{"id":26388,"date":"2026-06-26T11:00:00","date_gmt":"2026-06-26T15:00:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=26388"},"modified":"2026-06-21T21:43:25","modified_gmt":"2026-06-22T01:43:25","slug":"pi-zh-06-medical-bills-pip-korean-nhis","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/zh-hans\/pi-zh-06-medical-bills-pip-korean-nhis\/","title":{"rendered":"\u8f66\u7978\u540e\u533b\u7597\u8d39\u7528\u7533\u62a5\uff1a\u533b\u4fdd\u3001\u97e9\u56fd\u533b\u4fdd\u3001PIP\u4f7f\u7528"},"content":{"rendered":"<p class=\"has-text-align-center wp-block-paragraph\" style=\"font-style:italic;color:#666;font-size:0.95em;\">\u4eba\u8eab\u4f24\u5bb3 \u00b7 \u533b\u7597\u8d39\u7528 \u00b7 PIP \u00b7 \u5546\u4e1a\u533b\u4fdd \u00b7 \u97e9\u56fdNHIS \u00b7 Medicaid \u00b7 Charity Care<\/p>\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">\u5f15\u8a00<\/h2>\n<p class=\"wp-block-paragraph\">\u8f66\u7978\u540e\u533b\u7597\u8d39\u53ef\u80fd\u8fc5\u901f\u7d2f\u79ef\u3002\u7406\u89e3PIP\u3001\u5546\u4e1a\u533b\u4fdd\u3001\u97e9\u56fdNHIS\u548c\u5176\u4ed6\u5b89\u5168\u7f51\uff0c\u80fd\u786e\u4fdd\u60a8\u65e0\u9700\u4e0d\u5fc5\u8981\u5730\u81ea\u4ed8\u3002\u672c\u6587\u68b3\u7406\u4e8b\u6545\u53d7\u5bb3\u8005\u7684\u533b\u7597\u8d39\u652f\u4ed8\u6d41\u7a0b\u3002<\/p>\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">1. PIP\u4f18\u5148\u652f\u4ed8<\/h2>\n<p class=\"wp-block-paragraph\">\u5728NJ\uff0cPIP\u4e0d\u8bba\u8fc7\u9519\u4f18\u5148\u652f\u4ed8\u2014\u2014\u901a\u5e38$15,000\u81f3$250,000\u3002\u533b\u7597\u673a\u6784\u76f4\u63a5\u5411PIP\u5f00\u8d26\u5355\u3002\u60a8\u4ec5\u627f\u62c5\u514d\u8d54\u989d\uff08\u901a\u5e38$250-$2,500\uff09\u548c\u81ea\u4ed8\u6bd4\u4f8b\uff08\u901a\u5e3820%\uff09\u3002<\/p>\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">2. PIP\u7528\u5c3d\u540e<\/h2>\n<p class=\"wp-block-paragraph\">\u82e5\u8d39\u7528\u8d85\u8fc7PIP\u9650\u989d\uff0c\u60a8\u7684\u5546\u4e1a\u533b\u4fdd\u652f\u4ed8\u4f59\u989d\u3002NJ Horizon BCBS\u3001Aetna\u3001UnitedHealthcare\u3001Cigna\u6309\u8ba1\u5212\u6761\u6b3e\u5904\u7406PIP\u540e\u8d39\u7528\u3002<\/p>\n<p class=\"wp-block-paragraph\">\u534f\u8c03\u798f\u5229\uff08Coordination of Benefits, COB\uff09\u7531\u4fdd\u9669\u516c\u53f8\u51b3\u5b9a\u652f\u4ed8\u987a\u5e8f\u3002\u4ece\u4e00\u5f00\u59cb\u5c31\u901a\u77e5PIP\u4fdd\u9669\u65b9\u548c\u533b\u4fdd\u65b9\u5173\u4e8e\u4e8b\u6545\u7684\u4fe1\u606f\u3002<\/p>\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">3. \u97e9\u56fdNHIS\uff08\ud55c\uad6d \uc758\ub8cc\ubcf4\ud5d8\uff09<\/h2>\n<p class=\"wp-block-paragraph\">\u8bbf\u7f8e\u97e9\u56fd\u56fd\u6c11\u6709\u65f6\u8be2\u95eeNHIS\u662f\u5426\u8986\u76d6\u7f8e\u56fd\u533b\u7597\u8d39\u3002NHIS\u4ec5\u5bf9\u97e9\u56fd\u5883\u5185\u6cbb\u7597\u63d0\u4f9b\u6709\u9650\u62a5\u9500\uff0c\u4e0d\u8986\u76d6\u7f8e\u56fd\u6cbb\u7597\u3002NHIS\u5bf9\u7f8e\u56fd\u6cbb\u7597\u62a5\u9500\u987b\u4e8b\u5148\u6838\u51c6\u4e14\u6ee1\u8db3\u72ed\u4e49\u6807\u51c6\u3002NHIS\u65e0\u6cd5\u66ff\u4ee3\u7f8e\u56fdPIP\u3002<\/p>\n<p class=\"wp-block-paragraph\">\u82e5\u60a8\u56de\u97e9\u56fd\u8ddf\u8fdb\u6cbb\u7597\uff1aNHIS\u8986\u76d6\u97e9\u56fd\u6cbb\u7597\uff0c\u4f46\u8fd9\u4e9b\u8d39\u7528\u65e0\u6cd5\u56de\u8ffd\u5230NJ PIP\u3002<\/p>\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">4. \u65e0\u4fdd\u9669\u9009\u9879<\/h2>\n<ul class=\"wp-block-list\"><li><strong>NJ Medicaid\uff08NJ FamilyCare\uff09\uff1a<\/strong>\u5bf9\u7b26\u5408\u6536\u5165\u6761\u4ef6\u7684\u5c45\u6c11\u63d0\u4f9b\u514d\u8d39\/\u4f4e\u8d39\u533b\u7597<\/li><li><strong>NJ Charity Care\uff1a<\/strong>\u533b\u9662\u987b\u4e3a\u7b26\u5408\u6536\u5165\u6761\u4ef6\u7684\u60a3\u8005\u63a5\u53d7Charity Care\uff08\u591a\u6570NJ\u533b\u9662\uff09<\/li><li><strong>NJ Unsatisfied Claim and Judgment Fund\uff08UCJF\uff09\uff1a<\/strong>\u65e0\u6c7d\u8f66\u4fdd\u9669\u53d7\u5bb3\u8005\u7684\u6700\u4f4ePIP<\/li><li><strong>\u533b\u9662\u8d22\u52a1\u63f4\u52a9\u9879\u76ee\uff1a<\/strong>\u591a\u6570\u533b\u9662\u6709\u56f0\u96be\u63f4\u52a9\u9879\u76ee<\/li><\/ul>\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">5. \u4ee3\u4f4d\u6c42\u507f\u98ce\u9669<\/h2>\n<p class=\"wp-block-paragraph\">\u533b\u4fdd\u53ef\u80fd\u884c\u4f7f\u4ee3\u4f4d\u6c42\u507f\u2014\u2014\u4ece\u60a8\u7684\u4e8b\u6545\u548c\u89e3\u4e2d\u8ffd\u56de\u4ed6\u4eec\u652f\u4ed8\u7684\u6b3e\u9879\u3002ERISA\u96c7\u4e3b\u8ba1\u5212\u6709\u5f3a\u4ee3\u4f4d\u6c42\u507f\u6743\u3002\u548c\u89e3\u534f\u5546\u5fc5\u987b\u8003\u8651\u4ee3\u4f4d\u6c42\u507f\u6743\uff08\u901a\u5e38\u4e3a\u4fdd\u9669\u516c\u53f8\u652f\u4ed8\u76841\/3\u81f3100%\uff09\u3002<\/p>\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">6. \u533b\u7597\u8d26\u5355\u534f\u5546<\/h2>\n<p