Insurance Gone Wild

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.

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Chapters 

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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

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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

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

9:01 – Agents vs. The Internet Cage Match

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

23:30 – Insuring College Kids Without Selling a Kidney

27:20 – Bundle Joy or Bundle Jail?

29:41 – North Texas Homeowners: Please Breathe

35:23 – Minimal Assets, Minimal Limits?

39:41 – One Policy to Rule Your Rentals?

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

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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: [email protected]

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What happens when Congress names a law the One Big Beautiful Act? Spoiler: it turns into one big beautiful mess for health insurance. In this episode, Dennis (yes, the man with the hats) and Stephanie (the one who actually keeps things sensible) dive headfirst into the new legislation shaking up healthcare.gov, subsidies, and the future of insurance in America.

From subsidies vanishing faster than free donuts in the office kitchen, to millions potentially losing coverage, Dennis and Stephanie break it all down with humor, storytelling, and the kind of honesty you wish your insurance agent had when they sold you that “too good to be true” policy.

This episode has it all: politics, healthcare chaos, Olympic-sized pools owned by subsidy gamers, and why your premium might skyrocket just in time to ruin your 2026 vacation fund.

Grab your coffee (or something stronger) and get ready to laugh, groan, and actually understand what’s happening in the wild world of health insurance reform.

⏱️ Chapters

0:00 – Welcome to the Wild Side

4:03 – Subsidy Sticker Shock

6:40 – The Welfare Workout Plan

9:47 – Enrollment Gets Ugly

14:44 – Coverage Loss: The Domino Effect

15:44 – State vs. Feds: Who Really Knows Best?

19:18 – Health Insurance: The Living Organism

21:19 – Alternatives: Sharing, Concierge, and Shrinkflation

26:49 – Wrapping the Wild Ride

👉 Resources & Contact:

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When it comes to protecting your business, is “cheaper” really better? In this lively episode, Dennis and Stephanie pull back the curtain on commercial insurance, breaking down the real risks of cutting corners and the hidden gold inside endorsements and classifications that too many business owners overlook.

They mix insider expertise with humor, real-life scenarios, and a little tough love, leaving you both informed and entertained. Whether you’re a small business owner, a startup dreamer, or someone who just wants to avoid costly insurance mistakes, this one’s for you.

👉 Don’t just skim your policy. Listen up, laugh a little, and learn a lot.

📌 Key Takeaways

Coverage vs Cost: Don’t let “cheap” trick you into gaps you’ll regret later.

Classifications Matter: One wrong box checked could sink your claim.

Endorsements are Everything: Ever heard of CG 2010 and CG 2037? You will now.

Review, Rinse, Repeat: Regular policy reviews = fewer surprises.

Talk to Your Agent: Ask the awkward questions—it’ll save you money and headaches.

💬 Notable Quotes

“If it sounds too good to be true, it probably is too good to be true.” — Dennis 

“For every action, there’s an equal and opposite reaction. The same goes for insurance policies.” — Stephanie 

“The premium tells me how deep to dig into their current policy.” — Dennis 

⏱️ Chapters & Links

1:22 — Podcast Chaos & Studio Adjustments

📞 Resources

📧 Email: [email protected]

🔥 Tune in, laugh along, and leave knowing more about your business insurance than you ever thought you wanted to. Because at the end of the day… wild things happen, and coverage matters.

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

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Think your homeowners insurance is just about the house? Think again. In this episode of Insurance Gone Wild, Dennis Settlemoir and Stephanie Lencioni blow the dust off liability coverage and show you why it’s the unsung hero of your policy. From backyard fireworks disasters to trespassers who somehow end up suing you, Dennis and Stephanie unpack real-life “you-can’t-make-this-up” scenarios that prove liability insurance is worth way more than its modest price tag.

You’ll hear how liability extends far beyond your front porch—covering rogue golf balls, party mishaps, and even your kid’s science project gone wrong. They’ll also explain why upping your liability limits and grabbing an umbrella policy is like putting a seatbelt on your bank account.

Funny, relatable, and just a little outrageous—this episode will make you see insurance in a whole new light (and maybe rethink inviting Steve from down the street to your 4th of July party).

Chapters:

2:28 – Fireworks & Trespassers: A Legal Dumpster Fire

8:09 – Real-Life Scenarios That Make You Glad You’re Covered

15:53 – Hailstorms, Roofers & Red Flags

18:35 – Umbrella Policies: Cheap Insurance Royalty

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This week, Dennis and Stephanie pull back the curtain on what your homeowner’s insurance really covers—and more importantly, what it doesn’t. 🏠💥

From misleading premiums to missing ordinance and water backup coverage, they break down real-life examples of claims gone wrong. If you’ve never looked at “Page Two” of your policy, this episode might just save your financial future.

