Policyholder Services

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• Announcements

  •          What will OMIC pay for if I am sued?

• Billing/Premium Q&A

  •          I need further help, whom do I reach out to?

             I forgot my password, how do I access my account?

             Do I need to register to pay a bill?

             I am logged in, why can't I access the "My Billing and Payment Information" solution?

  •   -- Discounts (7)

            Did I receive my risk management discount?

            What risk management courses have I completed?

            Does OMIC offer a risk management discount to physicians who use electronic medical records (EMR)?

            How do I sign up for a risk management course?

            What other discounts are available?

            What risk management seminars qualify me for a discount?

            Does OMIC offer a part-time discount?

  •   -- Dividends (1)

            Does OMIC pay dividends?

  •   -- Payment (17)

            I need further help, whom do I reach out to?

            How does AutoPay work?

            I forgot my password, how do I access my account?

            Do I need to register to pay a bill?

            I am logged in, why can't I access the "My Billing and Payment Information" solution?

            When will I receive my refund?

            Can I get a refund if I overpaid my premium or if my premium is reduced because of discounts or practice changes?

            I’m having financial difficulties. Can I have an extension or make arrangements for a special payment schedule?

            Did you receive my payment?

            Will I be charged a fee if I pay quarterly?

            Can I pay monthly instead of quarterly?

            Can I have automatic deductions made from my credit card?

            How long is my credit card authorization good for?

            Does OMIC have a grace period?

            What is the amount due?

            When is my payment due?

            Do I have to pay my annual premium in full when I join?

  •   -- Premium (11)

            Will my OMIC premium decrease if I discontinue performing refractive surgery?

            How are premiums determined?

            What if I practice in more than one state or territory?

            Will I pay a lower premium if I limit my practice to refractions, low vision screening, or other non-surgical activities?

            Are refractive surgeons charged a higher premium than physicians who do not perform refractive surgery?

            Will my premium be based on the types of procedures I perform?

            My hospital has agreed to cover me for ROP services I render. How will this affect my coverage with OMIC and my premium?

            Suspension of Coverage

            If I have a claim, will it increase my premium or allow you to cancel my coverage?

            What will my premium be if I perform liposuction, facelifts, and rhinoplasty?

            Can OMIC ever assess me for additional premium?

• Claims Q&A

  •   -- Claim Process (13)

            I am scheduled to give a deposition as a "fact witness" in a medical malpractice case involving a patient I treated. Will OMIC assign an attorney to represent me?

            What is the statute of limitations in my state?

            OMIC Claim Statistics

            Will my claim be reported to the National Practitioner Data Bank?

            Will the company settle a claim without my consent?

            What is OMIC's position on settling cases?

            Can I choose my own legal counsel?

            Who will be my legal counsel in the event of a claim?

            What happens to the claim after a file is created?

            What general advice will you give if a claim is reported against me?

            What happens to the claim once I report it?

            What should I do if I receive a request for medical records from an attorney?

            What should I report to OMIC, and when should I report it?

  •   -- Coverage Issues (9)

            Will it jeopardize my coverage if I apologize to my patient for a bad outcome or medical error?

            I am scheduled to give a deposition as a "fact witness" in a medical malpractice case involving a patient I treated. Will OMIC assign an attorney to represent me?

            Will OMIC reimburse me for lost wages as a result of court appearances?

            Will my OMIC policy cover me for claims arising from testimony I give as an expert witness?

            Does OMIC participate in state Insurance Guaranty Funds?

            Is OMIC's ability to pay claims limited by the amount of capital it has?

            If I report a claim to OMIC and subsequently cancel my policy, will OMIC cover the claim?

            If I have a claim, will it increase my premium or allow you to cancel my coverage?

            If I report an incident before it becomes a claim, won't it look bad on my record and cause my premium to go up?

  •   -- Pre-claim Advice (1)

            Should I have my patients sign an arbitration agreement?

• Legal

• OMIC Coverage for Practice - Q&A

  •   -- Changes in My Practice (4)

            Hospital Privileges

            Do I need to notify you of changes in my staff during the policy period?

            What changes in my practice should I contact you about?

            What happens if my practice changes after I am insured with OMIC?

  •   -- Coverage for Employees (21)

            As a technician, do I need my own professional liability policy?

            The application asks how many physician’s assistants and surgical assistants I employ. Should I also list how many nurses and technicians I employ?

            Locum Tenens Application

            What coverage exists for my ancillary personnel?

            Are leased employees covered under my policy?

            Another doctor wants to lease my employees. Are they covered under my policy?

            I would like to have former surgical patients serve as volunteers to mentor and assist current patients undergoing similar procedures. Do we have coverage for this?

            Is my technician covered for administering cosmetic Botox injections?

            Will OMIC insure my ancillary staff for the performance of fluorescein angiography?

