looks out for her clients and is quick to find the best plan
with coverage that matches our needs. If and when we need to
change plan , not a problem, she makes it seem simple!
Kudos to DCD!
Susan J Hampton

Pam always works diligently for our family health insurance. She is very responsive and wonderful to work with. Thank you Pam!

Pamela was extremely helpful in helping me understand the various aspects of the Medicare sign-up process and when I need to decide my options for ... read more

Pamela was extremely helpful in helping me understand the various aspects of the Medicare sign-up process and when I need to decide my options for additional insurance.

I was overjoyed on how simple and quick my visit was. Pamela was friendly, informative and professional with a dash of humor. HIGHLY recommend.

Excellent! Pamela Fugitt-Hetrick was easy to deal with, flexible in scheduling an appointment and knowledgeable with the product - which is a some... read more

Excellent! Pamela Fugitt-Hetrick was easy to deal with, flexible in scheduling an appointment and knowledgeable with the product - which is a somewhat daunting task for me in looking at all of this. The services look to be a good firm.

j savage

Very helpful, thanks

Very informative. I would highly recommend Pamela.

Ayde made it easy and quick. Thank you.

Perfect! Thank you Pam.

As always the information needed to understand changes to insurance from year to year.

Excellent meeting (as always). Pam is extremely knowledgeable and helps my wife and myself to make the yearly Medical Insurance enrollment decisio... read more

Excellent meeting (as always). Pam is extremely knowledgeable and helps my wife and myself to make the yearly Medical Insurance enrollment decisions. I am able to reach out to Pam outside of the annual enrollment meetings to get answers to my medical insurance question(s)...

Thank you! Grateful for Pam's insight and wisdom!

Pam is very knowledgeable!

Pam is very knowledgeable and efficient.

Pam is an amazing health insurance broker. Her in-depth knowledge, ability to clearly and concisely communication differences in health plans, and... read more

Pam is an amazing health insurance broker. Her in-depth knowledge, ability to clearly and concisely communication differences in health plans, and her assistance helped me choose the right plan. Reading and choosing health insurance coverage is stressful and Pam’s help is much appreciated. She’s organized. Pam contacts me each year to review which plans are best for my personal needs. Pam is a great agent and I have referred numerous friends. She has helped them navigate the mysteries of health insurance too.

Excellent experience!

I was in capable trustworthy hands, and knew it.

Pam's great! And patient with dullards like me.

Pam was on time, efficient and had all the knowledge/information on the various plans available to guide us through the right choice! Best decision... read more

Pam was on time, efficient and had all the knowledge/information on the various plans available to guide us through the right choice! Best decision we made going to DCD Financial!!

I think it went very well. Pam was extremely helpful in explaining things.

I felt confident that I got the information I needed to make a decision about my health insurance for 2020.

Pam was very professional & provided me with information l needed to determine which insurance would be best for me

Pam is always up to speed with thew latest and follows through.

Pam gave me comfort that the medicare insurance I had was a good fit for me.

exceeded all expectations!

Got just what I needed!

Pam answered all my questions knowledgeably and with good humor. I feel very well served by my new plan. Thank you!

On time and Pam is the best!

Pam does a great job! This stuff can get complicated and she is really good at understanding and explaining all of it!

I appreciate the direct and concise information.

Pam was friendly, funny, extremely knowledgeable and helpful. I was finally able to relax about the decision I needed to make.

Pamela is the best! Incredibly helpful and gives me all the information I need to make a solid decision. Even though she is incredibly busy right ... read more

Pamela is the best!
Incredibly helpful and gives me all the information I need to make a solid decision. Even though she is incredibly busy right now, she took the extra time to make sure my questions were answered and to make sure I was satisfied with the results of my visit.
I am very happy to be in the company of someone that knows this business extremely well..........Thank you!

Efficient and free. Doesn’t get better.

Pam is efficient and personable as well as well informed. A great experience!

Pam is my go-to person for health insurance. She has the expertise that I'm looking for.

Pam is extremely knowledgable, professional, attention to personal needs, and makes the whole annual medical insurance process easy.

Thank you for your help Pamela!

Pleasure to learn from you. Thanks for your patience .

Ayde was very knowledgeable and professional. She answered all of my questions and even made me aware of a new option that had become available on... read more

Ayde was very knowledgeable and professional. She answered all of my questions and even made me aware of a new option that had become available only recently. Excellent service!

Pam was most helpful in determining the best health care options for me. I appreciate and trust her expertise.

Appreciate working with Pamela.... she offers invaluable guidance with clear communication

Good, quick, knowledgeable describes Pam's client review for my spouse and I.

Knowledgeable helpful and reliable

Outstanding service and promptness!

great meeting. Thank you for your time

I love Pam's thoroughness and ability to explain complex plans.

Pam provided us with clear, solid information about our Covered California options. Bonus: she has institutional knowledge of the options specific ... read more

Pam provided us with clear, solid information about our Covered California options. Bonus: she has institutional knowledge of the options specific to our coverage area.

It went very well. Informative and helpful.

informative On the path now

Pam was was helpful and knowledgeable as always. I had an issue with a premium refund and she went above and beyond my expectations to solve my pro... read more

Pam was was helpful and knowledgeable as always. I had an issue with a premium refund and she went above and beyond my expectations to solve my problem.

