They refused to pay my dental claim for some fillings after someone initially mis-coded it as orthodontal work. This led to a long back-and-forth between me and them. Nobody would answer my emails. When I called in, I was told that the claims team would contact me. That never happened. I had a lawsuit filed against me from my dentist's office because I hadn't paid my bill... because Regency wouldn't pay my claim. So I've been paying it myself to avoid going to prison in a country that I'm not even from, AND continued to pay premiums to an insurance company that wouldn't pay my claim. Now my credit here is kind of ruined. So yeah... I highly discourage anyone from purchasing insurance from Regency. (Although I technically purchased the insurance from Principle Assurance, then it was acquired by Regency.) This is the worst experience I have ever had with an insurance company, and I'm from America. So that says a lot.