{"id":25344,"date":"2026-06-05T09:00:00","date_gmt":"2026-06-05T13:00:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=25344"},"modified":"2026-06-02T08:13:08","modified_gmt":"2026-06-02T12:13:08","slug":"%ec%82%ac%ea%b3%a0-%ed%9b%84-%ec%96%b4%eb%94%94%ec%84%9c-%ec%a7%84%eb%a3%8c%eb%b0%9b%ec%95%84%ec%95%bc-%ed%95%98%eb%82%98-nj-%ed%95%9c%ec%9d%b8-%ec%9d%98%ec%82%ac-%eb%84%a4%ed%8a%b8%ec%9b%8c","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/%ec%82%ac%ea%b3%a0-%ed%9b%84-%ec%96%b4%eb%94%94%ec%84%9c-%ec%a7%84%eb%a3%8c%eb%b0%9b%ec%95%84%ec%95%bc-%ed%95%98%eb%82%98-nj-%ed%95%9c%ec%9d%b8-%ec%9d%98%ec%82%ac-%eb%84%a4%ed%8a%b8%ec%9b%8c\/","title":{"rendered":"\uc0ac\uace0 \ud6c4 \uc5b4\ub514\uc11c \uc9c4\ub8cc\ubc1b\uc544\uc57c \ud558\ub098 \u2014 NJ \ud55c\uc778 \uc758\uc0ac \ub124\ud2b8\uc6cc\ud06c \ud65c\uc6a9\ubc95"},"content":{"rendered":"\n<!-- \uc1a1\ub85c\ud38c \uce7c\ub7fc #9 \u2014 \ud55c\uad6d\uc5b4 -->\n<style>\n.slf-pi { font-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, \"Noto Sans KR\", \"Apple SD Gothic Neo\", sans-serif; color: #222; line-height: 1.8; max-width: 820px; margin: 0 auto; padding: 0 20px; word-break: keep-all; }\n.slf-pi * { box-sizing: border-box; }\n.slf-pi h1.slf-col-h1 { font-size: 32px; font-weight: 800; color: #1a3a5c; line-height: 1.3; margin: 0 0 18px; }\n.slf-pi .slf-byline { display: flex; flex-wrap: wrap; gap: 12px 18px; padding: 14px 18px; background: #f7f5f0; border-left: 3px solid #b8860b; margin: 0 0 32px; font-size: 13px; color: #666; }\n.slf-pi .slf-byline strong { color: #1a3a5c; }\n.slf-pi .slf-key-answer { background: linear-gradient(135deg, #fff8e7 0%, #faf3e0 100%); border: 1px solid #b8860b; padding: 22px 26px; border-radius: 6px; margin: 0 0 36px; }\n.slf-pi .slf-key-answer .slf-ka-label { font-size: 12px; font-weight: 700; color: #b8860b; text-transform: uppercase; letter-spacing: 1.5px; margin-bottom: 8px; }\n.slf-pi .slf-key-answer p { font-size: 16px; color: #333; margin: 0; line-height: 1.75; }\n.slf-pi .slf-toc { background: #f7f5f0; padding: 20px 26px; margin: 0 0 36px; border-radius: 4px; }\n.slf-pi .slf-toc .slf-toc-label { font-size: 13px; font-weight: 700; color: #1a3a5c; margin-bottom: 10px; }\n.slf-pi .slf-toc ol { margin: 0; padding-left: 22px; }\n.slf-pi .slf-toc li { font-size: 14px; color: #555; margin-bottom: 6px; }\n.slf-pi .slf-toc a { color: #1a3a5c; text-decoration: none; border-bottom: 1px solid transparent; }\n.slf-pi .slf-toc a:hover { border-bottom-color: #b8860b; color: #b8860b; }\n.slf-pi h2.slf-col-h2 { font-size: 24px; font-weight: 700; color: #1a3a5c; margin: 44px 0 16px; line-height: 1.35; }\n.slf-pi h3.slf-col-h3 { font-size: 19px; font-weight: 700; color: #1a3a5c; margin: 28px 0 12px; }\n.slf-pi p { font-size: 16px; margin: 0 0 16px; color: #333; }\n.slf-pi ul, .slf-pi ol { font-size: 16px; color: #333; padding-left: 22px; margin: 0 0 18px; }\n.slf-pi li { margin-bottom: 8px; }\n.slf-pi strong { color: #1a3a5c; }\n.slf-pi table { width: 100%; border-collapse: collapse; margin: 18px 0 26px; font-size: 15px; }\n.slf-pi th { background: #1a3a5c; color: #fff; padding: 10px 12px; text-align: left; font-weight: 600; }\n.slf-pi td { padding: 10px 12px; border-bottom: 1px solid #e8e4dc; vertical-align: top; }\n.slf-pi .slf-callout { background: #f0f5fa; border-left: 4px solid #1a3a5c; padding: 16px 20px; margin: 20px 0; font-size: 15px; color: #333; border-radius: 0 4px 4px 0; }\n.slf-pi .slf-callout strong { color: #1a3a5c; }\n.slf-pi .slf-faq-section { margin-top: 48px; padding-top: 36px; border-top: 2px solid #e8e4dc; }\n.slf-pi .slf-q { background: #fff; border: 1px solid #e8e4dc; margin-bottom: 12px; border-radius: 4px; overflow: hidden; }\n.slf-pi .slf-q[open] { box-shadow: 0 4px 16px rgba(26,58,92,.08); }\n.slf-pi .slf-q summary { padding: 16px 48px 16px 20px; cursor: pointer; font-weight: 600; font-size: 