The truth about this company is that they are liars and thieves. They took our money and when we needed them, they failed us! I have never delt with anything like this before. No now we need to pay back medical costs out of pocket that saved my husband's life just because Regency decided that this claim does not fit into their approved claim system. This was not an incident that we could prevent. My husband had a heart attack. So now it will be fine to put in a claim for stiches but make sure you don't get a heart attack because regency will not pay that account.