Whether it's hail, theft, water leaks, or fire damage—this is what every homeowner needs to know before disaster strikes. Don't let a cheap premium cost you everything.

🔑 Key Takeaways:

Cheap premiums = skimpy coverage. Don’t fall for it.

Sublimits and exclusions matter more than you think.

High-value items like jewelry, guns, and art require extra protection.

Some carriers are in the business of paying claims—others aren’t.

Know how to file and manage claims the right way.

📌 Notable Quotes:

“If you find a really cheap premium on a homeowner's policy right now, it's probably not going to pay for a lot of the things that you think it's going to pay for.”

⏱️ Chapters:

📞 Contact & More Info:

👍 Like, Comment, and Subscribe for more no-nonsense insurance truth bombs every week.

#HomeownersInsurance #InsuranceGoneWild #InsurancePodcast #ClaimsTips #TexasInsurance #PropertyInsurance #FireDamage #WaterBackup #OrdinanceCoverage #JewelryInsurance #InsuranceAdvice

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🎧 If You Fail to Plan… You Might Just Flood the Living Room | Insurance Gone Wild

What happens when disaster strikes and you realize your “emergency plan” is just yelling “Grab the dog!” and running for the door? In this episode of Insurance Gone Wild, co-hosts Dennis and Stephanie  dig deep into the uncomfortable (and critical) truth: you probably aren’t as prepared as you think.

From flash floods in Keerville to house fires and heart-stopping kid chaos, Dennis and Stephanie bring the hard facts—sprinkled with humor, real-life experiences, and just enough tough love to get you thinking. 🚨

Whether it’s memorizing emergency contacts (because your phone might be toast), planning fire escape routes, or knowing how to stay actually calm when everything’s on fire (literally or figuratively), this episode is a must-listen for homeowners, parents, and anyone who thinks “I’ll figure it out in the moment” is a plan.

🔥 Bonus: If you’ve never used a fire extinguisher or discussed an emergency meetup spot with your kids, this is your wake-up call.

📍 CHAPTERS

0:00 – Why You Need a Disaster Plan Before the Disaster

📞 Resources & Contacts

🔸 Got questions or need help? Call us at 817-753-0093

🔗 Learn more about the Kerrville floods: https://www.ksat.com/news/local/2024/06/04/2-dead-after-vehicles-swept-away-by-water-in-kerr-county-sheriff-says/

🚨 Final thought: “If you fail to plan, you're planning to fail.” Don’t let a flood, fire, or freak accident catch you unprepared. Listen, laugh, and learn how to make your home safer today.

#InsuranceGoneWild #EmergencyPreparedness #FloodSafety #HomeownersInsurance #ParentingTips #DisasterPlanning #FireEscapePlan #FlashFlood #Podcast #StephanieLencioni #DennisSettelmeyer #KerrvilleFloods

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🎧 Insurance Gone Wild | Health Sharing Programs: Too Good to Be True?

What if we told you there’s a way to ditch your high premiums and still get covered without jumping through hoops of a traditional insurance plan? Well, buckle up — because in this episode of Insurance Gone Wild, Dennis and Stephanie dive headfirst into the world of health sharing programs — the not-quite-insurance, budget-friendly alternative you’ve probably never fully understood.

Stephanie L3nchoni, our in-house health insurance whisperer, breaks down how health sharing works, who it’s for, and whether it’s actually too good to be true. We’re talking no networks, lower costs, and yes — real savings stories (one client saved over $27K a year 👀). But it's not all sunshine and co-pays — Stephanie keeps it real about the limitations, including coverage for pre-existing conditions and meds.

If you're a small business owner, freelancer, or just someone tired of the insurance maze, this episode is your golden ticket.

📌 CHAPTERS & TIMESTAMPS

🧠 Key Takeaways:

Health sharing isn’t insurance… but it acts like it.

No networks = more freedom.

Cheaper premiums, but be mindful of the fine print (like that 3-year wait on pre-existing conditions).

Small businesses: this might just be your new favorite benefit.

Real clients. Real savings. Real talk.

💬 Notable Quotes:

📞 Resources & Contact Info:

🔥 Don’t forget to like, subscribe, and drop a comment if this episode gave you an “Aha!” moment — we want to hear your insurance horror stories and health sharing wins!

#InsuranceGoneWild #HealthSharing #HealthInsuranceAlternatives #PPOvsHMO #HealthcareSavings #SmallBusinessInsurance #MedicalBilling #InsurancePodcast #FreelancerTips #IGWpodcast

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