About Us

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"Our Experience, Your Advantage"

Distinguished Choice Insurance Solutions is a New Mexico based agency that specializes in Medicare coverages as well as Individual and Group health insurance.


Our goal is to understand each client's individual needs and offer sound solutions with the highest level of customer service. 


With over 40 years of combined experience, our knowledge, expertise, and commitment to service allow us to provide each client with one of a kind experience. Our staff takes great pride in helping those when they need it the most!

Our team will provide you with the best solution!

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Ariel Fragoso

Ariel has dedicated nearly a decade of her life to guiding and supporting clients through their toughest Medicare and health insurance decisions. Driven by a desire to make a difference, she genuinely enjoys helping others. Having witnessed first hand how insurance impacts her clients’ lives, she places special emphasis on ensuring they are able to receive and maintain proper coverage through all stages of life.

Being a New Mexico native has allowed Ariel to be an exceptional resource. She was born and raised in Silver City, NM and has now spent over 15 years calling Las Cruces, NM her home. Holding a Bachelors of Science in Family and Consumer Sciences from New Mexico State University, Ariel understands that the key to success lies in education. She strives to stay informed so that she can not only meet but exceed clients’ expectations. 

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Palmira Pacheco

Pam is a New Mexico native, born and raised in Luna County.  She graduated from New Mexico State University in 2004 with a Business Management Degree.   After NMSU she worked 8 years in real estate, appraisal and 4 years in the corporate world not feeling like she fit in. She became a licensed broker in 2014 and has found a love for providing guidance and help to those in need while continuing to be involved in the community.

Pamela Washington

Pamela was born and raised in Silver City, NM. She graduated from WNMU with an associates in graphic
design in 2008 and has now been in the insurance industry for 7 years focusing on final expense and
Medicare coverages. Pamela has a passion for helping people and educating her clients on the different
options that are available to them.

Clarissa “Classy” Acosta

Clarissa (aka Classy) is a New Mexico native born and raised in Albuquerque and studied at the University of New Mexico. She has lived in Las Cruces with her husband and two girls for the last 10 years. Outside of helping others professionally, Classy is focused and committed to her family and community. She coaches her girls’ basketball and soccer teams and fosters a supportive and patient environment for all kids to learn and excel. Classy is excited to help guide clients through the often-daunting process of securing a necessary service of Medicare and health insurance. Using her extensive customer service skills, Classy brings a personable and empathic approach to determining the best solution for each client’s individual needs.

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Jessica Hawkins

Jessica is entering her fourth year as a broker. She is a top agent with many clients trusting in her to find a plan that best fits their needs. Jessica is a native New Mexican having been born and raised in Dona Ana County and is very familiar with the unique needs and various resources in this area. She graduated from NMSU in 2005 with a Bachelors in Public Health. After graduating she began working in the public sector for Dona Ana County Health and Human Services Dept. For over eight years she continued her tenure there in several roles which were all dedicated to serving the residents of Dona Ana County. Jessica continues to bring her community driven passion to her clients. She enjoys serving them not only as a broker but a community resource as well.

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Janet Torres

Janet was born and raised in Dona Ana County. She graduated New Mexico State University in 2012 with a Bachelors of Science degree in Family and Consumer Sciences. Janet has worked in customer service for over fourteen years with over four years of management experience. She became a licensed broker in 2015 and has a strong desire to help others gain access to great benefits and resources to help enrich their lives. "Helping others is something I have always enjoyed doing and helping people with their insurance needs is a way I can give back by helping my communities and surrounding areas."

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Heidi Moccia

Heidi serves the health insurance needs for local community members when it comes to Medicare,
Individuals, Families, and Small Business Groups. She gives her clients an understanding of options and
how the plans will cover their specific needs and guide them through the process. When working with
Heidi you can find comfort knowing that you won’t have to make decisions by yourself! Heidi enjoys
helping and educating others to try to make a difference in the community. She also regularly presents
Medicare 101 sessions in the community and is available to educate your local organization or
professional staff. Prior to becoming a licensed health insurance broker (NM & TX), Heidi also served 20+
years in the healthcare and health and wellness industries, including as a college instructor and a
pharmaceutical representative. She received a Master of Education in Physical Education/Exercise
Science from Texas State University and a Bachelor of Business Administration in Finance/Economics
from the University of Massachusetts. Heidi played and coached soccer collegiately and played abroad
and still plays for fun in the local adult soccer league. Las Cruces has been home to Heidi and her family
since 2015 when her husband's job led him back to work at his alma mater, New Mexico State
University, as Director of Athletics. Heidi’s clients receive the expertise and experience not only of Heidi
as their personal broker, but also of the entire Distinguished Choice Insurance Solutions team. Contact
Heidi today for a no cost, no obligation, consultation.

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Frank Moreno

Frank is passionate about working with and helping people have the right sized Medicare or health insurance protection.  Developing trust through getting to personally know clients as well as providing excellent customer service is important to me. Frank is a Las Cruces native living in the Mesilla Valley for over 53 years. He holds a Bachelor’s degree in Business administration, a Minor In Government and is a certified Financial Services Agent. Frank loves to read, he believes that a person has to continually grow and develop to be able to effectively help others. For fun he loves to run, read and go on family vacations with his wife and 2 sons.