First - I'm always looking for dive buddies. If there are any former Navy divers or SEALs (or even a Marine Force Recon) out there on the board - PLEASE look me up. I would be honored and privileged to dive with you, with or without a c card. First beer is on me too.
My experience is not about diving, but it's close IMHO.
When I left the Navy, the FAA would not let me fly for profit OR fun without civilian ratings. When I got my Naval Aviator wings (71), we could get a commercial license (not what the airlines need) without any flight checks by taking a "military equivalence" written examination but that's a federal law thingy.
PADI, NAUI etc are not exactly in the same league legally but I think we all see the point about learning (especially for an instructor) the nuances of rec diving - just take a look at the Navy dive tables if you don't think they have different rules. HOWEVER, just like I could not make a leap between Navy antiques and 727s without some checks, it was a lot easier for me then for some kid who had been flying Cessnas. Beyond the commericial rating, you had to take the FAA check rides, although some commands would allow use of military planes, gas etc. to take on your checkride.
I would think the diving associations (IANTD, PADI, NAUI etc) groups would have some fast paths for experienced military divers, and if I was a dive shop owner I'd LOVE to have bragging rights that I had a real Navy Diver on staff. They would have to learn the peculiarities that I'm thinking the Navy doesn't have the cycles to teach to Navy Divers, let alone SEALs within focused military training objectives.
Someone should check the dive shops around Little Creek or Coronado and ask if they do "referrals" for the Navy.
As a taxpayer, I would hope and pray the Navy has the good sense to offer some good deals to their diving community to keep these folks happy and serving. Like me, some may want to use some of their skills in a civilian carrer when they get out, and I think it's in our best interest to foot the bill.
Mark
ps - if you know a Force Recon Marine, read this to him.