Tis the season for… open enrollment! Dennis and Stephanie dive into the thrilling, gut-wrenching world of health insurance like it’s the season finale of a reality show you didn’t know you were starring in. From why every employer seems to pick the most random renewal dates, to why your “perfect plan” doesn’t exist (sorry), they break down the madness with humor, sarcasm, and a sprinkle of “I told you so.”

You’ll laugh, you’ll cry, you’ll probably check your deductible halfway through. Whether you’re an employee wondering why your premiums rival your mortgage, or a business owner trying to keep your sanity (and your staff), this episode will make you feel slightly better about it all.

Call it therapy, call it education — just don’t call your agent without listening first.

Chapters:

00:00 - We Switched Seats (and Immediately Regretted It)

02:00 - Why Is Open Enrollment Always When You’re Broke?

03:40 - The Government Picked These Dates for Fun

05:20 - January 1st: New Year, Same Deductible

07:00 - Health Insurance: More Complicated Than Dating Apps

09:20 - The Myth of the “Perfect Plan” (Spoiler: It Doesn’t Exist)

10:05 - When Your Premium Costs More Than Your Mortgage

12:00 - Agents Who Send You 100-Page PDFs and Call It “Service”

14:00 - “My Kid Turned 26 — Now I’m Poorer, Somehow”

16:00 - The 2026 Contribution Crisis (a.k.a. Why Everything Costs More)

18:30 - Call Your Agent (Unless It’s Dennis — He’s Busy)

21:00 - Politicians, Subsidies, and Other Scary Words

22:40 - Accountants Are Terrifying (Ben Affleck Approved)

23:30 - Shameless Plug and Final Thoughts

Would you like me to also write the YouTube description and SEO tags version (with hashtags, tone, and formatting for upload)? That version typically helps boost discoverability and click-throughs.

Email: Contact@IGWpodcast.com

Facebook: https://www.facebook.com/InsuranceGoneWild

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Panatela Group: https://panatelagroup.com/

Call: 817-753-0093

Dennis and Stephanie take the show live—and it gets delightfully weird, wonderfully useful, and wildly honest. From “can you insure a dominatrix?” (spoiler: yes) to small-biz health plans that actually make sense, they bust clickbait myths, decode the 60–65 pre-Medicare maze, and share real ways to cut premiums without upping your risk. Expect shrinkflation in policies, deductible-reimbursement hacks, wind/hail payouts that don’t require filing a claim, and the maddening truth about medical billing vs. cash pay. It’s practical help wrapped in humor—with one legendary six-banana intermission.

Contact: contact@IGWPodcast.com

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Hosts: Dennis & Stephanie

Chapters

00:00:00 - Lights Up, Mics Hot

00:01:52 - Audience Q: “Fake Body Parts?”

00:03:35 - So… Can You Insure That?

00:04:38 - From Corporate to Startup: Small-Biz Health 101

00:07:01 - Taxes & Contributions Without Tears

00:08:26 - Clickbait & Commission Myths

00:11:00 - The 60–65 “Purgatory” Window

00:14:05 - Insurance Shrinkflation Is Real

00:15:28 - Grocery Prices & Premiums

00:18:12 - The Six-Banana Intermission

00:20:30 - When Your Doc Bills Like Crazy

00:28:12 - Pay Less, Risk Less: Deductible Reimbursement

00:32:40 - Hail Yes: Parametric Payouts

00:33:47 - Rapid-Fire Q&A & Wrap

Email: Contact@IGWpodcast.com

Facebook: https://www.facebook.com/InsuranceGoneWild

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Panatela Group: https://panatelagroup.com/

Call: 817-753-0093

Dennis brings the pop quiz, Stephanie brings the receipts, and together they turn “wait, is this even insurance?” into your new favorite game show. They spar over health sharing vs. traditional plans, why “contribution” isn’t just a bougie word for premium, how faith-based commitments actually work, and when pre-existing conditions really are… pre-existing. Stephanie even vows to ditch her employer plan (spicy), Dennis wrestles with “appendectomy” (adorable), and somehow they map out how small businesses can save real money without summoning an HR demon. If you’ve wondered whether a $400 stipend can cover a whole family, why maternity waits a year, or whether your weekly “mom juice” voids coverage (it depends, breathe), this episode is wild, witty, and weirdly practical.

Questions or snark? contact@IGWpodcast.com

• 817-753-0093.

00:00 - Pop Quiz, Hotshot: Health Sharing 101

00:01 - Stephanie’s Confession: I’m Breaking Up with My Plan

00:03 - Not Insurance on Purpose (And Why That’s Good)

00:05 - Deductible-ish: What “Annual Household Portion” Really Means

00:08 - ACA Flashback and the Penalty Loophole

00:09 - Contributions, Not Premiums

00:10 - Networks? Kinda. Open Access? Yep.

00:11 - Pre-Existing: What Actually Triggers a “No”

00:13 - Lifestyle Clauses: Tobacco, Tequila, Truth

00:15 - The Real Reason Families Switch: Cost

00:18 - Strict vs. Sane: Do No-Alcohol Plans Save Money?

