{"id":26389,"date":"2026-06-27T11:00:00","date_gmt":"2026-06-27T15:00:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=26389"},"modified":"2026-06-21T21:43:27","modified_gmt":"2026-06-22T01:43:27","slug":"pi-zh-07-insurance-negotiation-7-reasons","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/zh-hans\/pi-zh-07-insurance-negotiation-7-reasons\/","title":{"rendered":"\u4fdd\u9669\u516c\u53f8\u534f\u5546\u7b56\u7565\uff1a\u6ca1\u6709\u5f8b\u5e08\u7edd\u5bf9\u4e0d\u80fd\u548c\u89e3\u76847\u4e2a\u7406\u7531"},"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 \u4fdd\u9669\u516c\u53f8\u534f\u5546 \u00b7 \u548c\u89e3\u534f\u8bae \u00b7 \u5f55\u97f3\u9648\u8ff0 \u00b7 \u5feb\u901f\u548c\u89e3\u9677\u9631<\/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 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style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">\u7406\u75313\u2014\u2014\u548c\u89e3\u534f\u8bae\u662f\u6700\u7ec8\u7684<\/h2>\n<p class=\"wp-block-paragraph\">\u548c\u89e3\u534f\u8bae\u542b&#8221;\u5b8c\u5168\u4e14\u6700\u7ec8\u514d\u9664\u6240\u6709\u7d22\u8d54&#8221;\u7684\u63aa\u8f9e\u3002\u4e00\u65e6\u7b7e\u5b57\uff0c\u65e0\u6cd5\u91cd\u542f\u2014\u2014\u5373\u4fbf\u4f24\u60c5\u6076\u5316\u6216\u8bca\u65ad\u51fa\u65b0\u4f24\u3002<\/p>\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">\u7406\u75314\u2014\u2014\u7406\u8d54\u5458\u8bad\u7ec3\u6709\u7d20\u964d\u4f4e\u652f\u4ed8<\/h2>\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u7406\u8d54\u5458\u662f\u53d7\u8bad\u7684\u534f\u5546\u8005\u3002\u4ed6\u4eec\u7684\u8003\u6838\u6307\u6807\u662f\u964d\u4f4e\u7406\u8d54\u6210\u672c\u3002\u4ed6\u4eec\u4f7f\u7528\u62d6\u5ef6\u3001\u4f4e\u4f30\u63d0\u8bae\u3001\u63a8\u8bff\u3001\u4f24\u60c5\u6700\u5c0f\u5316\u7b49\u7b56\u7565\u3002<\/p>\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">\u7406\u75315\u2014\u2014\u5f8b\u5e08\u4ee3\u7406\u63d0\u9ad8\u8d54\u507f<\/h2>\n<p class=\"wp-block-paragraph\">Insurance Research Council\uff08IRC\uff09\u7814\u7a76\u663e\u793a\uff0c\u6709\u5f8b\u5e08\u4ee3\u7406\u7684\u539f\u544a\u5e73\u5747\u6bd4\u65e0\u4ee3\u7406\u8005\u591a\u56de\u6536\u7ea63.5\u500d\u3002\u5373\u4fbf\u6263\u9664\u5f8b\u5e08\u8d39\uff08\u901a\u5e3833%\uff09\uff0c\u6709\u4ee3\u7406\u539f\u544a\u51c0\u5f97\u66f4\u591a\u3002<\/p>\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">\u7406\u75316\u2014\u2014\u7d22\u8d54\u6743\u534f\u5546\u6700\u5927\u5316\u51c0\u6062\u590d<\/h2>\n<p