16px; color: #1a3a5c; position: relative; list-style: none; }\n.slf-pi .slf-q summary::-webkit-details-marker { display: none; }\n.slf-pi .slf-q summary::after { content: \"+\"; position: absolute; right: 18px; top: 50%; transform: translateY(-50%); font-size: 22px; color: #b8860b; }\n.slf-pi .slf-q[open] summary::after { content: \"\u2212\"; }\n.slf-pi .slf-q .slf-a { padding: 0 20px 18px; font-size: 15px; color: #444; line-height: 1.8; }\n.slf-pi .slf-related { background: #f7f5f0; padding: 24px; margin: 40px 0; border-radius: 4px; }\n.slf-pi .slf-related .slf-related-label { font-size: 13px; font-weight: 700; color: #b8860b; text-transform: uppercase; letter-spacing: 1.5px; margin-bottom: 12px; }\n.slf-pi .slf-related ul { margin: 0; padding-left: 22px; }\n.slf-pi .slf-related a { color: #1a3a5c; text-decoration: none; border-bottom: 1px solid #b8860b; }\n.slf-pi .slf-related a:hover { color: #b8860b; }\n.slf-pi .slf-cta { background: #1a3a5c; color: #fff; padding: 32px 28px; text-align: center; border-radius: 6px; margin: 40px 0 24px; }\n.slf-pi .slf-cta h3 { color: #fff; margin: 0 0 12px; font-size: 22px; }\n.slf-pi .slf-cta p { color: #d9e1ec; font-size: 16px; margin: 0 0 20px; }\n.slf-pi .slf-cta a.slf-btn { display: inline-block; background: #b8860b; color: #fff; padding: 14px 28px; text-decoration: none; font-weight: 700; border-radius: 4px; font-size: 16px; }\n.slf-pi .slf-cta a.slf-btn:hover { background: #a07408; }\n.slf-pi .slf-cta .slf-cta-contacts { text-align: left; max-width: 380px; margin: 0 auto 20px; padding: 18px 22px; background: rgba(255,255,255,.08); border-radius: 6px; }\n.slf-pi .slf-cta .slf-cta-row { color: #fff; font-size: 15px; margin: 0 0 8px; line-height: 1.7; }\n.slf-pi .slf-cta .slf-cta-row:last-child { margin-bottom: 0; }\n.slf-pi .slf-cta .slf-cta-row a { color: #fff; text-decoration: none; border-bottom: 1px solid rgba(255,255,255,.4); }\n.slf-pi .slf-cta .slf-cta-row a:hover { border-color: #b8860b; }\n.slf-pi .slf-cta .slf-cta-icon { display: inline-block; width: 22px; }\n.slf-pi .slf-disclaimer-block { margin: 32px 0 24px; padding: 20px 24px; background: #f7f5f0; border-left: 3px solid #888; border-radius: 0 4px 4px 0; font-size: 12.5px; color: #666; line-height: 1.75; }\n.slf-pi .slf-disclaimer-block .slf-disclaimer-label { font-size: 12px; font-weight: 700; color: #555; margin-bottom: 10px; letter-spacing: 1px; }\n.slf-pi .slf-disclaimer-block p { font-size: 12.5px; color: #666; margin: 0 0 10px; line-height: 1.75; }\n.slf-pi .slf-disclaimer-block p:last-child { margin-bottom: 0; }\n.slf-pi .slf-disclaimer-block .slf-disclaimer-firm { color: #444; font-size: 12.5px; padding-top: 8px; border-top: 1px solid #e0ddd5; margin-top: 12px; }\n@media (max-width: 600px) {\n  .slf-pi h1.slf-col-h1 { font-size: 26px; }\n  .slf-pi h2.slf-col-h2 { font-size: 21px; }\n  .slf-pi p, .slf-pi ul, .slf-pi ol { font-size: 15.5px; }\n  .slf-pi .slf-key-answer p { font-size: 15px; }\n  .slf-pi table { font-size: 14px; }\n}\n<\/style>\n<article class=\"slf-pi\">\n  <h1 class=\"slf-col-h1\">\uc0ac\uace0 \ud6c4 \uc5b4\ub514\uc11c \uc9c4\ub8cc\ubc1b\uc544\uc57c \ud558\ub098 \u2014 NJ \ud55c\uc778 \uc758\uc0ac \ub124\ud2b8\uc6cc\ud06c \ud65c\uc6a9\ubc95<\/h1>\n  <div class=\"slf-key-answer\">\n    <div class=\"slf-ka-label\">\ud55c \uc904 \ub2f5\ubcc0<\/div>\n    <p>\uc0ac\uace0 \ud6c4 <strong>48\uc2dc\uac04 \uc548\uc5d0 \uc751\uae09\uc2e4(ER) \uc9c4\ub8cc\uac00 \ud544\uc218<\/strong>\uc774\uba70, \uadf8 \ub4a4\uc5d0\ub294 <strong>PIP \ucc98\ub9ac \uacbd\ud5d8\uc774 \ub9ce\uc740 \ud55c\uc778 \ud1b5\uc99d\uc758\ud559\uacfc\u00b7\uc815\ud615\uc678\uacfc\u00b7\uc7ac\ud65c\uc758\ud559\uacfc\u00b7\ud55c\uc758\uc6d0 \ub124\ud2b8\uc6cc\ud06c<\/strong>\uc5d0\uc11c <strong>6~12\uc8fc \ucd94\uc801 \uc9c4\ub8cc<\/strong>\uac00 \ud569\uc758\uae08\uc5d0 \uacb0\uc815\uc801\uc785\ub2c8\ub2e4. \uc9c4\ub8cc \uacf5\ubc31(Gap in Treatment)\uc774 2\uc8fc \uc774\uc0c1\uc774\uba74 \ud569\uc758\uae08\uc774 \ud070 \ud3ed\uc73c\ub85c \uc0ad\uac10\ub418\ubbc0\ub85c \uc815\uae30\uc131\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n  <\/div>\n  <div class=\"slf-toc\">\n    <div class=\"slf-toc-label\">\ud83d\udcd1 \ubaa9\ucc28<\/div>\n    <ol>\n      <li><a href=\"#sec-1\">\uc0ac\uace0 \uc9c4\ub8cc\uc758 3\ub2e8\uacc4 \u2014 \uc751\uae09 \u2192 \uc9c4\ub2e8 \u2192 \uc7a5\uae30 \uc7ac\ud65c<\/a><\/li>\n      <li><a href=\"#sec-2\">\uc0ac\uace0 \ud6c4 \uccab \uc9c4\ub8cc\ub294 \uc5b4\ub290 \uacfc\ub85c \uac00\uc57c \ud558\ub098<\/a><\/li>\n      <li><a href=\"#sec-3\">PIP \ucc98\ub9ac \uacbd\ud5d8\uc774 \ud48d\ubd80\ud55c \ud55c\uc778 \ud074\ub9ac\ub2c9 \uc720\ud615<\/a><\/li>\n      <li><a href=\"#sec-4\">&quot;\ub0b4 \ubcf4\ud5d8&quot; vs &quot;\uc0ac\uace0 \ubcf4\ud5d8(PIP)&quot; \uccad\uad6c \ucc28\uc774<\/a><\/li>\n      <li><a href=\"#sec-5\">\ud55c\uc778 \uc758\uc0ac\ub97c \ud1b5\ud55c \uc9c4\ub8cc\uac00 \ud569\uc758\uae08\uc5d0 \uc720\ub9ac\ud55c \uc774\uc720<\/a><\/li>\n      <li><a href=\"#sec-6\">\ud55c\uc758\uc6d0\u00b7\ub3c4\uc218\uce58\ub8cc\u00b7\ud1b5\uc99d\uc8fc\uc0ac \u2014 \uc5b4\ub514\uae4c\uc9c0 PIP\uac00 \ubcf4\uc7a5\ud558\ub098<\/a><\/li>\n      <li><a href=\"#sec-7\">\uc9c4\ub8cc \uc911\ub2e8\uc758 \uc704\ud5d8 \u2014 Gap in Treatment<\/a><\/li>\n    <\/ol>\n  <\/div>\n  <h2 id=\"sec-1\" class=\"slf-col-h2\">\uc0ac\uace0 \uc9c4\ub8cc\uc758 3\ub2e8\uacc4 \u2014 \uc751\uae09 \u2192 \uc9c4\ub2e8 \u2192 \uc7a5\uae30 \uc7ac\ud65c<\/h2>\n  <table>\n    <thead><tr>\n      <th>\ub2e8\uacc4<\/th>\n      <th>\uc2dc\uc810<\/th>\n      <th>\uc9c4\ub8cc \uc885\ub958<\/th>\n      <th>\ubaa9\uc801<\/th>\n    <\/tr><\/thead>\n    <tbody>\n      <tr>\n        <td>1\ub2e8\uacc4: \uc751\uae09<\/td>\n        <td>\uc0ac\uace0 \ub2f9\uc77c~48\uc2dc\uac04<\/td>\n        <td>ER \ub610\ub294 Urgent Care<\/td>\n        <td>\uc0dd\uba85 \uc704\ud611\u00b7\uace8\uc808 \uc989\uc2dc \ud310\ub2e8<\/td>\n      <\/tr>\n      <tr>\n        <td>2\ub2e8\uacc4: \uc9c4\ub2e8<\/td>\n        <td>\uc0ac\uace0 \ud6c4 3~14\uc77c<\/td>\n        <td>\ud1b5\uc99d\uc758\ud559\uacfc \/ \uc815\ud615\uc678\uacfc \/ \ud55c\uc758\uc6d0<\/td>\n        <td>\ub514\uc2a4\ud06c\u00b7\uc5f0\uc870\uc9c1 \uc190\uc0c1 \uc9c4\ub2e8<\/td>\n      <\/tr>\n      <tr>\n        <td>3\ub2e8\uacc4: \uc7ac\ud65c<\/td>\n        <td>\uc0ac\uace0 \ud6c4 2\uc8fc~6\uac1c\uc6d4<\/td>\n        <td>\ub3c4\uc218\uce58\ub8cc \/ \uce68\uc220 \/ \ud1b5\uc99d\uc8fc\uc0ac \/ \uc7ac\ud65c\uc758\ud559\uacfc<\/td>\n        <td>\ud68c\ubcf5 + \uc601\uad6c \uc190\uc0c1 \uc9c4\ub2e8\uc11c \uc900\ube44<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n  <div class=\"slf-callout\">\n    <strong>\uc911\uc694:<\/strong> 1\ub2e8\uacc4 ER \uc9c4\ub8cc\ub97c \ube60\ub728\ub9ac\uba74 \ud569\uc758\uae08\uc774 30~50% \uae4e\uc785\ub2c8\ub2e4. \ud1b5\uc99d\uc774 \uac00\ubccd\ub354\ub77c\ub3c4 \uc0ac\uace0 \ub2f9\uc77c ER\uc5d0 \ub2e4\ub140\uc640 &quot;\uc0ac\uace0 \uc9c1\ud6c4 \uc9c4\ub8cc \uae30\ub85d&quot;\uc744 \ub0a8\uae30\ub294 \uac83\uc774 \ud575\uc2ec\uc785\ub2c8\ub2e4.\n  <\/div>\n  <h2 id=\"sec-2\" class=\"slf-col-h2\">\uc0ac\uace0 \ud6c4 \uccab \uc9c4\ub8cc\ub294 \uc5b4\ub290 \uacfc\ub85c \uac00\uc57c \ud558\ub098<\/h2>\n  <ul>\n    <li><strong>ER (\uc751\uae09\uc2e4)<\/strong> \u2014 \uc0dd\uba85 \uc704\ud611\u00b7\uace8\uc808\u00b7\ub1cc\uc9c4\ud0d5 \uc758\uc2ec \uc2dc \uc6b0\uc120<\/li>\n    <li><strong>Urgent Care<\/strong> \u2014 ER\uc774 \ubd80\ub2f4\uc2a4\ub7fd\uac70\ub098 \ud1b5\uc99d\uc774 \uac00\ubcbc\uc6b8 \ub54c<\/li>\n    <li><strong>\ud1b5\uc99d\uc758\ud559\uacfc(Pain Management)<\/strong> \u2014 \uc77c\ubc18\uc801\uc778 \uc0ac\uace0 \ud6c4\uc18d \uc9c4\ub8cc<\/li>\n    <li><strong>\uc815\ud615\uc678\uacfc(Orthopedic)<\/strong> \u2014 \uace8\uc808\u00b7\uad00\uc808 \uc190\uc0c1<\/li>\n    <li><strong>\ud55c\uc758\uc6d0<\/strong> \u2014 \ubcf4\uc870 \uce58\ub8cc (\ub2e8\ub3c5 \uc9c4\ub8cc\ub294 \uad8c\uc7a5\ud558\uc9c0 \uc54a\uc74c)<\/li>\n    <li><strong>PCP(\uc8fc\uce58\uc758)<\/strong> \u2014 \uc77c\ubc18\uc801\uc73c\ub85c \uad8c\uc7a5\ud558\uc9c0 \uc54a\uc74c (\uc0ac\uace0 \uc9c4\ub8cc \uacbd\ud5d8 \ubd80\uc871)<\/li>\n  <\/ul>\n  <h2 id=\"sec-3\" class=\"slf-col-h2\">PIP \ucc98\ub9ac \uacbd\ud5d8\uc774 \ud48d\ubd80\ud55c \ud55c\uc778 \ud074\ub9ac\ub2c9 \uc720\ud615<\/h2>\n  <p>\ud55c\uc778 \uc758\ub8b0\uc778\uc758 \uc0ac\uace0 \uc9c4\ub8cc\uc5d0 \uc775\uc219\ud55c \ud074\ub9ac\ub2c9\uc740 \ub2e4\uc74c 5\uac00\uc9c0 \uc720\ud615\uc785\ub2c8\ub2e4. <strong>PIP \uccad\uad6c \uacbd\ud5d8\uc774 \ud48d\ubd80\ud55c \uacf3\uc744 \uc120\ud0dd<\/strong>\ud574\uc57c \ubcf4\ud5d8\uc0ac\uac00 \uccad\uad6c\ub97c \uac70\uc808\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n  <ol>\n    <li><strong>\ud1b5\uc99d\uc758\ud559\uacfc(Pain Management)<\/strong> \u2014 \ub514\uc2a4\ud06c\u00b7\uc2e0\uacbd\ud1b5\u00b7\uadfc\uc721\ud1b5 \uc885\ud569 \uad00\ub9ac<\/li>\n    <li><strong>\uc815\ud615\uc678\uacfc(Orthopedic)<\/strong> \u2014 \uace8\uc808\u00b7\uc218\uc220 \ud544\uc694 \uc2dc<\/li>\n    <li><strong>\uc7ac\ud65c\uc758\ud559\uacfc(Physical Medicine &amp; Rehabilitation, PM&amp;R)<\/strong> \u2014 \ub3c4\uc218\uce58\ub8cc + \ud1b5\uc99d\uc8fc\uc0ac<\/li>\n    <li><strong>\ud55c\uc758\uc6d0(Acupuncture \/ Chiropractic)<\/strong> \u2014 \uce68\uc220, \ub3c4\uc218\uce58\ub8cc<\/li>\n    <li><strong>MRI\/\uc601\uc0c1\uc758\ud559(Radiology)<\/strong> \u2014 \ub514\uc2a4\ud06c\u00b7\uc778\ub300 \uc190\uc0c1 \uac1d\uad00\uc801 \uc601\uc0c1 \uc9c4\ub2e8<\/li>\n  <\/ol>\n  <div class=\"slf-callout\">\n    <strong>\uc1a1\ub85c\ud38c\uc740 NJ \uc804\uc5ed\uc758 \ud55c\uc778 \uc758\uc0ac \ub124\ud2b8\uc6cc\ud06c\uc640 \ud611\ub825<\/strong>\ud558\uace0 \uc788\uc73c\uba70, \ud55c\uad6d\uc5b4 \uc9c4\ub8cc + PIP \uc9c1\uc811 \uccad\uad6c + \uc601\ubb38 \uc758\ubb34\uae30\ub85d \uc791\uc131\uc774 \uac00\ub2a5\ud55c \ud074\ub9ac\ub2c9\uc744 \uc758\ub8b0\uc778 \uac70\uc8fc\uc9c0\uc5d0 \ub530\ub77c \uc548\ub0b4\ud574\ub4dc\ub9bd\ub2c8\ub2e4.\n  <\/div>\n  <h2 id=\"sec-4\" class=\"slf-col-h2\">&quot;\ub0b4 \ubcf4\ud5d8&quot; vs &quot;\uc0ac\uace0 \ubcf4\ud5d8(PIP)&quot; \uccad\uad6c \ucc28\uc774<\/h2>\n  <table>\n    <thead><tr>\n      <th>\uad6c\ubd84<\/th>\n      <th>\ubcf8\uc778 \uc758\ub8cc\ubcf4\ud5d8<\/th>\n      <th>\uc790\ub3d9\ucc28 \ubcf4\ud5d8 PIP<\/th>\n    <\/tr><\/thead>\n    <tbody>\n      <tr>\n        <td>\ubcf8\uc778 \ubd80\ub2f4\uae08<\/td>\n        <td>Copay + Deductible<\/td>\n        <td><strong>$0 (PIP $250 deductible \u00b7 Copay \uc635\uc158 \uc678)<\/strong><\/td>\n      <\/tr>\n      <tr>\n        <td>\ub124\ud2b8\uc6cc\ud06c \uc81c\ud55c<\/td>\n        <td>In-Network\ub9cc \ubcf4\uc7a5<\/td>\n        <td><strong>\uc81c\ud55c \uc5c6\uc74c<\/strong><\/td>\n      <\/tr>\n      <tr>\n        <td>\uccad\uad6c \uc808\ucc28<\/td>\n        <td>\uc758\ub8cc\ubcf4\ud5d8 \uce74\ub4dc \uc81c\uc2dc<\/td>\n        <td>\uc790\ub3d9\ucc28 \ubcf4\ud5d8 + \uc0ac\uace0 \uc815\ubcf4 \uc81c\uacf5<\/td>\n      <\/tr>\n      <tr>\n        <td>\ubcf4\uc804\uad8c(Subrogation)<\/td>\n        <td>\uc758\ub8cc\ubcf4\ud5d8\uc0ac\uac00 \ud569\uc758\uae08\uc5d0\uc11c \ud68c\uc218<\/td>\n        <td>\uc5c6\uc74c<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n  <p>\uc0ac\uace0 \uc9c4\ub8cc\ub294 <strong>\ubc18\ub4dc\uc2dc PIP\ub85c \uccad\uad6c<\/strong>\ud574\uc57c \ud569\ub2c8\ub2e4. \ubcf8\uc778 \uc758\ub8cc\ubcf4\ud5d8\uc73c\ub85c \uccad\uad6c\ud558\uba74 deductible\u00b7copay \ubd80\ub2f4 + \ubcf4\uc804\uad8c \ud68c\uc218\ub85c \uacb0\uad6d \ubcf8\uc778 \ud68c\uc218\uc561\uc774 \uc904\uc5b4\ub4ed\ub2c8\ub2e4.