About Us


Insurance 101

Welcome to the Insurance 101 library. At OMIC, we want you to make informed decisions about your insurance. We encourage you to call us to discuss your personal insurance needs. For self reference, we have also included answers to common questions below. Feel free to use this general information as a starting point for your discussion with OMIC’s staff.

In the General Insurance 101 section below you will find answers to common questions regarding insurance and definitions for frequently used insurance terms and concepts.

In the OMIC 101 section below you will learn more about OMIC’s application process, coverage and premium information, and other details about our ophthalmic specific insurance program.

For specific information regarding OMIC’s coverage for practices and procedures, please see the Coverage Q&A page.

Insurance 101



Six reasons OMIC is the best choice for ophthalmologists in America.

#3. Best at defending claims.

An ophthalmologist pays nearly half a million dollars in premiums over the course of a career. Premium paid is directly related to your carrier’s claims experience. OMIC has a higher win rate taking tough cases to trial, full consent to settle (no hammer) clause, and access to the best experts. OMIC pays 25% less per claim than other carriers. As a result, OMIC’s base rates have consistently averaged approximately 15% lower than multispecialty carriers in the U.S.

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