U.S. Navy Reserve
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"Ask not what your country can do for you, but what you can do for your country"
President John F. Kennedy
Navy Reserve Dental Corps (Dentist)
Health Care Professionals Incentives
The Navy Reserve offers financial incentives in addition to normal monthly pay to qualified health care professionals. The following information provides details on the Selected Reserve Bonus, the Specialized Training Assistance Program (STIPEND) and the Loan Repayment programs. Acceptance into the incentive programs is available to health care professionals in certain critical specialties based on the needs of the Navy. The amount of the incentives changes periodically.
The Selected Reserve Bonus program offers financial incentives to qualified health care professionals in certain specialties. The bonus amount is based on the officer's speciality and the number of years obligated to serve in the Navy Reserve (from one to three). The bonus is paid in annual increments equal to the term of the initial affiliation contract.
The STIPEND Program. The STIPEND program is for those enrolled in advanced training leading to a skill critically needed by the Naval Reserve. Payments are made on a monthly basis. For each year financial assistance is given, participants incur a two‑year drilling obligation in the Naval Reserve after completion of the training program. Participants receive drill pay in addition to the STIPEND payment.
Loan Repayment Program. The Loan Repayment program is for medical specialists who have completed their training. A portion of loans obtained, insured or guaranteed for medical training is repaid through this program. Reservists can earn a loan repayment of up to $20,000 after each year of satisfactory service performed. The total repayment of loans to any member cannot exceed $50,000.
The programs listed above are subject to revision as the needs of the Naval Reserve change Officers who accept financial incentives incur a drilling obligation. For the latest information contact your local Naval Reserve officer recruiter.
Medical-In-Training (MIT) and REFLEX Training Options
The following information provides details on the Navy Reserve Physician Reservists in Medical Universities and Schools and Reserve Flexibility (REFLEX) training options for medical department personnel. Your Navy Reserve officer recruiter can provide further details on these programs.
Training Options Descriptions
MIT and REFLEX offers training opportunities to physicians, nurses and other medical personnel. Both options permit training periods (drills) to be accrued on an hourly basis.
MIT. This program gives health care professionals an opportunity to earn Reserve pay and retirement points while performing drills at teaching hospitals, medical schools and universities with the MIT program. Drills can also be accomplished at naval hospitals, clinics or fleet hospital detachments, and Navy Reserve activities. Fleet hospitals ranging from 250 to 500 beds provide comprehensive medical support to the Fleet and Fleet Marine Forces engaged in combat operations.
REFLEX. This program authorizes drill flexibility for health care professionals in conventional Reserve units. These drills can be for:
• drills at naval medical and dental treatment facilities;
conducting physical examinations at supporting Naval Reserve activities;
• providing mutual support at federal medical treatment facilities.
Who Can Participate
• The MIT Program is open to health care professionals in critically undermanned specialties.
• REFLEX is for all medical personnel assigned to conventional medical units.
Annual Training and Training Drills
Annual training for MIT and REFLEX may include training or study in:
• clinical training duty at Navy medical and dental treatment facilities in the United States or overseas;
•combat casualty care;
• chemical, biological, radiological defense;
• medical effects of nuclear weapons;
• field medical service;
• landing force medical planning.
Drill activities include:
• attending professional meetings and seminars that contribute to professional or mobilization readiness;
• participating in medical symposiums;
• attending grand rounds and pre‑grand rounds;
attending military courses.
Training drills for MIT and REFLEX participants do not have to take place on weekends, but they may. Many reservists perform drills during the week to fit their busy schedules.
Medical personnel participating in MIT or REFLEX are eligible for all benefits of the Navy Reserve including equity toward retirement, funded continuing medical education, pay for participation as well as the opportunity to participate in the Naval Reserve's Loan Repayment and STIPEND programs.
For more information contact your Southern California Officer Recruiter below:
LCDR Scott Bennie, USN
Reserve Officer Programs
Los Angeles, California
Tel: (805) 982-2310
Ens Paul Henderson
Reserve Medical Officer Programs
Los Angeles, California
Tel: (323) 855-4651