ido-use-filename-at-point

ido-use-filename-at-point is a variable defined in `ido.el'.
Its value is

nil

Documentation:
Non-nil means that Ido shall look for a filename at point.
May use `ffap-guesser' to guess whether text at point is a filename.
If found, use that as the starting point for filename selection.

You can customize this variable.