Just never use Regency, very expensive, thet make out that they will help you when u need with no tassels, total bullsh%$ lie, during critical care they will call, send emails demanding info which is sometime impossible to provide, then deny any coverage, if I went by their recommendations, I would probably be dead right now... avoid them
everything they said about coverage and tha5 they take Alvarez if everything was bs, hospital evem told me when I said who I had policy with them that it will be difficult.. went one week at one hospital and never got a positive answer on converge so went to a government hospital for another week and was completely denied.. said everything was pre existing, which wasn't true at all....
I had to have an emergency surgery, they said it wasn't necessary, if I took their advise I would be dead