Think You Know Insurance? So Did We… | The Insurance Gone Wild Quiz

After all these episodes talking about insurance, there’s really only one question left:

Have Dennis and Stephanie actually been listening to each other?

This week on Insurance Gone Wild, they're putting it to the test.

Stephanie quizzes Dennis on health insurance and employee benefits, while Dennis fires back with commercial insurance questions—and somehow this turns into one of the most educational episodes they've done.

They tackle HMOs vs. PPOs, copays vs. coinsurance, commercial property penalties, EPLI, prescription formularies, Manufacturers E&O, HSAs vs. FSAs, additional insureds, qualifying life events and plenty more.

Some answers are surprisingly impressive.

Some require a little help.

And several eventually arrive at everyone's favorite insurance answer:

“It depends.”

Along the way, Dennis and Stephanie break down why a business insured for the wrong replacement value could get hammered at claim time, how employment practices claims can come from unexpected places, why your insurance company may prefer one prescription over another, and how seemingly tiny wording differences can completely change commercial coverage.

So play along.

How many questions can you answer before Dennis or Stephanie does?

And more importantly… who actually wins the Insurance Gone Wild quiz?

⏱️ Chapters

00:00 – Welcome to the Insurance Gone Wild Quiz
00:58 – Have Dennis & Stephanie Actually Been Listening?
02:25 – HMO vs. PPO: What's the Difference?
05:48 – The $2 Million Building Insurance Question
07:14 – How a Coinsurance Penalty Really Works
11:06 – Copay vs. Coinsurance
12:50 – What Covers a Wrongful Termination Lawsuit?
14:28 – What the Heck Is a Drug Formulary?
15:58 – GLP-1 Drugs, Coverage & Why Plans Differ
20:27 – The Robotic Equipment Insurance Problem
22:31 – Manufacturers E&O Explained
24:41 – What General Liability Actually Pays For
25:51 – Can You Have an HSA AND an FSA?
27:54 – HSA vs. FSA: The Big Differences
29:31 – What Does “Additional Insured” Actually Mean?
30:40 – Named Insured vs. Additional Named Insured
33:10 – Why Policy Language Changes Everything
34:38 – Name Four Qualifying Life Events
36:47 – So… Did They Actually Learn Anything?
37:12 – The Official Answer: “It Depends”

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