Policyholder Services

How soon after a refractive surgery procedure can the first post-operative exam occur?

While OMIC does require that the first postoperative exam following intraocular refractive surgery occur within the first 36 hours, the company has not developed underwriting requirements with respect to the minimum time interval after surgery that an insured must wait before performing the first postoperative exam. From a risk management perspective, the first postoperative exam should take place at a time interval designed to rule out the most serious postoperative complications. This interval will vary depending upon the patient and the type of procedure performed. For a LASIK procedure, for example, the first examination is designed to confirm placement and integrity of the flap. Therefore, the first exam should not occur until the flap is deemed by the surgeon to be relatively stable. Waiting a minimum of one hour (or, ideally, several hours) after the refractive surgery procedure will allow the eye time to stabilize and will give the insured the opportunity to confirm that the flap has not slipped (LASIK), the contact lens has not been displaced (PRK), and the patient is not suffering from a problem related to severe dry eyes or experiencing other clinically relevant complications or side effects.


Updated 12/8/2015

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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.