00:19 - Community Share: A Million One-Dollar Lifelines

00:20 - Plot Twist: A Homeowners “Sharing” Program?!

00:22 - What’s Not Shared: Keep Your Dental Cleanings

00:22 - Baby on Board: Why Maternity Waits 12 Months

00:23 - Claims By Any Other Name: “Sharing Requests”

00:26 - Law of Large Numbers, But Fun

00:27 - Group Hack: Mixing Sharing with Traditional

00:30 - Employer Math That Slaps: $400 That Works

00:32 - Education Beats Confusion

00:33 - Faith Statements, No Hoops

00:35 - HR Corner Case Solved and the Mic Drop Outro

Email: Contact@IGWpodcast.com

Facebook: https://www.facebook.com/InsuranceGoneWild

Get a Quote!

Panatela Group: https://panatelagroup.com/

Call: 817-753-0093

Dennis and Stephanie stumble out of an HR presentation and straight into the wonderfully litigious world of Employment Practices Liability Insurance (EPLI). Between Dennis’ Ozarks charm and Stephanie’s “that really chaps my ass” energy, they skewer the myth that “we’ll just hire a lawyer” is cheaper than having coverage. From wrongful termination to TikTok-inspired “pranks,” vendor side-eye, retaliation, wage & hour landmines, and why endorsements are the dollar-store version of a real policy—this episode is your slightly sarcastic, very practical tour of why EPLI belongs in every business’s toolkit. Think of it as paying a retainer for an attorney you hope you never need… except it actually shows up.

Chapters

00:00 - Names Are Hard, Lawsuits Are Easy

02:00 - EPLI 101: The “People Problems” Policy

03:30 - Workers’ Comp vs. EPLI: Bruises vs. Beef

05:10 - Wrongful Termination & The “Any Lawyer Will Do” Delusion

07:20 - Defense Costs: Six-Minute Phone Call, Four-Figure Bill

09:40 - The Attorney Scavenger Hunt (Deadline Edition)

12:50 - Insurance = Retainer You Hope You Never Need

15:00 - Harassment Happens (Yes, Even From Vendors & Customers)

19:00 - Failure to Promote: Everybody’s Mad, Someone’s Suing

20:30 - Hostile Work Environments & Bathroom Bottle Rockets (Please Don’t)

22:10 - TikTok Pranks → Viral Regret → Hello, EPLI

24:00 - Wage & Hour: “Sometimes Excluded” = Sometimes Your Problem

26:00 - Retaliation: Report It, Get Shunned, Get Litigious

27:20 - Privacy & HIPAA: Double Whammy, Triple Advil

28:10 - Endorsement vs. Standalone: Don’t Bring a Butter Knife to a Lawsuit

29:20 - Limits & Cost: How Offensive Are You (Kidding… Mostly)

33:10 - Plaintiff Attorneys Love Settlements—Get Coverage Anyway

34:30 - The Sermon: Get the Damn Coverage

35:10 - Wrap: Questions, Coffee, and Contact Info

Email: Contact@IGWpodcast.com

Facebook: https://www.facebook.com/InsuranceGoneWild

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Panatela Group: https://panatelagroup.com/

Call: 817-753-0093

Dennis and Stephanie play Approved or Denied? with the weirdest claims on earth: a cow swan-dives onto a sedan, toilets go boom, a burglar sues after face-planting through a skylight, and a very good boy eats a very expensive diamond. Along the way you’ll learn why comprehensive isn’t just for deer season, when liability saves your bacon (and your neighbor’s fence), and how one stray golf ball can turn your windshield into modern art. It’s chaotic, educational, and—somehow—still makes you want to check your endorsements.

Questions or horror stories? contact@igwpodcast.com

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New here? Follow, rate, and send this to the friend who thinks raccoons can’t pick locks.

Chapters

00:00 - Beverage Underwriting & Ground Rules

02:29 - Holy Cow: Comprehensive Meets Gravity

06:56 - Boom Boom Room: Toilets, Backups & Semantics

09:17 - Skylight Burglar: Settlement Over Principle

15:28 - ’Til Ash Do Us Part: Volcano vs. Wedding

18:10 - Donkey on Moonshine: Animal Damage 101

19:02 - Haunted House, Unhaunted Policy

20:15 - Space Junk, Real Checks

22:32 - Windy Yard Chaos & Liability MVP

25:15 - Dog Ate My Diamonds (Schedule Your Jewelry)

27:08 - Barbecue Kaboom: Fire Is a Covered Peril

27:54 - Smoothie vs. Smartphone

28:26 - Fore! Glass Confetti & Who Pays First

30:03 - It Depends (And That’s the Point)

Email: Contact@IGWpodcast.com

Facebook: https://www.facebook.com/InsuranceGoneWild

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Panatela Group: https://panatelagroup.com/

Call: 817-753-0093

Medical bills that still bankrupt people who have insurance. Life insurance everyone swears is “too expensive” (until they actually check). Auto claims that hit faster than a Dallas hailstorm. In this spicy, stats-soaked episode of Insurance Gone Wild, Dennis and Stephanie drag the numbers into daylight and make them behave. You’ll hear why “I’ve got coverage” can still end in a five-figure out-of-pocket faceplant, how much folks wildly overestimate life insurance (spoiler: a lot), and why urban drivers meet deductibles like they’re old friends. It’s equal parts wake-up call and cheat sheet—snark included—so you can stop letting fine print and averages run your wallet. Bring your questions, park the shame: confusion is normal, surprises are optional.

