Provide medical care to naval personnel and their families. Practice medicine in hospitals, clinics, and aboard ships as a qualified physician.
Your day opens with morning rounds in the naval hospital or ship's sickbay, reviewing charts and examining patients with your corpsmen. You diagnose and treat sailors and their families, perform procedures, and consult on complex cases in the clinic, ward, or operating room. Between patients you handle documentation, mentor students, and manage the readiness and immunizations of the units you support.
Watch Real "Medical Corps Officer (Physician)" VideosOfficer - Medical Degree Required, Board Certified
O-6
4 years
30%
Every MilCareer below is paid using the same base structure: Base Pay + tax-free BAH + tax-free BAS + bonuses — plus retirement, health, and education benefits that follow you for life. The per-MOS estimates farther down combine projected lifetime compensation including these allowances.
3.8% across-the-board active-duty pay raise effective Jan 1, 2026 (on top of the targeted 10% junior-enlisted raise from Apr 2025). E-1 base $2,407/mo ≈ $28,886/yr; E-5 with 6 yrs $4,300/mo ≈ $51,599/yr; O-1 with <2 yrs $4,150/mo ≈ $49,802/yr; O-3 with 6 yrs $8,126/mo ≈ $97,506/yr.
Tax-free, varies by ZIP, rank, and dependents. 2026 rates effective Jan 1, 2026 — average 4.2% increase over 2025 (example: E-5 with dependents in Norfolk ≈ $2,430/mo). Rate protection applies: if your area's rate drops, you keep your current amount while stationed there.
Tax-free monthly food allowance. 2026 rates: enlisted $476.95/mo ($5,723/yr); officers $328.48/mo ($3,942/yr).
Blended Retirement System (all members joining 2018+). DoD auto-contributes 1% of base pay to your Thrift Savings Plan (TSP) and matches up to an additional 4% — a 5% guaranteed return. Vest at 2 years, fully portable if you separate before 20.
BRS multiplier: 2.0% × years × average of highest 36 months base pay (paid for life starting at retirement). 20-year E-7 ≈ $25K–$28K/yr; 20-year O-5 ≈ $55K–$65K/yr. Optional lump-sum (25% or 50%) at retirement, plus continued TRICARE.
$0 premium for active-duty members and their families (TRICARE Prime). Retirees pay modest enrollment fees — 2026 TRICARE Prime: $381.96/yr individual / $765/yr family (Group A); $462.96 / $927 (Group B, joined 2018+). Dental and vision available.
After 36 months active duty: 100% in-state public tuition + monthly housing stipend (BAH at the school's ZIP) + $1,000/yr book stipend, for 36 months. Transferable to spouse/children after 6 years of service. Yellow Ribbon covers gaps at private/out-of-state schools.
Service-connected disability comp is tax-free, monthly, for life — 2026 rates (2.8% COLA, effective Dec 1, 2025): 10% = $180.42/mo, 50% = $1,132.90/mo, 100% = $3,938.58/mo (single, no deps). VA home loan with $0 down/no PMI, VR&E (Chapter 31), VA health care, life insurance (VGLI), and PACT Act expanded toxic-exposure care.
Sources: DoD FY 2026 Military Pay Tables, DTMO 2026 BAH/BAS rates, DFAS BRS, VA.gov 2026 disability rates, VA Education benefits. Bonuses (enlistment, re-enlistment, special-duty, hazardous-duty, language, jump/dive) are MOS- and branch-specific and stack on top of base compensation.
Estimated total compensation (base pay + BAH + BAS + benefits + bonuses typical for this MOS) at common career milestones. Actual pay depends on rank progression, location, dependents, and bonuses earned.
Civilian careers that commonly hire people with medical experience, with national median salaries. Your Mil training, security clearance, and leadership experience often place you above the median.
median per year
median per year
median per year
Source: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics (May 2024 national medians). Click a career to see full details on O*NET OnLine (U.S. Department of Labor). Compare with the Mil compensation above — remember Mil pay includes tax-free housing and food allowances, free healthcare, and a pension.