Your Insurance Detective › About Dick Tracy
I'm Dick Tracy, an independent health insurance broker licensed in 24 states and appointed with over 80 carriers. I help individuals, families, self-employed owners, and businesses find coverage that actually fits — not just whatever one company told me to sell. Before this, I worked inside the healthcare industry and saw the true price tag of medical care from behind the curtain. My job now is simple: I educate, you decide.
Before I became a broker, I worked inside the healthcare industry — handling patients' insurance, billing codes, certificates of medical necessity, allowable (network) rates, and prior authorizations. I saw the true price tag of medical treatment from the inside, including how the same service gets billed at wildly different prices depending on your plan and where you walk in the door. I watched people overpay because nobody was fighting on their behalf.
That's why I do this the way I do. I left the healthcare side of the business on purpose, so there's no gag clause on me — I can tell you the tips, the tricks, and the traps that most agents either can't or won't. I'm not here to sell you the one plan I happen to carry. I'm here to show you your options, side by side, and let you pick.
Individuals, families, self-employed and 1099 business owners, and businesses with employees. I especially work with the people the group-only world tends to turn away — like solo owners with no employees who were wrongly told the marketplace was their only option. It isn't, and that's exactly the kind of myth I like to bust.
I'm a licensed health insurance broker in these 24 states:
I'm a licensed independent health insurance broker (NPN 20414610) in 24 states: Alabama, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Indiana, Kentucky, Maine, Maryland, Massachusetts, Michigan, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, West Virginia, and Wisconsin.
Over 80. Because I'm an independent broker and not tied to one company, I compare plans across all of them side by side and recommend what actually fits you — instead of selling the one plan a captive agent happens to carry.
Individuals, families, self-employed and 1099 business owners, and businesses with employees. I work with people the group-only world often turns away — like solo owners with no employees who were told the marketplace is their only option.
Before becoming a broker, I worked inside the healthcare industry — handling patients' insurance, billing codes, certificates of medical necessity, allowable (network) rates, and prior authorizations. I saw the true price tag of medical treatment from the inside. Because I left the healthcare side, there's no gag clause on me, so I can explain the tips, tricks, and traps most agents can't or won't.
USA Benefits Group is one of the largest independent insurance brokerages in the country — a nationwide network of independent brokers serving individuals, small-business owners, and the self-employed since 1988. I'm part of USA Benefits Group, which gives me access to a broad range of carriers and plan types beyond what any single-company agent can offer.