AAOIC
Orthoshield

Question 9: Are claims from Clear Aligner Therapy treatments common?

Short answer: Yes, very common..

Claims related to Clear Aligner Therapy treatments are reported frequently, and the standard of care is the same as with fixed braces. One of the most common issues is posterior open bite, which tends to be more prevalent with Clear Aligner Therapy treatments compared to braces. Careful treatment planning, patient communication, and documentation are essential in reducing claim risk.

Question 8: Should I purchase a claims-made or occurrence policy?

Short answer: It depends on your needs!.

Both policy types offer solid malpractice protection, but the right fit depends on your practice stage and preferences:

• Claims-made policies provide coverage only if the policy is active when both the treatment and the claim occur. They typically cost less at first but require purchasing tail coverage if you cancel or switch carriers.
• Occurrence policies cover any claim for treatment provided during the policy period, even if the claim is filed years later—no tail coverage needed.

If you're just starting out and want lower premiums, a claims-made policy may be a good fit. But if you prefer simplicity and long-term flexibility, an occurrence policy might be worth the higher initial cost. AAOIC offers both options, so you can choose what works best for your practice.

Question 7: How do I find the risk management webinar for a discount on my premium?

Short answer: Get started at aaoic.com/aaoic-risk-management.

Did you miss the doctor's risk management program at the AAO annual session? Don't worry! You can still receive a 10% discount off your premium when you watch the entire Online Risk Management Program and successfully complete a test. Visit aaoic.com/aaoic-risk-management today.

Question 6: Why must I purchase stock in AAOIC?

Short answer: It's a small one-time investment that makes you a shareholder in the company.

This small $20 investment is for the purchase of stock that makes you a stockholder in your insurance company. More importantly, this investment allows you to share in the earnings of the company when dividends are issued!

Question 5: What do I need to do if I receive notice of a claim or complaint?

Short answer: First, you'll want to contact our claims department at (800) 240-2650.

Some important information for you to know:

• With AAOIC being comprised of orthodontists, we have a tremendous claims team
• Records are reviewed independently by four orthodontic members on the AAOIC claims committee; they have decades of orthodontic experience
• AAOIC's policy pays for defense costs beyond what traditional companies pay
• We will never settle a claim without your consent

Question #4: If I am graduating from my orthodontic program soon, when should I apply for my malpractice policy?

Short answer: Contact AAOIC 4-8 weeks before graduating.

Applying early guarantees your coverage starts the moment you begin practicing, helps you meet employer requirements, and qualifies you for AAOIC's exclusive new graduate offer—just $25 for an occurrence¹ policy in your first year!² Our representatives are here to make the process easy and hassle-free.

Question 3: How does my malpractice policy work if I work at multiple locations/practices?

Short answer: AAOIC's policy is portable!

AAOIC's policy is portable and easy to manage. You can add multiple locations to one policy, allowing you flexibility in managing your coverage.

Question 2: How long does the application process take?

Short answer: It's fast!

On average, it only takes between 2–4 business days to process a policy once documents are received.