<\/p>\n  <h2 id=\"sec-5\" class=\"slf-col-h2\">\ud55c\uc778 \uc758\uc0ac\ub97c \ud1b5\ud55c \uc9c4\ub8cc\uac00 \ud569\uc758\uae08\uc5d0 \uc720\ub9ac\ud55c \uc774\uc720<\/h2>\n  <ul>\n    <li><strong>\uc5b8\uc5b4 \uc7a5\ubcbd \uc81c\uac70<\/strong> \u2014 \uc815\ud655\ud55c \uc99d\uc0c1 \uc124\uba85 \u2192 \uc815\ud655\ud55c \uc9c4\ub2e8<\/li>\n    <li><strong>\ud55c\uad6d\uc5b4 \uc9c4\ub8cc + \uc601\ubb38 \uc758\ubb34\uae30\ub85d<\/strong> \u2014 \ubcf4\ud5d8\uc0ac \uccad\uad6c\uc6a9 \uc601\ubb38 \uae30\ub85d \uc644\ubcbd \uc791\uc131<\/li>\n    <li><strong>\ud55c\uc778 \uc758\ub8b0\uc778 \uc0ac\uace0 \ud328\ud134 \uc775\uc219<\/strong> \u2014 \ud55c\uc778\uc774 \uc790\uc8fc \ud638\uc18c\ud558\ub294 \ud1b5\uc99d \uc720\ud615 \uc815\ud655 \ud310\ub2e8<\/li>\n    <li><strong>PIP \uccad\uad6c \uc808\ucc28 \uc775\uc219<\/strong> \u2014 \uccad\uad6c \uac70\uc808 \uc0ac\uc720 \uc0ac\uc804 \ucc28\ub2e8<\/li>\n    <li><strong>\ubcc0\ud638\uc0ac\uc640 \uc18c\ud1b5<\/strong> \u2014 \uc758\ubb34\uae30\ub85d\u00b7\uc9c4\ub2e8\uc11c\uac00 \ud569\uc758\uc5d0 \uc720\ub9ac\ud55c \ubc29\uc2dd\uc73c\ub85c \uc791\uc131<\/li>\n  <\/ul>\n  <h2 id=\"sec-6\" class=\"slf-col-h2\">\ud55c\uc758\uc6d0\u00b7\ub3c4\uc218\uce58\ub8cc\u00b7\ud1b5\uc99d\uc8fc\uc0ac \u2014 \uc5b4\ub514\uae4c\uc9c0 PIP\uac00 \ubcf4\uc7a5\ud558\ub098<\/h2>\n  <table>\n    <thead><tr>\n      <th>\uce58\ub8cc \uc885\ub958<\/th>\n      <th>PIP \ubcf4\uc7a5 \uc5ec\ubd80<\/th>\n      <th>\uc8fc\uc758\uc0ac\ud56d<\/th>\n    <\/tr><\/thead>\n    <tbody>\n      <tr>\n        <td>\ud55c\uc758\uc6d0(\uce68\uc220)<\/td>\n        <td>\u2713 \ubcf4\uc7a5<\/td>\n        <td>NJ \ub77c\uc774\uc120\uc2a4 + \uce58\ub8cc \uacc4\ud68d\uc11c \ud544\uc218<\/td>\n      <\/tr>\n      <tr>\n        <td>\ub3c4\uc218\uce58\ub8cc(Chiropractic)<\/td>\n        <td>\u2713 \ubcf4\uc7a5<\/td>\n        <td>\uc8fc 2~3\ud68c \/ 12\uc8fc \uc774\ub0b4\uac00 \ud45c\uc900<\/td>\n      <\/tr>\n      <tr>\n        <td>\ud1b5\uc99d\uc8fc\uc0ac(Epidural \/ Trigger Point)<\/td>\n        <td>\u2713 \ubcf4\uc7a5<\/td>\n        <td>\ud1b5\uc99d\uc758\ud559\uacfc \ucc98\ubc29<\/td>\n      <\/tr>\n      <tr>\n        <td>MRI \/ CT \/ EMG<\/td>\n        <td>\u2713 \ubcf4\uc7a5<\/td>\n        <td>\uc758\uc0ac \ucc98\ubc29 \ud544\uc694<\/td>\n      <\/tr>\n      <tr>\n        <td>\uc218\uc220<\/td>\n        <td>\u2713 \ubcf4\uc7a5<\/td>\n        <td>\ud55c\ub3c4 \ucd08\uacfc \uc2dc \uc758\ub8cc\ubcf4\ud5d8\u00b7\ud569\uc758\uae08\uc73c\ub85c<\/td>\n      <\/tr>\n      <tr>\n        <td>\ub9c8\uc0ac\uc9c0(Massage)<\/td>\n        <td>\u25b3 \uc77c\ubd80 \ubcf4\uc7a5<\/td>\n        <td>\uc758\uc0ac \ucc98\ubc29 \uc2dc \ud55c\uc815<\/td>\n      <\/tr>\n      <tr>\n        <td>\ud5ec\uc2a4 \ud2b8\ub808\uc774\ub2dd<\/td>\n        <td>\u2717 \ubbf8\ubcf4\uc7a5<\/td>\n        <td>\uc758\ub8cc \ubaa9\uc801\uc774 \uc544\ub2d8<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n  <h2 id=\"sec-7\" class=\"slf-col-h2\">\uc9c4\ub8cc \uc911\ub2e8\uc758 \uc704\ud5d8 \u2014 Gap in Treatment<\/h2>\n  <p>\uc0ac\uace0 \ud6c4 \uc9c4\ub8cc\ub97c <strong>2\uc8fc \uc774\uc0c1 \ubc1b\uc9c0 \uc54a\uc740 \uacf5\ubc31 \uae30\uac04(Gap in Treatment)<\/strong>\uc774 \uc0dd\uae30\uba74 \ubcf4\ud5d8\uc0ac\ub294 &quot;\uadf8 \uc815\ub3c4\ub85c \ud68c\ubcf5\ub41c \uac83&quot;\uc73c\ub85c \uc8fc\uc7a5\ud558\uc5ec \ud569\uc758\uae08\uc744 \ud070 \ud3ed\uc73c\ub85c \uc0ad\uac10\ud569\ub2c8\ub2e4.