Policyholder Services

Does my policy cover me for services I render at my local nursing home?

In most cases, OMIC will insure physicians for ophthalmic services they render at a nursing home as a portion of their overall practice activities. However, due to some of the unique exposures that these activities may present, OMIC carefully evaluates the nature and scope of activities before determining whether the physician is eligible for coverage. Serving as the contracted provider to dozens of facilities scattered throughout a geographic region, for example, presents a drastically different risk profile than rendering services to a limited number of patients at one or two proximally located nursing homes. Therefore, OMIC is interested in knowing the number of facilities that will be served, how many patients the physician will be responsible for, and how geographically dispersed the facilities are. Other important information needed for assessing the risk include the scope of services that will be provided; the type of equipment available to the physician; protocols for patient follow-up, referrals, emergencies, and hospitalization; and whether medical records are maintained for each visit. OMIC’s risk management staff is available to provide insureds with guidance on these issues to help minimize the potential liability exposure and to aid in the defense of any resulting claims.