class=\"wp-block-paragraph\">\u548c\u89e3\u540e\uff0c\u533b\u7597\u673a\u6784\u5e38\u63a5\u53d7\u5e94\u4ed8\u8d26\u6b3e\u768450-70%\u4f5c\u4e3a\u6700\u7ec8\u652f\u4ed8\u3002\u5f8b\u5e08\u534f\u5546\u7d22\u8d54\u6743\u4ee5\u6700\u5927\u5316\u53d7\u5bb3\u8005\u51c0\u6062\u590d\u989d\u3002\u81ea\u884c\u534f\u5546\u4e5f\u53ef\u51cf\u5c1130-50%\u2014\u2014\u4efb\u4f55\u51cf\u5c11\u548c\u89e3\u987b\u83b7\u5f97\u4e66\u9762\u786e\u8ba4\u3002<\/p>\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">\u5e38\u89c1\u95ee\u9898<\/h2>\n<h3 class=\"wp-block-heading\" style=\"color:#404040;margin-top:24px;\">Q1. \u6211\u6ca1\u6709\u533b\u4fdd\u2014\u2014\u4ecd\u80fd\u5c31\u533b\u5417\uff1f<\/h3>\n<p class=\"wp-block-paragraph\">\u53ef\u4ee5\u3002EMTALA\u8981\u6c42\u533b\u9662\u4e0d\u8bba\u652f\u4ed8\u80fd\u529b\u63d0\u4f9b\u6025\u8bca\u62a4\u7406\u3002NJ Charity Care\u548cMedicaid\u5e38\u8986\u76d6\u6301\u7eed\u8d39\u7528\u3002Bergen County\u97e9\u56fd\u793e\u533a\u6709\u514d\u8d39\u8bca\u6240\u3002<\/p>\n<h3 class=\"wp-block-heading\" style=\"color:#404040;margin-top:24px;\">Q2. \u73b0\u91d1\u652f\u4ed8\u2014\u2014\u4e4b\u540e\u80fd\u7533\u8bf7PIP\u5417\uff1f<\/h3>\n<p class=\"wp-block-paragraph\">\u4fdd\u5b58\u6240\u6709\u6536\u636e\u3002\u82e5\u5728\u671f\u9650\u5185\u7533\u62a5\uff0cPIP\u53ef\u5bf9\u5df2\u4ed8\u533b\u7597\u8d39\u62a5\u9500\u3002\u4f18\u5148\u7531\u533b\u7597\u673a\u6784\u76f4\u63a5\u5411PIP\u5f00\u8d26\u5355\u3002<\/p>\n<h3 class=\"wp-block-heading\" style=\"color:#404040;margin-top:24px;\">Q3. PIP\u7d22\u8d54\u987b\u62a5\u544a\u7ed9\u533b\u4fdd\u5417\uff1f<\/h3>\n<p class=\"wp-block-paragraph\">\u662f\u7684\u2014\u2014\u4e24\u5bb6\u4fdd\u9669\u516c\u53f8\u901a\u8fc7COB\u534f\u8c03\u3002\u4e0d\u62ab\u9732\u53ef\u80fd\u4f7f\u4fdd\u969c\u65e0\u6548\u3002<\/p>\n<h3 class=\"wp-block-heading\" style=\"color:#404040;margin-top:24px;\">Q4. PIP\u62d2\u7edd\u6211\u7684\u6cbb\u7597\u600e\u4e48\u529e\uff1f<\/h3>\n<p class=\"wp-block-paragraph\">\u5411\u4fdd\u9669\u516c\u53f8\u63d0\u8d77\u5185\u90e8\u4e0a\u8bc9\u3002\u518d\u6b21\u62d2\u7edd\u5219\u5411NJ Department of Banking and Insurance\uff08DOBI\uff09\u7533\u8bc9\u3002\u5f8b\u5e08\u4ee3\u7406\u5e38\u80fd\u626d\u8f6cPIP\u62d2\u8d54\u3002<\/p>\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">\u865a\u6784\u6848\u4f8b\u6a21\u62df<\/h2>\n<p class=\"wp-block-paragraph\">Cliffside Park\u4e00\u4f4d\u97e9\u88d4\u6559\u5e08\u5728Route 4\u649e\u51fb\u4e8b\u6545\u4e2d\u53d7\u4f24\u3002\u533b\u7597\u8d39\u603b\u8ba1$112,000\u3002PIP\uff08$15,000\uff09\u548cHorizon