Policyholder Services

Will OMIC cover me if I allow other physicians to use my surgical suite and I am named in a claim as a result?

Even if your surgical suite is not a formal ambulatory surgical center, the liability exposure of allowing other physicians to perform surgery there is similar to that of an ASC. You may incur direct liability for allegedly failing to properly credential the physician, you may have liability exposure arising from the non-physician staff you employ, and you may be named vicariously in a claim for services rendered by the physicians who utilize your facility. Because of this increased risk, OMIC requests that all physicians who have a surgery center or allow other physicians to use their in-office surgical suite to complete an OSF Application. OMIC evaluates the facility’s licensure/accreditation (if any), credentialing procedures, quality assurance and risk management programs, anesthesia-related issues, emergency protocols, and scope and volume of practice as well as other underwriting issues to determine whether coverage can be extended. Depending upon the ownership and usage of the facility, the scope and volume of procedures performed, and whether limits of liability are to be “shared” with the owner physician/entity or “separate,” an additional premium may apply.

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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.