The short answer
The Indian Health Service is a federal agency that provides health care to eligible American Indians and Alaska Natives through IHS facilities, tribally run programs, and urban Indian health programs. Care outside those facilities may be covered through Purchased/Referred Care, which has requirements and is not an entitlement. IHS states plainly that it is not a health insurance provider.
IHS is part of the Department of Health and Human Services and describes itself as the principal federal health care provider and advocate for Indian people.
Services are delivered three ways: directly by IHS, by tribes under self-determination agreements, and through urban Indian health programs.
IHS says members of the 575 federally recognized tribes and their descendants qualify for services.
IHS is not health insurance, and it provides care to eligible people at its own hospitals and clinics.
Choose how you want to understand this
The full explanation.
What the Indian Health Service is
The Indian Health Service, usually shortened to IHS, is a federal agency inside the U.S. Department of Health and Human Services. IHS describes itself as the principal federal health care provider and health advocate for Indian people.
Its stated mission is to raise the physical, mental, social, and spiritual health of American Indians and Alaska Natives to the highest level. That wording is unusual for a federal agency, and it is deliberate. IHS also describes a vision that includes integrating traditional knowledge to support thriving communities.
IHS traces its authority to the government-to-government relationship between the United States and tribes, rooted in the Constitution and carried forward through treaties, laws, Supreme Court decisions, and executive orders. This is not a charity program. It comes from a legal relationship.
How the system is built
IHS is not one hospital. It is a delivery system with three parts:
- Direct IHS services, provided at federal hospitals and clinics run by the agency
- Tribal programs, run by federally recognized tribes under self-determination agreements
- Urban Indian health programs, serving American Indians and Alaska Natives living in urban areas, through the Office of Urban Indian Health Programs
IHS has headquarters in Rockville, Maryland, and operates 12 regional Area Offices covering places such as Alaska, the Southwest, and the Great Plains. It describes serving approximately 2.8 million American Indians and Alaska Natives across roughly 575 federally recognized tribes.
Because tribes may run their own programs, the answer to "what is available near me" genuinely varies from one community to the next. It depends on the agreements a particular tribe has.
Who is eligible
IHS says members of the 575 federally recognized American Indian and Alaska Native tribes and their descendants qualify for services. It also makes an important point plainly: IHS is not a health insurance provider, and it can provide health care only to eligible American Indians and Alaska Natives at its federal hospitals and clinics.
Detailed eligibility policy lives in the Indian Health Manual. IHS advises contacting your tribe and the specific health facility with eligibility questions, which is good advice because the answer can depend on both.
Purchased and referred care
Cancer care often needs services a local clinic does not provide. That is where Purchased/Referred Care, or PRC, comes in. IHS defines it as medical or dental care provided away from an IHS or tribal facility, in contrast to direct care given inside one.
PRC works as a referral and payment system. When care is needed elsewhere, a patient can seek IHS authorization and payment for it. IHS lists conditions that must be met: residency requirements, notification requirements, medical priority, and use of alternate resources such as Medicare, Medicaid, or private insurance first.
IHS states something you should read twice. PRC is not an entitlement program, and an IHS referral does not imply the care will be paid. There is an appeal process if a request is denied.
That single sentence explains most PRC frustration. A referral and an approved payment are two different things.
What IHS can do for a patient today
You can find out where you stand. IHS says that once eligibility is confirmed, you contact the facility's patient registration department, which explains the registration process, the documents needed to establish a medical record, and how to schedule appointments.
You can get connected to comprehensive services. IHS describes clinical and preventive care, behavioral health, environmental health, health promotion and disease prevention, and community health representative programs.
And if you need care outside the system, you can start the PRC process early rather than after the fact. Notification requirements exist, and meeting them on time protects you.
What it cannot do
It is not insurance. IHS says so directly. Coverage you can carry to any provider is a different thing from services at IHS and tribal facilities.
It cannot promise to pay for outside care. PRC has requirements, priorities, and limited funding, and a referral alone is not approval.
It cannot serve people who are not eligible. Eligibility follows tribal membership and descendancy rules described in its policy.
It cannot answer facility-specific questions from a national web page. What your clinic offers, and whether a service is direct or purchased, is a local question.
And it cannot make treatment decisions for you. This page describes an agency, not medical advice. Talk with your own clinicians about your care.
Practical steps that help
Register before you are in crisis. Establishing a medical record and confirming eligibility is much easier on a calm day.
Ask about PRC as soon as an outside referral is mentioned. Ask specifically what notification is required, by when, and who submits it.
Bring your other coverage information. Because alternate resources must be used first, having your Medicare, Medicaid, or private plan details on hand speeds things up rather than reducing your access.
Ask about the appeal process if something is denied. IHS says one exists, along with a written statement of patient rights and responsibilities.
Finally, ask who coordinates cancer care in your area. Whether your care is direct, tribal, or urban, one person who knows your case is worth more than any amount of paperwork.
Words to know
Tap any term to see what it means.

Common questions
Is the Indian Health Service health insurance?
No. IHS states that it is not a health insurance provider and that it can provide health care only to eligible American Indians and Alaska Natives at its federal hospitals and clinics.
Who is eligible?
