Policyholder Services

What happens to the claim after a file is created?

Our representative will contact you to review the medical records and discuss any other aspects of your care and treatment of the patient. As needed, we’ll communicate directly with the claimant or the claimant’s attorney to request related medical records, x-rays, or reports from subsequent treating physicians, as well as to obtain information about the injury and damages actually sustained. We’ll do everything necessary to thoroughly and properly evaluate your claim. After we complete our initial investigation, an ophthalmologist on the OMIC Board or Claims Committee will review your medical records to ultimately help defense counsel evaluate whether the care given is supportable, as well as to identify strengths and weaknesses in the case, and if possible, determine whether your treatment meets the acceptable standard of care. This review is done in anticipation of litigation and with your assigned attorney or claims associate.

If the claim is or develops into a lawsuit, your attorney will keep you involved in all aspects of your case, including significant developments and expert selection.  Your attorney will conduct all meaningful discovery, confer with us and with you on defense strategy, and ultimately try the case if it goes to trial.

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

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 $90 Million to our members through dividends.