Policyholder Services



Will OMIC cover me for implantation of a multifocal intraocular lens?

Updated 10/2/2019

Yes. OMIC covers claims against insured ophthalmologists who implant multifocal intraocular lenses in conjunction with cataract surgery or refractive lens exchange (RLE) (subject to standard policy terms and conditions). While multifocal intraocular lenses are FDA-approved for use in cataract surgery, they are used off-label for RLE. OMIC requires that surgeons advise RLE patients of this off-label use.

Risk Management Advice: OMIC recommends that the surgeon discuss with the patient the option of monovision with monofocal implants, demonstrate monovision in the office with contact lenses, and document that the patient does not accept this alternative. OMIC also recommends that the surgeon discuss with the patient the less expensive option of undergoing surgery with treatment of both eyes for distance, with continued use of reading glasses following surgery. Discussion of both options and demonstration of monovision should be carefully documented in the patient’s medical record. OMIC believes that the discussion and demonstration of monovision as an option is an important component of a complete informed consent process and that it should be done on all patients considering multifocal intraocular lenses. As discussed above, surgeons must advise patients of the off-label use of multifocal lenses for RLE. OMIC recommends that physicians document this discussion in the patient’s medical record and informed consent form.

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OMIC is the largest insurer of ophthalmologists in the United States and we've been the only physician-owned carrier to continuously offer coverage in all states since 1987 (pending in WI). Our fully portable policy can be taken with you wherever you practice. Should you move to a new state or territory, you're covered without the cost or headache of applying for new coverage.

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