programs  such  as  family  advocacy,  exceptional  family member,  single  parent  families,  foreign-born  spouses, and dual-career military families. They also provide referral services. Call   Washington,   DC,   Family Service  Center  at  (202)  433-NAVY  for  the  nearest family  service  center. HEALTH BENEFITS ADVISOR The  health  benefits  advisor  (HBA)  provides assistance in obtaining and claiming active duty health and dental care. The HBA provides CHAMPUS and Delta  Dental  information  and  claims  assistance.  They can also liaison with the appropriate claims offices for questions or problems. Get the HBA number from your  NRD. The  Defense  Eligibility  Enrollment System (DEERS) toll-free number    is 1-(800)-538-9552.  Delta  Dental  Plan  numbers  are (916)  381-9368  for  claims  west  of  Mississippi  and (313) 489-2240 for claims east of Mississippi. OMBUDSMAN  PROGRAM Navy Recruiting Command Ombudsman Program, COMNAVCRUITCOMINST  1754.1,  provides  policy and  guidance  for  the  NRC  Ombudsman  Program. There  is  an  ombudsman  assigned  to  CNRC,  Navy Recruiting  Orientation  Unit  (NORU),  each  Area, District,  and  Zone,  Most  of  your  dealings  will  be with  the  Zone  ombudsman.  Ombudsmen  provide valuable  information  and  referral  service  to  Zone families  and  single  members.  They  provide  direct outreach  both  in  person  and  by  telephone,  participate in  the  Sponsor  Program,  attend  NRD  training, originate newsletters, and maintain a resource and assistance file of military and civilian referral sources. COMMAND  MASTER  CHIEF The command master chief (CMC) is the senior enlisted advisor to the command in formulating and implementing policies pertaining to morale, welfare, utilization, and training of all enlisted personnel. As such,  the  CMC  has  direct  access  to  the  CO. Additionally,  the  CMC  is  responsible  for  carrying  out established directed by precedence command. command  policy  in  specific  areas  as the  CO  and  the  XO.  The  CMC  takes over  all  enlisted  members  within  a DRUG AND ALCOHOL ABUSE PROGRAM  ADVISOR The  Drug  and  Alcohol  Abuse  Program  Advisor (DAPA) is the primary command point of contact for drug  and  alcohol  abuse  problems.  Each  NRD  will have a DAPA assigned. COUNSELING AND ASSISTANCE CENTER The Counseling and Assistance Center (CAAC) has  the  capability  of  providing  counseling  and assistance   on   drug   abuse,   alcohol   abuse,   and psychological    disorders. AREA  CHAPLAIN Each  Navy  recruiting  Area  has  a  chaplain assigned. In  addition  to  their  recruiting  duties, chaplains   can   provide counseling   on   personal problems and religion. There may also be a Naval Reserve  chaplain  in  your  Area  who  is  willing  to provide  counseling  support. NAVY  RELIEF  SOCIETY The Navy Relief Society can provide loans and outright grants to alleviate financial emergencies. It also   provides   family   budget   counseling.   Call Washington, DC, Navy Relief Society Headquarters at (202) 696-4904 for the number of the nearest office. CREDIT  UNIONS Credit  unions  offer  a  wide  variety  of  services, including   financial   counseling,   bill   consolidation loans, and savings plans. All personnel assigned to a production recruiter billet are eligible to join the Navy Federal Credit Union, Washington, DC. The number is 1-(800)-656-7676. AMERICAN  RED  CROSS The Red Cross provides emergency assistance of all types, including emergency leave verification and travel  assistance. NAVY  WIFELINE  ASSOCIATION Wifeline  is  an  informational  and  educational organization  comprised  of  volunteer  Navy  wives.  The objective   of   Wifeline   is   to   increase   Navy   wives’ 3-23