IDS health insurance plans have many things in common with HMO plans. IDS plans require that you select a primary care provider to coordinate your care, do not cover services from out-of-network providers (unless in emergencies), and require referrals for most specialist visits.

IDS plans are unique in that you would receive most of your care from providers at facilities operated by the IDS. While IDS plans restrict choice to only one set of providers, they offer convenience by offering most of the care you would need at a single location. IDS plans have limited service areas dictated by the locations of their care facilities.