class=\"wp-block-paragraph\">\u548c\u89e3\u540e\uff0c\u533b\u7597\u673a\u6784\u3001\u533b\u4fdd\u3001Medicaid\u6709\u7d22\u8d54\u6743\u3002\u5f8b\u5e08\u534f\u5546\u8fd9\u4e9b\u7d22\u8d54\u6743\u2014\u2014\u5e38\u51cf\u5c1130-50%\u2014\u2014\u4ee5\u6700\u5927\u5316\u53d7\u5bb3\u8005\u51c0\u6062\u590d\u3002<\/p>\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">\u7406\u75317\u2014\u2014\u53ef\u4e3b\u5f20\u6076\u610f\u7d22\u8d54<\/h2>\n<p class=\"wp-block-paragraph\">\u82e5\u4fdd\u9669\u516c\u53f8\u4e0d\u5408\u7406\u62d6\u5ef6\u6216\u62d2\u7edd\u7d22\u8d54\uff0cNJ\u548cNY\u5141\u8bb8\u63d0\u8d77\u6076\u610f\u7d22\u8d54\uff08Pickett v. Lloyd&#8217;s, 131 N.J. 457 (1993)\uff09\u3002\u6076\u610f\u7d22\u8d54\u53ef\u5728\u5408\u540c\u635f\u5bb3\u4e4b\u5916\u4ea7\u751f\u60e9\u7f5a\u6027\u8d54\u507f\u548c\u5f8b\u5e08\u8d39\u3002<\/p>\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">\u7406\u8d54\u5458\u9700\u8981\u8b66\u60d5\u7684\u8bdd\u672f<\/h2>\n<ul class=\"wp-block-list\"><li><strong>&#8220;\u60a8\u4e0d\u9700\u8981\u5f8b\u5e08&#8221;<\/strong>\u2014\u2014\u4f7f\u548c\u89e3\u7ef4\u6301\u4f4e\u4f4d<\/li><li><strong>&#8220;\u7b7e\u8fd9\u91cc\u4ee5\u52a0\u5feb\u533b\u7597\u4ed8\u6b3e&#8221;<\/strong>\u2014\u2014\u5b9e\u4e3a\u6700\u7ec8\u514d\u8d23<\/li><li><strong>&#8220;\u60a8\u7684\u9648\u8ff0\u53ea\u662f\u5e38\u89c4\u7a0b\u5e8f&#8221;<\/strong>\u2014\u2014\u88ab\u5f55\u97f3\u5e76\u65e5\u540e\u4f7f\u7528<\/li><li><strong>\u62d6\u5ef6\u7b56\u7565<\/strong>\u2014\u2014\u8017\u5c3d\u8bc9\u8bbc\u65f6\u6548<\/li><li><strong>\u63a8\u8bff<\/strong>\u2014\u2014&#8221;\u60a8\u5bf9\u4e8b\u6545\u6709\u8fc7\u9519&#8221;<\/li><li><strong>\u4f4e\u4f30<\/strong>\u2014\u2014\u521d\u59cb\u63d0\u8bae\u4e3a\u516c\u5e73\u4ef7\u503c\u768410-30%<\/li><\/ul>\n<h2 class=\"wp-block-heading\" style=\"color:#98344A;border-bottom:2px solid #98344A;padding-bottom:6px;margin-top:32px;\">\u5224\u4f8b\u6cd5<\/h2>\n<p class=\"wp-block-paragraph\"><strong>Pickett v. Lloyd&#8217;s, 131 N.J. 457 (1993)<\/strong> \u2014\u2014\u786e\u7acbNJ\u6076\u610f\u6807\u51c6\u3002<\/p>\n<p class=\"wp-block-paragraph\"><strong>Bi-Economy Market v. Harleysville, 10 N.Y.3d 187 (2008)<\/strong> \u2014\u2014NY\u627f\u8ba4\u4fdd\u9669\u516c\u53f8\u6076\u610f\u7684\u7ed3\u679c\u6027\u635f\u5bb3\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. \u5982\u4f55\u5224\u65ad\u63d0\u8bae\u8fc7\u4f4e\uff1f<\/h3>\n<p class=\"wp-block-paragraph\">\u5bf9\u6bd4\u533b\u7597\u8d39 + \u8bef\u5de5\u635f\u5931 + \u7cbe\u795e\u75db\u82e6\u76842-3\u500d\u3002\u82e5\u63d0\u8bae\u4f4e\u4e8e\u533b\u7597\u8d39\u672c\u8eab\uff0c\u5219\u8fdc\u8fdc\u8fc7\u4f4e\u3002<\/p>\n<h3 