To protect Navy families from devastating financial loss due to serious illness or long-term treatment, a limit has been set on how much families will ever have to pay for medical costs. This is called a catastrophic cap. Sailors get free dental care at military dental clinics while they are on active duty. Dental care for family members is provided on a space-available basis in most clinics. It offers low-cost dental care for Sailors families by using civilian dentists.
Sailors pay a modest monthly fee by payroll deduction to enroll.
Family members are responsible for the remaining 20 percent. Usually, enrollment is for a minimum of 24 months.