Policyholder Services

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

Yes! Effective 1/1/2007, OMIC created a new, even lower-rated coverage classification for purely non-surgical practice activities. This class is rated at approximately 33% of the full surgical classification (Surgery Class 3). Ophthalmologists who restrict their surgical activities to procedures such as removal of papillomas and chalazions, repair of minor lid lacerations, and injection of botulinum toxin or collagen and other fillers may qualify for OMIC’s Ophthalmology – Surgery Class 1 classification. Surgery Class 1 is rated at approximately 37% of the full surgical premium.

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

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 a 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 has consistently maintained lower base rates than multispecialty carriers in the U.S.