IHS says members of the 575 federally recognized American Indian and Alaska Native tribes and their descendants qualify. Detailed policy is in the Indian Health Manual, and IHS advises contacting your tribe and your specific facility with eligibility questions.
What is Purchased/Referred Care?
IHS defines PRC as medical or dental care provided away from an IHS or tribal facility, with IHS authorization and payment requested for those services.
If I get a referral, is my outside care paid for?
Not automatically. IHS says PRC is not an entitlement program and that a referral does not imply the care will be paid. Requirements include residency, notification, medical priority, and using alternate resources first.
What if PRC is denied?
IHS says the program has an appeal process, along with patient rights and responsibilities documentation. Ask your facility how to start an appeal.
How do I become a patient?
IHS says that once eligibility is confirmed you contact the facility's patient registration department, which explains registration, needed documents, and scheduling.
Does IHS provide cancer treatment itself?
IHS describes comprehensive clinical, preventive, and behavioral health services. Specialized cancer treatment may involve referral outside the facility, which is where PRC applies. Ask locally what is available.
Questions to ask your doctor
Being prepared helps you get the most out of your appointments. Save or print these questions.
Tap a question to save it to your list (kept on this device).
Your next step
Turn this topic into questions for your next appointment.
Speak With Trained Specialists & Human Navigators
Cancer Explained provides educational guidance, but does not replace trained specialists, social workers, or your medical team.
Talk to a trained cancer information specialist
Free, confidential assistance from NCI Cancer Information Service via phone, chat, or email.
Contact your oncology team
Locate after-hours contact numbers, portal messages, or urgent triage phone lines.
Find a patient navigator
Get one-on-one help with appointments, logistics, translation, and care coordination.
Find a genetic counselor
Discuss inherited mutation risk, family history, and genetic testing options.
Find an oncology social worker
Access emotional counseling, family support groups, and mental health resources.
Find a financial navigator
Locate copay assistance foundations, grant programs, and lodging/travel support.
Find a clinical-trial specialist
Search matching studies and speak with NCI trial information specialists.
Get urgent help
Immediate emergency guidance for fever (>100.4°F during chemo), severe pain, or shortness of breath.
Know someone who needs this?
Plenty of people are looking for something like this and do not know where to start. If this would help a friend or someone you love, send it on — we have written an opening line so you do not have to stare at an empty message. You can change every word of it.
Your message is written and sent in your own email or messaging app — we never see who you send it to, and nothing is added to any list.
Plain-language explanation of the published sources cited on this page. AI-assisted, source-checked, not clinician-reviewed.
Sources last checked: 2026-09-03 what this meansLast updated: 2026-09-03Next planned review: 2027-09-03
How this page was created
Cancer Explained does not originate medical claims. Every page restates guidance already published by the National Cancer Institute, the CDC, the USPSTF and the FDA, in plain language, with the source cited so you can check the original yourself. AI does the translating and organizing; automated checks test claims, citations, clarity and safety before anything publishes, and this is translation and navigation, not clinical judgment. Nothing here is personal medical advice, and no page can account for your particular situation.
Editorial status — Editorial review complete. This page completed Cancer Explained's editorial checks (sources, safety, plain language, duplication). It has not been reviewed by a physician or other healthcare professional.
General education. Low-risk educational or organizational content. Medical facts are cited to authoritative sources.
Human medical review: not completed. Pages here are not signed off by a clinician before they publish. That is not an oversight we are quietly working around: we restate published guidance and cite it, so the authority belongs to the source rather than to us, and every page names where its claims come from — you can verify us instead of trusting us. Where a volunteer clinician has reviewed a page, their name and credentials appear on it; where no name appears, no clinician has checked it. We are glad to have reviewers and are recruiting them, and we do not hold pages back waiting for one. Use this site to understand your situation and to ask better questions of the people treating you.
How this page was created
Cancer Explained does not originate medical claims. Every page restates guidance already published by the National Cancer Institute, the CDC, the USPSTF and the FDA, in plain language, with the source cited so you can check the original yourself. AI does the translating and organizing; automated checks test claims, citations, clarity and safety before anything publishes, and this is translation and navigation, not clinical judgment. Nothing here is personal medical advice, and no page can account for your particular situation.
Editorial status: Editorial review complete — This page completed Cancer Explained's editorial checks (sources, safety, plain language, duplication). It has not been reviewed by a physician or other healthcare professional.
Human medical review: not completed. Pages here are not signed off by a clinician before they publish. That is not an oversight we are quietly working around: we restate published guidance and cite it, so the authority belongs to the source rather than to us, and every page names where its claims come from — you can verify us instead of trusting us. Where a volunteer clinician has reviewed a page, their name and credentials appear on it; where no name appears, no clinician has checked it. We are glad to have reviewers and are recruiting them, and we do not hold pages back waiting for one. Use this site to understand your situation and to ask better questions of the people treating you.
Read more about our editorial process, our use of AI, and our corrections policy.
Spotted a problem? Report an error — a factual mistake, broken or outdated source, confusing wording, or anything that seems unsafe. Please do not include names, medical record numbers, dates of birth, addresses, or other identifying medical information in your report.
After using this page, do you understand what to do next?
Anonymous — we only record the answer, never who gave it.
Related articles
Still have questions?
Educational answers, plain language
Free to print and share
