In the United States, one in eight couples has trouble getting pregnant or staying pregnant.
For many, it is not a fertility diagnosis that stands directly in the way of becoming a parent, it is the ability to afford the treatment and other family building options that becomes the biggest barrier. CGMA is proud to support members of the Coast Guard community with financial assistance to build their families.
Assistance is available for clients wishing to engage in a recognized fertility treatment program or associated costs not covered by TRICARE for themselves or their spouse, including intrauterine insemination (IUI), in vitro fertilization (IVF), donor egg/sperm, cryopreservation, surrogacy or other forms of assisted reproductive technology. Loans are not available for any experimental or research programs. Questions about the acceptability of a particular program should be referred to CGMA HQ for determination.


The CGMA Assistive Reproductive Services (ARS) loan program is open to all CGMA clients including:

Active duty and reserve members, civilian employees, CG retirees and Auxiliary members, as well as Public Health Service Officers and U.S. Navy chaplains attached to the Coast Guard.

It is available irrespective of marital status or sexual orientation.

Contact your local CGMA Representative to apply

Program Information

Zero-interest loan up to $6,000.

Repayment will not normally exceed Expiration of Enlistment (EOE), or 36 months without referral to CGMA HQ whichever is earlier. Limited to one loan of this type at a time. Should additional loans be desired, the initial loan must be paid in full before another application is submitted.

Use CGMA Form 3 to apply. Applications must include documentation from the provider showing the anticipated cost. This documentation should be limited to the cost and name of program only. No medical information about the client or their spouse should be included.

The loan may be issued up to 30 days prior to the commencement of preparatory treatment, contract signing, or other mechanisms required to commit to treatment since an initial payment is usually required by providers.

If the treatments/process funded via this program are unsuccessful, members remain eligible for all CGMA adoption loan and grant programs.

Available to all CGMA clients. Marital status or sexual orientation do not affect eligibility.

No budget form (CGMA Form 15) is required.