BCBS\uff08$1,500\u514d\u8d54\u989d\u548c20%\u81ea\u4ed8\u540e\uff09\u8986\u76d6$87,000\u3002\u81ea\u4ed8\uff1a$25,000\u3002\u5b8b\u5f8b\u5e08\u4e8b\u52a1\u6240\u534f\u5546\u533b\u7597\u673a\u6784\u7d22\u8d54\u6743\uff0c\u5728\u8087\u4e8b\u65b9$250,000\u8d23\u4efb\u9669\u7d22\u8d54\u548c\u89e3\uff08\u51c0\u7ed9\u5ba2\u6237$185,000\uff09\u4e2d\u8ffd\u56de$19,500\u81ea\u4ed8\u8d39\u7528\u3002<\/p>\n\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">\u8054\u7cfb\u5b8b\u5f8b\u5e08\u4e8b\u52a1\u6240<\/h2>\n<p class=\"wp-block-paragraph\">\u5982\u9700\u54a8\u8be2\u60a8\u7684\u4eba\u8eab\u4f24\u5bb3\u6848\u4ef6\uff0c\u8bf7\u8054\u7cfb\u5b8b\u5f8b\u5e08\u4e8b\u52a1\u6240\u2014\u2014\u670d\u52a1\u65b0\u6cfd\u897f\u3001\u7ebd\u7ea6\u3001\u5fb7\u5dde\u3001\u4f50\u6cbb\u4e9a\u3001\u4f5b\u7f57\u91cc\u8fbe\u7684\u97e9\u88d4\u7f8e\u56fd\u5f8b\u5e08\u56e2\u961f\u3002<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>\u7535\u8bdd\uff1a<\/strong>(201) 461-0031<\/li>\n<li><strong>\u90ae\u7bb1\uff1a<\/strong>office@songlawfirm.com<\/li>\n<li><strong>\u5730\u5740\uff1a<\/strong>Parker Plaza, 400 Kelby St, 19th Floor, Fort Lee, NJ 07024<\/li>\n<li><strong>\u5728\u7ebf\u54a8\u8be2\uff1a<\/strong><a href=\"https:\/\/songlawfirm.com\/consultation\/\">https:\/\/songlawfirm.com\/consultation\/<\/a><\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">\u514d\u8d23\u58f0\u660e<\/h2>\n<p class=\"wp-block-paragraph\">\u672c\u6587\u4ec5\u63d0\u4f9b\u4e00\u822c\u6cd5\u5f8b\u4fe1\u606f\uff0c\u5e76\u975e\u9488\u5bf9\u5177\u4f53\u6848\u4ef6\u7684\u6cd5\u5f8b\u610f\u89c1\u3002\u4e2a\u6848\u7ed3\u679c\u56e0\u4e8b\u5b9e\u800c\u5f02\uff0c\u8bf7\u76f4\u63a5\u54a8\u8be2\u5f8b\u5e08\u3002<\/p>","protected":false},"excerpt":{"rendered":"<p>\u4eba\u8eab\u4f24\u5bb3 \u00b7 \u533b\u7597\u8d39\u7528 \u00b7 PIP \u00b7 \u5546\u4e1a\u533b\u4fdd \u00b7 \u97e9\u56fdN [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":26368,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[389,357],"tags":[4284,2816,4383,4382,4380,4381],"class_list":["post-26388","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category--columns","category-357","tag-medicaid","tag-pip","tag-4383","tag-4382","tag-4380","tag-nhis"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.8 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u8f66\u7978\u540e\u533b\u7597\u8d39\u7528\u7533\u62a5\uff1a\u533b\u4fdd\u3001\u97e9\u56fd\u533b\u4fdd\u3001PIP\u4f7f\u7528 - Song Law Firm<\/title>\n<meta name=\"description\" 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