Policyholder Services



Common procedures covered under OMIC’s four coverage classifications

To meet the diverse needs of our insureds, OMIC offers four coverage classifications:

Ophthalmology – No Surgery includes coverage only for non-surgical activities. Covered activities include the diagnosis and non-surgical treatment of diseases (other than screening for or treating retinopathy of prematurity), prescription of glasses or contacts, mechanical epilation, adult diagnostic canalicular probing or irrigation under topical anesthesia, punctal closure with plugs, and removal of superficial foreign bodies from the cornea and conjunctiva.

Ophthalmology – Surgery Class 1 includes coverage for non-surgical ophthalmology (other than screening for or treating retinopathy of prematurity) as defined above and the following surgical procedures: removal of sutures; fluorescein angiography; tear duct probing or irrigation done under local anesthetic; repair of minor lid lacerations limited to the skin and/or muscle; repair of minor conjunctival lacerations; biopsy of lid tumors; biopsy of the conjunctiva; removal of cysts and other suspected non-cancerous skin lesions and tumors; removal of corneal epithelium; implantation of eye jewelry; incision and drainage; canthotomy/cantholysis (without tarsal strip fixation or other suturing); punctal occlusion with cautery; laser punctal closure; hair removal using radio frequency/light energies, photo-epilation, electrical epilation, or laser;    intramuscular injections; intravenous injections; subconjunctival injections; injection of botulinum toxin, hyaluronic acid, or other fillers; stromal puncture; micropigmentation; microdermabrasion; dermaplaning and superficial chemical peels limited to the epidermis; skin rejuvenation/tightening using non-invasive, non-ablative techniques; microneedling (with or without radio frequency or other energy); non-invasive cellulite reduction; non-invasive lipolysis; chemical lipolysis; blue light acne treatment (with or without use of photodynamic therapy); treatment of spider veins using IPL or lasers; removal of papillomas and chalazions; cryotherapy of the lid; thermal pulsation therapy for chronic cystic conditions of the eyelids; suture tarsorrhaphy; marginal adhesion tarsorrhaphy without incision into the tarsus; non-incisional entropion or ectropion repair; and percutaneous skin scratch testing and sublingual immunotherapy (SLIT) for the treatment of ocular allergies.

Ophthalmology – Surgery Class 2 includes coverage for non-surgical ophthalmology (other than screening for or treating retinopathy of prematurity) and Surgery Class 1 procedures as defined above, assisting in surgery, and the following additional surgical procedures: laser capsulotomy, laser iridotomy, laser iridectomy, laser iridoplasty, laser trabeculoplasty, wedge resection for suspected non-cancerous tumors, laser ablation of corneal vessels, cautery for conjunctivochalasis, temporal artery biopsy, depression of the posterior paracentesis site, periocular injections, periorbital injections, peribulbar injections, retrobulbar injections, and sub-Tenons injections. Note: Intracameral/intravitreal injections, skin resurfacing, and retina laser treatments require Surgery Class 3 coverage.

Ophthalmology – Surgery Class 3 includes coverage for non-surgical ophthalmology, assisting in surgery, and all surgical procedures considered ordinary and customary for the practice of ophthalmology, including screening for or treating retinopathy of prematurity. Coverage of intraocular refractive surgery procedures (e.g., refractive lens exchange and phakic implants) is subject to underwriting review and endorsement.

Updated 5/29/2018

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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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