            Does OMIC require that our employees be certified in CPR?

            Does my optometrist or nurse anesthetist have to be insured?

            Can I purchase coverage from OMIC for my optometrist?

            Can I purchase coverage from OMIC for my nurse anesthetist?

            How do the limits work when my employed optometrist carries “shared” liability limits with me?

            Is my optometrist covered for prescribing Latisse?

            Can my optometrist take call for me?

            Do I need to notify you of changes in my staff during the policy period?

            Does OMIC provide Locum Tenens coverage?

            I am thinking about employing a plastic surgeon. Will OMIC cover me if I am named in a claim for services he rendered?

            Nurse Anesthetist Application

            Optometrist Application

  •   -- Coverage for Entities (20)

            What is covered by the Broad Regulatory and Cyber/e-MD Protection benefit included in OMIC's Policy?

            Can OMIC cover practices owned by private equity firms?

            Do I have increased liability exposure if I lease my surgical equipment to other ophthalmologists?

            Medical Spa Application

            Optical Shop Application

            We are considering importing a drug from a wholesaler in another country. Is this acceptable?

            Should I insure my professional entity?

            Can OMIC insure my corporation or partnership?

            Do I need entity coverage for my limited liability corporation or partnership?

            I am in a group practice but also have my own limited liability corporation (LLC). Does my corporation need to be named on my policy?

            What happens to my solo corporation's coverage if my employed physician becomes a shareholder?

            What coverage does OMIC provide to physicians who share an office but aren't in a formal partnership or corporation?

            Is coverage available for my Outpatient Surgical Facility (OSF)?

            What are OMIC's Outpatient Surgical Facility (OSF) requirements?

            Is my in-office surgical suite considered an “outpatient surgical facility” for underwriting or coverage purposes?

            Will OMIC cover me if I allow other physicians to use my surgical suite and I am named in a claim as a result?

            Do I need coverage for my optical shop?

            Can OMIC include my Management Services Organization as an additional insured?

            Outpatient Surgical Facility (OSF) Application

            Entity Application

  •   -- Coverage for Groups (46)

            What is covered by the Broad Regulatory and Cyber/e-MD Protection benefit included in OMIC's Policy?

            Am I covered for administering COVID vaccinations?

            Can OMIC cover practices owned by private equity firms?

            Do I have increased liability exposure if I lease my surgical equipment to other ophthalmologists?

            We have applied for a CLIA waiver in order to perform simple laboratory tests that are on the waiver list. Will OMIC cover our practice for performing these tests?

            Slot Application

            What is OMIC's position concerning satisfaction guarantees or warranties?

            Locum Tenens Application

            Can I carry higher limits than the other members of my group practice carry?

            Does OMIC offer professional liability limits below $500,000 per claim?

            I practice in Virginia. Am I required to increase my limits every year?

            If I’m in a Patient Compensation or Excess Liability Fund state, can I buy OMIC coverage and still participate in the benefits of the PCF?

            We are considering importing a drug from a wholesaler in another country. Is this acceptable?

            Should I insure my professional entity?

            Can OMIC insure my corporation or partnership?

            Do I need entity coverage for my limited liability corporation or partnership?

            I am in a group practice but also have my own limited liability corporation (LLC). Does my corporation need to be named on my policy?

            What happens to my solo corporation's coverage if my employed physician becomes a shareholder?

            What coverage does OMIC provide to physicians who share an office but aren't in a formal partnership or corporation?

            Is coverage available for my Outpatient Surgical Facility (OSF)?

            What are OMIC's Outpatient Surgical Facility (OSF) requirements?

            Is my in-office surgical suite considered an “outpatient surgical facility” for underwriting or coverage purposes?

            Will OMIC cover me if I allow other physicians to use my surgical suite and I am named in a claim as a result?

            Do I need coverage for my optical shop?

            Can OMIC include my Management Services Organization as an additional insured?

            We are considering dispensing ophthalmic ointments and drugs to our patients. Will my policy cover me for these activities?

            Will my policy cover me if I sell vitamins in my office?

            We are thinking of offering audiology services to our patients. Will our OMIC policy cover these activities?

            What coverage exists for my ancillary personnel?

            Are leased employees covered under my policy?

            Another doctor wants to lease my employees. Are they covered under my policy?

            I would like to have former surgical patients serve as volunteers to mentor and assist current patients undergoing similar procedures. Do we have coverage for this?

            Does OMIC require that our employees be certified in CPR?

            Does my optometrist or nurse anesthetist have to be insured?

            Can I purchase coverage from OMIC for my optometrist?

            Can I purchase coverage from OMIC for my nurse anesthetist?

            How do the limits work when my employed optometrist carries “shared” liability limits with me?

            Can my optometrist take call for me?