class=\"wp-block-heading\" style=\"color:#404040;margin-top:24px;\">Q2. \u7406\u8d54\u5458\u8bf4\u6211\u6709\u90e8\u5206\u8fc7\u9519\u2014\u2014\u5e94\u8be5\u63a5\u53d7\u5417\uff1f<\/h3>\n<p class=\"wp-block-paragraph\">\u7edd\u4e0d\u76f4\u63a5\u63a5\u53d7\u8fc7\u9519\u9648\u8ff0\u3002\u6bd4\u8f83\u8fc7\u5931\u662f\u7ecf\u8bc1\u636e\u5ba1\u67e5\u7684\u6cd5\u5f8b\u8ba4\u5b9a\u3002\u5373\u4fbf\u6709\u90e8\u5206\u8fc7\u9519\uff0cNJ\uff08\u226450%\uff09\u548cNY\uff08\u4efb\u4f55\u6bd4\u4f8b\uff09\u4ecd\u53ef\u83b7\u8d54\u507f\u3002<\/p>\n<h3 class=\"wp-block-heading\" style=\"color:#404040;margin-top:24px;\">Q3. \u7406\u8d54\u5458\u7684\u65f6\u95f4\u538b\u529b\u2014\u2014\u5e94\u8be5\u7b7e\u5417\uff1f<\/h3>\n<p class=\"wp-block-paragraph\">\u4e0d\u3002\u7406\u8d54\u5458\u5236\u9020\u865a\u5047\u7d27\u8feb\u611f\u3002\u8bc9\u8bbc\u65f6\u6548\u662f\u771f\u6b63\u7684\u622a\u6b62\u65e5\uff08NJ 2\u5e74 \/ NY 3\u5e74\uff09\u3002\u548c\u89e3\u63d0\u8bae\u6301\u7eed\u5f00\u653e\u3002\u5148\u54a8\u8be2\u5f8b\u5e08\u3002<\/p>\n<h3 class=\"wp-block-heading\" style=\"color:#404040;margin-top:24px;\">Q4. \u5f8b\u5e08\u6536\u8d39\u7ed3\u6784\uff1f<\/h3>\n<p class=\"wp-block-paragraph\">\u591a\u6570\u4eba\u8eab\u4f24\u5bb3\u5f8b\u5e08\uff08\u5305\u62ec\u5b8b\u5f8b\u5e08\u4e8b\u52a1\u6240\uff09\u6309\u98ce\u9669\u4ee3\u7406\u6536\u8d39\u2014\u2014\u4e0d\u80dc\u8bc9\u4e0d\u6536\u8d39\u3002\u5178\u578b\u98ce\u9669\u4ee3\u7406\uff1a\u5ead\u524d33\u2153%\u3001\u5ead\u5ba140%\u3002NJ\u6cd5\u9662\u89c4\u5219\uff08R. 1:21-7\uff09\u9650\u5236\u8d39\u7528\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\">Tenafly\u5c45\u6c11\u5728\u8ffd\u5c3e\u4e8b\u6545\u540e10\u5929\u6536\u5230$12,000\u5feb\u901f\u548c\u89e3\u63d0\u8bae\u3002\u672a\u54a8\u8be2\u5f8b\u5e08\u5373\u7b7e\u5b57\u3002\u4e09\u4e2a\u6708\u540e\uff0cMRI\u663e\u793a\u690e\u95f4\u76d8\u7a81\u51fa\u9700\u624b\u672f\u2014\u2014\u8d39\u7528\u8fbe$95,000\u3002\u56e0\u5df2\u7b7e\u7f72\u514d\u8d23\uff0c\u65e0\u6cd5\u8fdb\u4e00\u6b65\u8ffd\u8ba8\u3002\u5728\u53d7\u5bb3\u8005\u5148\u54a8\u8be2\u5b8b\u5f8b\u5e08\u4e8b\u52a1\u6240\u7684\u7c7b\u4f3c\u6848\u4ef6\u4e2d\uff0c\u6848\u4ef6\u572814\u4e2a\u6708\u540e\u4ee5$225,000\u548c\u89e3\uff08\u6db5\u76d6\u624b\u672f\u3001\u6301\u7eed\u7269\u7406\u6cbb\u7597\u3001\u8bef\u5de5\u635f\u5931\u3001\u7cbe\u795e\u75db\u82e6\uff09\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 \u4fdd\u9669\u516c\u53f8\u534f\u5546 \u00b7 \u548c\u89e3\u534f\u8bae \u00b7 \u5f55\u97f3\u9648\u8ff0 \u00b7  [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":26369,"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 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