Medical/Dental Loan

Most medical and dental care is covered by government benefits, but in some extraordinary cases you can be left with a hefty bill. CGMA is there to fill the gap.

Man in medical mask receiving a shot


Up to $6,000

Type of Assistance

Interest-Free Loan


Active Duty
Civilian Employees
PHS Officers and Chaplains
Retired Military Personnel
Surviving Spouses

Start with Your CGMA Rep

Start with your local CGMA Representative

There are more than 600 Coast Guard Mutual Assistance Representatives to help you.


How to Apply

Gather these documents:

Contact your CGMA Representative to start the process.

What's Covered?

CGMA provides assistance for extraordinary, unexpected, or emergency situations for expenses not covered for by TRICARE, the Coast Guard, other government agencies, private insurance coverage (including TRICARE supplements), or other organizations.

  • Client must demonstrate financial need.
  • Expenses must be medically required, not elective.
  • Expenses must be denied by TRICARE or private insurance and other resources must be exhausted.

Most assistance is by interest-free loan up to $6,000, but CGMA may consider a larger amount or a partial grant in extreme situations.


  • Partial payment required before treatment
  • Patient’s cost share
  • Mental health and family counseling
  • Purchase or rental of medical equipment
  • Orthopedic shoes, hearing aids, glasses, artificial limbs, implants, orthopedic appliances, and braces
  • Temporary rehabilitation care, nursing care, home care, or respite care
  • Orthodontic treatment or other long-term dental care
  • Travel, food, lodging, childcare, and necessities


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