<\/p>\n  <ul>\n    <li>2\uc8fc \ubbf8\ub9cc \uacf5\ubc31: \ud070 \uc601\ud5a5 \uc5c6\uc74c<\/li>\n    <li>2~4\uc8fc \uacf5\ubc31: \ud569\uc758\uae08 10~20% \uc0ad\uac10 \uc2dc\ub3c4<\/li>\n    <li>4\uc8fc \uc774\uc0c1 \uacf5\ubc31: \ud569\uc758\uae08 30~50% \uc0ad\uac10 \uc2dc\ub3c4<\/li>\n    <li>8\uc8fc \uc774\uc0c1 \uacf5\ubc31: \uc0ac\uc2e4\uc0c1 \ucd94\uac00 \uc9c4\ub8cc \uccad\uad6c \uac70\uc808<\/li>\n  <\/ul>\n  <div class=\"slf-callout\">\n    <strong>\uc5ec\ud589\u00b7\ucd9c\uc7a5\u00b7\ud55c\uad6d \ubc29\ubb38 \ub4f1\uc73c\ub85c \uacf5\ubc31\uc774 \ubd88\uac00\ud53c\ud558\uba74, \uc0ac\uc804\uc5d0 \uc758\uc0ac\uc5d0\uac8c \uc9c4\ub8cc\uae30\ub85d\uc0c1 &quot;\uce58\ub8cc \uc911\ub2e8 \uc0ac\uc720&quot;\ub97c \uba85\uc2dc<\/strong>\ud574\ub450\ub294 \uac83\uc774 \ud575\uc2ec\uc785\ub2c8\ub2e4. \ud55c\uad6d \ubc29\ubb38 \uc2dc\uc5d0\ub3c4 \ud55c\uad6d \uc758\uc0ac \uc9c4\ub8cc\uae30\ub85d\uc744 \ubc1b\uc544 \uacf5\ubc31\uc744 \uba54\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n  <\/div>\n  <div class=\"slf-related\">\n    <div class=\"slf-related-label\">\uad00\ub828 \uc815\ubcf4<\/div>\n    <ul>\n      <li><a href=\"https:\/\/songlawfirm.com\/ko\/%ec%97%85%eb%ac%b4%eb%b6%84%ec%95%bc\/%ec%82%ac%ea%b3%a0%ec%83%81%ed%95%b4\/\">\uc0ac\uace0\uc0c1\ud574 \uc804\ub2f4\ud300 \uc548\ub0b4 \u2192<\/a><\/li>\n      <li><a href=\"https:\/\/songlawfirm.com\/ko\/\uce74\ud14c\uace0\ub9ac\/\ubc95\ub960\uce7c\ub7fc\/\uc0ac\uace0-\uc0c1\ud574-columns\/\">\uc0ac\uace0\uc0c1\ud574 \ubc95\ub960\uce7c\ub7fc \uc804\uccb4 \ubcf4\uae30 \u2192<\/a><\/li>\n      <li><a href=\"https:\/\/songlawfirm.com\/ko\/\uce74\ud14c\uace0\ub9ac\/\uc131\uacf5\uc0ac\ub840\/\uc0ac\uace0-\uc0c1\ud574\/\">\uc1a1\ub85c\ud38c \uc0ac\uace0\uc0c1\ud574 \uc131\uacf5\uc0ac\ub840 \u2192<\/a><\/li>\n    <\/ul>\n  <\/div>\n  <h2 class=\"slf-col-h2 slf-faq-section\">\uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38<\/h2>\n  <details class=\"slf-q\">\n    <summary>ER \uac14\ub2e4 \uc628 \ud6c4 \ud1b5\uc99d\uc774 \uba70\uce60 \ub4a4 \ub098\ud0c0\ub098\uba74?<\/summary>\n    <div class=\"slf-a\">\ud3b8\ud0c0\uc131 \uc190\uc0c1(whiplash), \ub514\uc2a4\ud06c, \ub1cc\uc9c4\ud0d5\uc740 \uc0ac\uace0 \ud6c4 1~3\uc77c \ub4a4 \uc99d\uc0c1\uc774 \ub098\ud0c0\ub098\ub294 \uac83\uc774 \uc77c\ubc18\uc801\uc785\ub2c8\ub2e4. <strong>48\uc2dc\uac04 \ub0b4 \ud1b5\uc99d\uc758\ud559\uacfc \ub610\ub294 \ud55c\uc778 \ud074\ub9ac\ub2c9 \uc7ac\uc9c4\ub8cc<\/strong>\uac00 \ud544\uc218\uc774\uba70, \uc0c8 \uc99d\uc0c1\uc744 \uc9c4\ub8cc\uae30\ub85d\uc5d0 \uba85\uc2dc\ud574\uc57c \ud569\ub2c8\ub2e4.<\/div>\n  <\/details>\n  <details class=\"slf-q\">\n    <summary>\ubcf8\uc778 \uc8fc\uce58\uc758(PCP)\uc5d0\uac8c \uac00\ub3c4 \ub418\ub098\uc694?<\/summary>\n    <div class=\"slf-a\">\uad8c\uc7a5\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. PCP\ub294 \uc0ac\uace0 \uc9c4\ub8cc \uacbd\ud5d8\u00b7PIP \uccad\uad6c \uacbd\ud5d8\uc774 \ubd80\uc871\ud558\uba70, <strong>\uc758\ubb34\uae30\ub85d\uc774 \ud569\uc758\uc5d0 \uc720\ub9ac\ud55c \ud615\uc2dd\uc73c\ub85c \uc791\uc131\ub418\uc9c0 \uc54a\uc744 \uac00\ub2a5\uc131<\/strong>\uc774 \ud07d\ub2c8\ub2e4. \ud1b5\uc99d\uc758\ud559\uacfc\u00b7\uc815\ud615\uc678\uacfc\u00b7\ud55c\uc758\uc6d0 \ub4f1 \uc0ac\uace0 \uc804\ubb38 \ud074\ub9ac\ub2c9\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4.<\/div>\n  <\/details>\n  <details class=\"slf-q\">\n    <summary>\ud55c\ubc29 \uce58\ub8cc\ub9cc \ubc1b\uc73c\uba74 PIP\uac00 \uac70\uc808\ud558\ub098\uc694?<\/summary>\n    <div class=\"slf-a\">NJ\uc5d0\uc11c\ub294 \uce68\uc220\u00b7\ub3c4\uc218\uce58\ub8cc \ub2e8\ub3c5\uc73c\ub85c\ub3c4 PIP \uccad\uad6c\uac00 \uac00\ub2a5\ud558\uc9c0\ub9cc, \ubcf4\ud5d8\uc0ac\ub294 &quot;\uac1d\uad00\uc801 \uc601\uc0c1 \uc9c4\ub2e8(MRI\u00b7CT)\uc774 \uc5c6\ub2e4&quot;\ub294 \uc774\uc720\ub85c \uae4e\uc73c\ub824 \ud569\ub2c8\ub2e4. <strong>\ud55c\uc758\uc6d0 + \uc601\uc0c1\uc758\ud559\uacfc\ub97c \ubcd1\ud589<\/strong>\ud558\ub294 \uac83\uc774 \uac00\uc7a5 \uc548\uc804\ud569\ub2c8\ub2e4.<\/div>\n  <\/details>\n  <details class=\"slf-q\">\n    <summary>\uc9c4\ub8cc \uc601\uc218\uc99d\uc744 \ubcf8\uc778\uc774 \ubcf4\uad00\ud574\uc57c \ud558\ub098\uc694?