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.

#1. Consistent return of premium.

Publicly-traded insurance companies exist to make profits for shareholders while physician-owned carriers often return profits to their policyholders. Don’t underestimate this benefit; it can add up to tens of thousands of dollars over the course of your career. OMIC has one of the most generous dividend programs for ophthalmologists and has returned more than $20 Million to our members through dividends.

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