Welcome to Benefits at DCD Financial & Insurance Services! The home of low cost California health solutions.

Unraveling the mysteries of Healthcare is our specialty. Covered California, Medicare, Employer Group plans, we do it all.

DCD Insurance Services has been serving California and the community of Santa Cruz since 1938. As your local source for insurance services and solutions, our entire staff prides itself on offering personalized and responsive customer support to our customers throughout California.

At DCD Insurance Services, our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come. Our health benefits department offers coverage from the addition of a new baby to your family, to clients transitioning to Medicare. We work with individual/family, group, and Medicare health plans to aid you in all your life transitions. When we created the website “” we did have many high deductible and creative options that were very low cost to offer. When the Affordable Care Act (Obamacare) was voted in, many of those solutions were banned by the new law. We pride ourselves on finding solutions within the law that help you meet your personal needs, while qualifying you for any assistance you may qualify for.

Our experienced staff members can outfit you with tailored solutions for your health, life, and medicare insurance requirements and personalize each insurance product to your specific individual needs while providing competitive rates for our valued clients.

The DCD Insurance Services Team is committed to providing clients with the highest quality insurance plans available combined with some of the lowest rates available in all of California. Whether you’re shopping for health insurance, medicare insurance, life or dental insurance, we can help get you the best coverage available with the lowest rate possible.

We specialize in the following California Insurance Services: (Please hover over item for links to that page or item)

Although our primary area of service is located in Santa Cruz, California, DCD Financial & Insurance Services offers unparalleled service and competitive quotes to clients throughout the entire State of California!

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