<\/summary>\n    <div class=\"slf-a\">PIP \uc9c1\uc811 \uccad\uad6c \uc2dc\uc5d0\ub294 \ubcf4\ud1b5 \uc758\uc0ac \uc0ac\ubb34\uc2e4\uc774 \ubcf4\ud5d8\uc0ac\uc5d0 \uccad\uad6c\ud558\ubbc0\ub85c \ubcf8\uc778\uc774 \uc601\uc218\uc99d\uc744 \uac00\uc9c8 \uc77c\uc774 \uc5c6\uc2b5\ub2c8\ub2e4. \ub2e8, <strong>\uc0ac\uace0 \ud6c4 \ubaa8\ub4e0 \uc57d\uac12\u00b7\uad50\ud1b5\ube44\u00b7\uae30\ud0c0 \ube44\uc6a9 \uc601\uc218\uc99d\uc740 \ubcf8\uc778\uc774 \ubcf4\uad00<\/strong>\ud558\uc2dc\ub294 \uac83\uc774 \ud569\uc758 \ud611\uc0c1 \uc2dc \uc720\ub9ac\ud569\ub2c8\ub2e4.<\/div>\n  <\/details>\n  <details class=\"slf-q\">\n    <summary>\uc758\uc0ac\uac00 PIP \uccad\uad6c\ub97c \uac70\uc808\ud558\uba74?<\/summary>\n    <div class=\"slf-a\">\ud55c\uc778 \ud074\ub9ac\ub2c9\uc774\ub77c\ub3c4 \uc0ac\uace0 \uc9c4\ub8cc \uacbd\ud5d8\uc774 \ubd80\uc871\ud558\uba74 PIP \uccad\uad6c\ub97c \uaebc\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc1a1\ub85c\ud38c\uc740 <strong>PIP \ucc98\ub9ac \uacbd\ud5d8\uc774 \ud48d\ubd80\ud55c \ud55c\uc778 \ud074\ub9ac\ub2c9\uc744 \uc758\ub8b0\uc778 \uac70\uc8fc\uc9c0\uc5d0 \ub9de\ucdb0 \uc548\ub0b4<\/strong>\ud574\ub4dc\ub9ac\uba70, \uc758\uc0ac \uc0ac\ubb34\uc2e4\uacfc \uc9c1\uc811 \uc18c\ud1b5\ud558\uc5ec \uccad\uad6c \uc808\ucc28\ub97c \uc9c4\ud589\ud569\ub2c8\ub2e4.<\/div>\n  <\/details>\n  <div class=\"slf-cta\">\n    <h3>\uc0ac\uace0 \ud6c4 \uc9c4\ub8cc \u2014 \ubb34\ub8cc \uc0c1\ub2f4\ubc1b\uc73c\uc138\uc694<\/h3>\n    <p>\uc9c4\ub8cc \uacc4\ud68d\uc774 \ud569\uc758\uae08\uc744 \uacb0\uc815\ud569\ub2c8\ub2e4. \uccab \uc9c4\ub8cc \uc804\uc5d0 \uc0c1\ub2f4\ubc1b\uc73c\uc138\uc694.<\/p>\n    <div class=\"slf-cta-contacts\">\n      <div class=\"slf-cta-row\"><span class=\"slf-cta-icon\">\ud83d\udcde<\/span> \uc804\ud654: <a href=\"tel:+12014610031\"><strong>201-461-0031<\/strong><\/a><\/div>\n      <div class=\"slf-cta-row\"><span class=\"slf-cta-icon\">\ud83d\udcac<\/span> \uce74\uce74\uc624\ud1a1 \ucc44\ub110: <strong>Song Law Firm<\/strong><\/div>\n      <div class=\"slf-cta-row\"><span class=\"slf-cta-icon\">\ud83d\udce7<\/span> \uc774\uba54\uc77c: <a href=\"mailto:mail@songlawfirm.com\">mail@songlawfirm.com<\/a><\/div>\n      <div class=\"slf-cta-row\"><span class=\"slf-cta-icon\">\ud83c\udf10<\/span> \uc6f9\uc0ac\uc774\ud2b8: <a href=\"https:\/\/www.songlawfirm.com\">www.songlawfirm.com<\/a><\/div>\n    <\/div>\n    <a href=\"tel:+12014610031\" class=\"slf-btn\">\ud83d\udcde \uc9c0\uae08 \uc804\ud654\ud558\uae30<\/a>\n  <\/div>\n  <div class=\"slf-disclaimer-block\">\n    <div class=\"slf-disclaimer-label\">\u2696\ufe0f \uba74\ucc45\uc870\ud56d (Disclaimer)<\/div>\n    <p>\ubcf8 \uce7c\ub7fc\uc740 \uc77c\ubc18 \uc815\ubcf4 \uc81c\uacf5\uc744 \ubaa9\uc801\uc73c\ub85c \uc791\uc131\ub418\uc5c8\uc73c\uba70, \uad6c\uccb4\uc801\uc778 \ubc95\ub960 \uc790\ubb38\uc774 \uc544\ub2d9\ub2c8\ub2e4. \ubcf8 \uce7c\ub7fc\uc744 \uc77d\ub294 \uac83\ub9cc\uc73c\ub85c\ub294 \ubcc0\ud638\uc0ac-\uc758\ub8b0\uc778 \uad00\uacc4\uac00 \uc131\ub9bd\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ubaa8\ub4e0 \uc0ac\uace0\uc0c1\ud574 \uc0ac\uac74\uc740 \uc0ac\uc2e4\uad00\uacc4, \ubd80\uc0c1 \uc815\ub3c4, \ubcf4\ud5d8 \ud55c\ub3c4 \ub4f1 \uac1c\ubcc4 \uc0ac\uc815\uc5d0 \ub530\ub77c \uacb0\uacfc\uac00 \ub2ec\ub77c\uc9c0\uba70, \ubcf8 \uce7c\ub7fc\uc5d0 \uc5b8\uae09\ub41c \uc0ac\ub840\ub098 \uacb0\uacfc\uac00 \ub3d9\uc77c\ud55c \uacb0\uacfc\ub97c \ubcf4\uc7a5\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc815\ud655\ud55c \ubc95\ub960 \uc790\ubb38\uc740 \ubcc0\ud638\uc0ac\uc640 \uc9c1\uc811 \uc0c1\ub2f4\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n    <p>\ubcf8 \uce7c\ub7fc\uc740 \uc1a1\ub85c\ud38c(Song Law Firm, \ub274\uc800\uc9c0\u00b7\ub274\uc695\uc8fc \ub4f1\ub85d \ub85c\ud38c)\uc758 \ubc95\ub960 \uad11\uace0\uc774\uba70, NJ\u00b7NY Rules of Professional Conduct\ub97c \uc900\uc218\ud569\ub2c8\ub2e4.