            Do I need to notify you of changes in my staff during the policy period?

            Does OMIC provide Locum Tenens coverage?

            I am thinking about employing a plastic surgeon. Will OMIC cover me if I am named in a claim for services he rendered?

            Does OMIC offer a group discount?

            Nurse Anesthetist Application

            Optometrist Application

            Outpatient Surgical Facility (OSF) Application

            Entity Application

  •   -- Coverage for Ophthalmologists (37)

            What is covered by the Broad Regulatory and Cyber/e-MD Protection benefit included in OMIC's Policy?

            Am I covered for administering COVID vaccinations?

            I would like to administer COVID testing on my pre-surgical patients. Is this covered under my OMIC policy?

            Will OMIC cover me if I perform elective or routine procedures during the COVID-19 outbreak and a claim arises?

            Hospital Privileges

            What happens to my coverage if I move?

            Does my OMIC policy allow me to co-manage my post-operative patients?

            Am I covered under my OMIC policy if I recommend the use of marijuana for ophthalmic conditions?

            Will OMIC insure me for my liability as a consultant to pharmaceutical companies or device manufacturers?

            Am I covered by OMIC for performing preoperative histories and physical exams (H&Ps) for my surgical patients?

            We have applied for a CLIA waiver in order to perform simple laboratory tests that are on the waiver list. Will OMIC cover our practice for performing these tests?

            What is OMIC's position concerning satisfaction guarantees or warranties?

            Locum Tenens Application

            Can I carry higher limits than the other members of my group practice carry?

            Does OMIC offer professional liability limits below $500,000 per claim?

            I practice in Virginia. Am I required to increase my limits every year?

            If I’m in a Patient Compensation or Excess Liability Fund state, can I buy OMIC coverage and still participate in the benefits of the PCF?

            We are considering importing a drug from a wholesaler in another country. Is this acceptable?

            If I practice in New York, will I qualify for free excess coverage?

            Can OMIC provide coverage for services I render while under contract?

            Can OMIC insure me if I practice at a commercial refractive laser center?

            Does my policy cover me for services I render at my local nursing home?

            A patient filed a complaint with my state medical board. Is this covered under my policy?

            Will OMIC defend me for regulatory investigations and actions?

            Suspension of Coverage

            Will OMIC insure me for my new practice activities if I return to practice following an extended sabbatical?

            Does OMIC insure physicians for proctoring other ophthalmologists?

            Will OMIC cover me for supervising residents?

            We are considering dispensing ophthalmic ointments and drugs to our patients. Will my policy cover me for these activities?

            Will my policy cover me if I sell vitamins in my office?

            I review medical records for the DMV and provide advice whether the person presents an increased driving risk. Does my OMIC policy cover me for these activities?

            I have been asked to take call at my hospital but I practice in a reduced scope. Can I still take call?

            I have been asked to perform surgery for a televised event. Will my OMIC policy cover this procedure?

            The training course I am taking in another state to learn a new procedure offers hands-on opportunities. Will OMIC cover me for cases I perform during this training program?

            Will OMIC cover me for volunteer services I render in another country?

            Does OMIC offer coverage in Puerto Rico or other territories/countries outside of the US?

            Does my policy cover me for my liability as Medical Director of a medi-spa?

  •   -- Coverage for Regulatory Exposures and Other Issues (12)

            What is covered by the Broad Regulatory and Cyber/e-MD Protection benefit included in OMIC's Policy?

            Will OMIC insure me for my liability as a consultant to pharmaceutical companies or device manufacturers?

            What is OMIC's position concerning satisfaction guarantees or warranties?

            What coverage for regulatory exposures such as fraud and abuse billing actions and HIPAA violations are covered by OMIC's policy?

            Will OMIC defend me for regulatory investigations and actions?

            Does OMIC insure physicians for proctoring other ophthalmologists?

            Will OMIC reimburse me for lost wages as a result of court appearances?

            Will my OMIC policy cover me for claims arising from testimony I give as an expert witness?

            Will OMIC cover me if I am sued for reporting another physician to the licensing board or hospital?

            Will OMIC cover my peer review and utilization review activities?

            Does my OMIC policy cover me for "breach of confidentiality" claims if a patient's medical information becomes public?

            Is premises coverage included?

  •   -- Tails (Extended Reporting Period) (4)

            If I have to pay for a "tail", how much will it cost?

            Is the "tail" ever free of charge?

            Does OMIC offer a "tail" when I leave the company?

            What happens to my coverage if I cancel?

• Policy Q&A

  •   -- Policy Issues (1)

            Online Renewal Applications

• Publications

  •         

  •   -- A.M. Best Report (1)

            Does OMIC have a "Best" Rating?

  •   -- OMIC Digest (2)

            MPL insurance for young ophthalmologists