This company preys on the elderly. They charged my parents $75 monthly for so-called dental insurance. this insurance paid out less than $20 after paying almost a year. the coverage is minimal at best! do not purchase dental insurance from this company. you have to be insured for a year before they would pay any major dental work and when do it's a minimal amount. the fact that they knowingly prey on our elderly on a fixed income is despicable. my advice to anyone who needs dental insurance is to run fast away from these scammers. you'd be better off just paying out of pocket. also rather than waste your money by purchasing dental insurance from this company call a local dentist and see what plans they have for the uninsured. It would be way better than doing business with these unconscionable scammers. read your policy brochure before you get a policy. forget about getting a refund from these scammers. the least they could have done was refund a portion of the premiums.