Chapters

0:00 — The $9,100 Plot Twist: Why “covered” still goes bankrupt

4:13 — Dental Vacation: When Mexico beats your deductible

5:14 — Witch-Doctor or Science? The chiropractic rabbit hole

6:50 — Policy Years, New Year, New Deductible - same wallet

11:10 — Billing in the Shadows: “Let’s not name names”

12:24 — Life Insurance Myth-Busting: Twenty bucks and grown-up math

16:21 — Millennials vs Gen X? Cash-value curiosity and exposure

19:15 — Claims vs. Reality: City life, storms, theft, and glass

25:58 — Why Agents Keep Winning - and the internet taps out

Email: Contact@IGWpodcast.com

Facebook: https://www.facebook.com/InsuranceGoneWild

Get a Quote!

Panatela Group: https://panatelagroup.com/

Call: 817-753-0093

Broadcasting from the fiesta-friendly confines of Dos Amores in Hurst, Texas, Dennis and Stephanie take insurance out of the cubicle and into the cantina. With restaurant manager Jesús popping in between karaoke nights and Tejano Saturdays, this live episode leans into real questions from real people—why your premium jumped when you did nothing, whether bundling is a BOGO or a bozo move, and how a broke 21-year-old is supposed to insure anything except their anxiety.

Come for the consumer-first straight talk; stay for the lovingly sarcastic therapy session on health insurance, the myth of “it gets cheaper at 25,” and the eternal truth of the industry: it depends. Agents vs. algorithms, homeowners’ sticker shock, deductible hacks—Dennis and Stephanie cut through the jargon with jokes, receipts, and just enough cynicism to keep it honest. BYO queso.

Chapters

0:06 – Dos Amores Turns One

Jesús on parties, pop-ups, and why your insurance talk pairs well with micheladas.

5:37 – The “No Script, All Sauce” Philosophy

Dennis & Stephanie explain why authenticity beats homework (and no, they don’t make up numbers).

9:01 – Agents vs. The Internet Cage Match

Why clicking “Buy Now” often buys you…less. Coverage gaps, claim pain, and grown-up supervision.

17:05 – “I Didn’t File a Claim—Why Did My Rate Rise?”

Pool math, AI gremlins, and the law of large numbers ruining date night.

23:30 – Insuring College Kids Without Selling a Kidney

Young drivers, sky-high premiums, and what actually helps.

27:20 – Bundle Joy or Bundle Jail?

When combining policies saves money—and when it’s just a hostage situation.

29:41 – North Texas Homeowners: Please Breathe

Why “down” isn’t a direction rates recognize (and how to survive renewals).

35:23 – Minimal Assets, Minimal Limits?

The broke-but-driving question, answered with nuance (and a reality check).

39:41 – One Policy to Rule Your Rentals?

Consolidation vs. asset protection: which headache would you like today?

40:41 – Health Insurance: Abandon All Hope (Kidding…Mostly)

Marketplaces, subsidies, copays, and why “disruption” is code for “you’ll feel this later.”

Email: Contact@IGWpodcast.com

Facebook: https://www.facebook.com/InsuranceGoneWild

Get a Quote!

Panatela Group: https://panatelagroup.com/

Call: 817-753-0093

Confused about Medicare, Medicaid, and all the alphabet soup in between? You’re not alone—and that’s exactly why Dennis Settlemoir and Stephanie Lencioni are here to break it all down.

In this episode of Insurance Gone Wild, Dennis and Stephanie cut through the jargon and dive into what really separates Medicare from Medicaid. With their signature humor and honest takes, they’ll help you understand who qualifies, what the different “parts” cover (A, B, C, D…yes, it’s a lot), and why timing your enrollment matters more than you might think.

Whether you’re approaching open enrollment, helping a parent make sense of their options, or just trying to figure out how the government managed to make health insurance even more confusing, this episode has you covered.

⏱️ Chapters

0:00 – Open Enrollment Banter and Introductions

1:43 – Medicare vs. Medicaid: Who Qualifies and Why It Matters

5:55 – Breaking Down Medicare Parts A, B, and D

9:53 – The Penalties You Don’t Want to Pay (Part D Enrollment)

12:15 – Humor and Headaches: Why Health Insurance Feels Impossible

13:48 – Medicare Advantage vs. Supplement Plans Explained

18:48 – The Obamacare Effect on Medicare and Healthcare Perception

24:41 – Enrollment Strategies and Real-Life Scenarios

28:02 – Wrapping Up: Where to Go for Help

Email: Contact@IGWpodcast.com

Facebook: https://www.facebook.com/InsuranceGoneWild

Get a Quote!

Panatela Group: https://panatelagroup.com/

Call: 817-753-0093