<\/p>\n    <p class=\"slf-disclaimer-firm\"><strong>Song Law Firm<\/strong> | Parker Plaza, 400 Kelby St, 19th Floor, Fort Lee, NJ 07024 | 201-461-0031 | mail@songlawfirm.com<\/p>\n  <\/div>\n<\/article>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@graph\": [\n    {\n      \"@type\": \"Article\",\n      \"headline\": \"\uc0ac\uace0 \ud6c4 \uc5b4\ub514\uc11c \uc9c4\ub8cc\ubc1b\uc544\uc57c \ud558\ub098 \u2014 NJ \ud55c\uc778 \uc758\uc0ac \ub124\ud2b8\uc6cc\ud06c \ud65c\uc6a9\ubc95\",\n      \"description\": \"\uc0ac\uace0 \ud6c4 48\uc2dc\uac04 \uc548\uc5d0 \uc751\uae09\uc2e4(ER) \uc9c4\ub8cc\uac00 \ud544\uc218\uc774\uba70, \uadf8 \ub4a4\uc5d0\ub294 PIP \ucc98\ub9ac \uacbd\ud5d8\uc774 \ub9ce\uc740 \ud55c\uc778 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PCP\ub294 \uc0ac\uace0 \uc9c4\ub8cc \uacbd\ud5d8\u00b7PIP \uccad\uad6c \uacbd\ud5d8\uc774 \ubd80\uc871\ud558\uba70, \uc758\ubb34\uae30\ub85d\uc774 \ud569\uc758\uc5d0 \uc720\ub9ac\ud55c \ud615\uc2dd\uc73c\ub85c \uc791\uc131\ub418\uc9c0 \uc54a\uc744 \uac00\ub2a5\uc131\uc774 \ud07d\ub2c8\ub2e4. \ud1b5\uc99d\uc758\ud559\uacfc\u00b7\uc815\ud615\uc678\uacfc\u00b7\ud55c\uc758\uc6d0 \ub4f1 \uc0ac\uace0 \uc804\ubb38 \ud074\ub9ac\ub2c9\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"\ud55c\ubc29 \uce58\ub8cc\ub9cc \ubc1b\uc73c\uba74 PIP\uac00 \uac70\uc808\ud558\ub098\uc694?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"NJ\uc5d0\uc11c\ub294 \uce68\uc220\u00b7\ub3c4\uc218\uce58\ub8cc \ub2e8\ub3c5\uc73c\ub85c\ub3c4 PIP \uccad\uad6c\uac00 \uac00\ub2a5\ud558\uc9c0\ub9cc, \ubcf4\ud5d8\uc0ac\ub294 \"\uac1d\uad00\uc801 \uc601\uc0c1 \uc9c4\ub2e8(MRI\u00b7CT)\uc774 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\uc7ac\ud65c\uc758\ud559\uacfc | \ud68c\ubcf5 + \uc601\uad6c \uc190\uc0c1 \uc9c4\ub2e8\uc11c \uc900\ube44.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\uc0ac\uace0 \ud6c4 \uccab \uc9c4\ub8cc\ub294 \uc5b4\ub290 \uacfc\ub85c \uac00\uc57c \ud558\ub098?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"ER (\uc751\uae09\uc2e4) \u2014 \uc0dd\uba85 \uc704\ud611\u00b7\uace8\uc808\u00b7\ub1cc\uc9c4\ud0d5 \uc758\uc2ec \uc2dc \uc6b0\uc120 Urgent Care \u2014 ER\uc774 \ubd80\ub2f4\uc2a4\ub7fd\uac70\ub098 \ud1b5\uc99d\uc774 \uac00\ubcbc\uc6b8 \ub54c \ud1b5\uc99d\uc758\ud559\uacfc(Pain Management) \u2014 \uc77c\ubc18\uc801\uc778 \uc0ac\uace0 \ud6c4\uc18d \uc9c4\ub8cc \uc815\ud615\uc678\uacfc(Orthopedic) \u2014 \uace8\uc808\u00b7\uad00\uc808 \uc190\uc0c1 \ud55c\uc758\uc6d0 \u2014 \ubcf4\uc870 \uce58\ub8cc (\ub2e8\ub3c5 \uc9c4\ub8cc\ub294 \uad8c\uc7a5\ud558\uc9c0 \uc54a\uc74c) PCP(\uc8fc\uce58\uc758) \u2014 \uc77c\ubc18\uc801\uc73c\ub85c \uad8c\uc7a5\ud558\uc9c0 \uc54a\uc74c (\uc0ac\uace0 \uc9c4\ub8cc \uacbd\ud5d8 \ubd80\uc871)\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"PIP \ucc98\ub9ac \uacbd\ud5d8\uc774 \ud48d\ubd80\ud55c \ud55c\uc778 \ud074\ub9ac\ub2c9 \uc720\ud615\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"\ud55c\uc778 \uc758\ub8b0\uc778\uc758 \uc0ac\uace0 \uc9c4\ub8cc\uc5d0 \uc775\uc219\ud55c \ud074\ub9ac\ub2c9\uc740 \ub2e4\uc74c 5\uac00\uc9c0 \uc720\ud615\uc785\ub2c8\ub2e4. PIP \uccad\uad6c \uacbd\ud5d8\uc774 \ud48d\ubd80\ud55c \uacf3\uc744 \uc120\ud0dd\ud574\uc57c \ubcf4\ud5d8\uc0ac\uac00 \uccad\uad6c\ub97c \uac70\uc808\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\"\ub0b4 \ubcf4\ud5d8\" vs \"\uc0ac\uace0 \ubcf4\ud5d8(PIP)\" \uccad\uad6c \ucc28\uc774\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"\uad6c\ubd84 | \ubcf8\uc778 \uc758\ub8cc\ubcf4\ud5d8 | \uc790\ub3d9\ucc28 \ubcf4\ud5d8 PIP. \ubcf8\uc778 \ubd80\ub2f4\uae08 | Copay + Deductible | $0 (PIP $250 deductible \u00b7 Copay \uc635\uc158 \uc678). \ub124\ud2b8\uc6cc\ud06c \uc81c\ud55c | In-Network\ub9cc \ubcf4\uc7a5 | \uc81c\ud55c \uc5c6\uc74c. \uccad\uad6c \uc808\ucc28 | \uc758\ub8cc\ubcf4\ud5d8 \uce74\ub4dc \uc81c\uc2dc | \uc790\ub3d9\ucc28 \ubcf4\ud5d8 + \uc0ac\uace0 \uc815\ubcf4 \uc81c\uacf5.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\ud55c\uc778 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