HIP Choice Plus Direct Governor’s Bill is a New York State mandated Point of Service (POS) plan marketed and sold only to the direct pay population in the product’s service area. Direct Pay members are those who purchase a policy directly with HIP, rather than purchasing it through an employer group. With the HIP Choice Plus Direct Pay Governor’s Bill plan, members can see providers both in- and out-of-network. Memebers in the HIP Choice Plus Direct Pay Governor’s Bill plan receive maximum benefits under their plan when their in-network PCP provides their health care or refers them to in-network specialists when specialty services are needed. Members incur higher out-of-pocket costs when using their out-of-network benefits or in most cases, when they go directly to a physician without a referral from their PCP.