What a breath of fresh air, smart direct clear talking women.......

Easy to understand ..Practical , down to earth

Pamela was informative, patient and clear and able to cut through my confusion and questions. I have some next steps to clear up with Social Secur... read more

Pamela was informative, patient and clear and able to cut through my confusion and questions. I have some next steps to clear up with Social Security and look forward to meeting again to finalize my Medicare supplement plans.

DCD is great and Pamela is always friendly. She's flexible when it comes to appointment time and she makes insurance lingo easy to understand. Thanks!

Great ! Super knowledgeable, helped me so much.

Very pleasant experience. Pam made it very simple for me & that in itself was very important. Very knowledgeable & knows what she's doing.

Great service and knowledge of Medicare and options.

Thanks, Informative and direct meeting. Pamela covered all our insurance questions.

Pam was so very helpful and answered all my questions and concerns, as always.

On-time, convenient, efficient review....thanx

Pamela was amazing and just jumped right in and helped me out completely. She made what I felt was going to be a terrifying experience to a very ... read more

Pamela was amazing and just jumped right in and helped me out
completely. She made what I felt was going to be a terrifying experience to
a very very pleasant visit. I am so grateful for her help and look forward
to working with her in the near future. I am very happy to say I would
recommend her to anyone who asks me about any Insurance Issues.
:) Sherrie

Why try to figure it out yourself? Pam is the expert and does the hard work for you!

All good! Pam was great!

Pam clearly explained my options and ensured that I received an electronic comparison sheet that she prepared. Her expertise made the process effor... read more

Pam clearly explained my options and ensured that I received an electronic comparison sheet that she prepared. Her expertise made the process effortless.

Pam helped us in so many ways, I cannot count them all.

Pamela has extensive knowledge

Pam was direct, very informative and I don’t want to work with anyone else when I call back in October to find a personal policy. Refreshingly blu... read more

Pam was direct, very informative and I don’t want to work with anyone else when I call back in October to find a personal policy. Refreshingly blunt! Loved working with her!

Good meeting, Pam is well informed.

A little hard connecting due to missing your return call and then when I called back being left on hold for 9 minutes. Unbeknownst to you. Good to ... read more

A little hard connecting due to missing your return call and then when I called back being left on hold for 9 minutes. Unbeknownst to you. Good to have had some time with you and to get your inputs. Very helpful and insightful. Thanks for your time.

VERY PROFESSIONAL AND INFORMATIVE..

Thanks for your help & suggestions!!

Helpful breakdown of relative costs and benefits of different insurance programs.

Best business in Santa Cruz

My appointment was very informative and I feel I had all my questions answered

Pamela is extremely well-informed and personable. I felt comfortable in our meeting, even though the decision making process can feel overwhelming... read more

Pamela is extremely well-informed and personable. I felt comfortable in our meeting, even though the decision making process can feel overwhelming. No pressure felt. I look forward to working with Pamela in the future.

Very Helpful, and knowledgeable.

It was a pleasure to meet Pamela. She is extremely knowledgeable regarding Insurance policies and I felt very comfortable knowing that my insuranc... read more

It was a pleasure to meet Pamela. She is extremely knowledgeable regarding Insurance policies and I felt very comfortable knowing that my insurance needs will be met. Pamela made sure I understood the new policy I signed up for and made sure all my inquiries were satisfied.
Thank you Pamela!

Could not navigate Medicare w/o Pam! Thank you!

I wish I knew a pinkie-fingers worth of what Pam knows about insurance for those of us in the 65-75+ span of life. She is easy to talk with and un... read more

I wish I knew a pinkie-fingers worth of what Pam knows about insurance for those of us in the 65-75+ span of life. She is easy to talk with and understands how we can be overwhelmed by the process of dealing with the system. She explained to me how I needed to take responsibility without making me feel stupid/old. Thanks Pam.

Pam is a wealth of information and simplifies the process.

Easy, friendly and efficient.

Pam always knows what's what and I feel comfortable that she is finding the best deals for me!

Good quick advice, for the right price.

very good service. It was a pleasure working with Pam

great to catch up. you have a magic way of making the complicated easy to understand.

Pamela Fugitt-Hetrick is always helpful. Each year she explains options that best fit my particular needs. With Pam’s assistance it’s easy to und... read more

Pamela Fugitt-Hetrick is always helpful. Each year she explains options that best fit my particular needs. With Pam’s assistance it’s easy to understand the various and complicated health insurance policies - she unravels the mysteries of health insurance.

Pam is very knowledgeable in the health care insurance business and is a pleasure to work with. I also like her annual follow up to see if I need ... read more

Pam is very knowledgeable in the health care insurance business and is a pleasure to work with. I also like her annual follow up to see if I need to make any new changes in the coming year. I find this very helpful to me.

friendly, informative

Great talking with Pamela

Exactly what I expected ! Perfect.

Pam rocks. Knowledgeable, helpful, patient, compassionate.

Thanks for your help. B

Pamela is wonderful. Very knowledgeable and responsive to our needs.

Was very informative and punctual, would recommend. Thanks

Very knowledgeable, professional, and helpful.

Palmela was very helpful and informative.

Very honest and logical and informative! Great help in this new path.

Pleasant, helpful and detailed.