What Do We Cover? More Than You Might Expect!

FACT:
Tail coverage is provided at no additional charge for the following reasons:

• Death
• Permanent disability or retirement at age 55+ with 5 consecutive years of coverage
• After 10 consecutive years of continuous policy coverage

If you don't qualify for free tail coverage, you can buy it as a one-time, non-cancelable, and never-expiring option.

FACT:
We offer coverage for telemedicine, as long as you are licensed, and practicing in a state where telemedicine is permitted.

Coverage depends on the type of practice.

FACT:
Although cosmetic and aesthetic procedures are excluded by the policy, our doctors may endorse the policy to cover these procedures, subject to underwriting approval.

NCMIC covers a variety of treatments, including*:

• Microneedling with PRP injection
• Botox
• Hair restoration
• Scar and acne treatment

*Subject to underwriting approval
 

NCMIC views home practice the same as traditional brick-and-mortar practice.

FACT:
NCMIC covers a variety of medicinal products, as long as they are within your state's scope of practice. Some examples include:

• Marijuana
• Psilocybin
• Ketamine

Additional questions may include:

• How often can patients undergo this therapy?

• Have you received additional training to administer this procedure?

• Do you require a referral or work with a psychiatrist or licensed counselor?

• Do you need a medical release from a PCP?

• What percentage of your practice will be devoted to this?