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Canadian Dental Care Plan (CDCP)

At the Dentist

The Canadian Dental Care Plan (CDCP) is a federal government program intended to reduce financial barriers to oral health care. The program will provide coverage of the cost of dental care for Canadian residents who do not have dental benefits and have a household income of less than $90,000 a year.

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CDCP Program Eligibility:

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  • Be a Canadian resident for tax purposes

  • Not have access to employer/pension-sponsored or private dental insurance

  • Have filed your tax return in the previous year

  • Have an adjusted family net income of less than $90,000

  • Coverage under the CDCP will begin in May 2024 for the earliest applicants.


Applications to the CDCP are phased beginning with seniors.

See application schedule here.

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Services Covered by the CDCP Include:

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  • Preventive services

  • Diagnostic services

  • Restorative services

  • Endodontic services

  • Prosthodontic services

  • Periodontal services

  • Oral surgery services

  • Sedation dentistry services


Some oral health procedure will require preauthorization. This process involves obtaining prior approval, based on the recommendation of the oral health provider, before commencing treatment to ensure coverage under the plan. These treatments and/or services are determined with consideration of an individual’s oral health history and existing medical conditions. Services that require preauthorization will be accessible starting November 2024.

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Want to learn more about this program? Visit: https://www.canada.ca/en/services/benefits/dental/dental-care-plan.html 

How does coverage work?

How much will the CDCP cover?​
Depending on your family’s income, you might need to pay a small part of the bill. This amount is paid to your dentist.

The CDCP will reimburse a percentage of the cost, based on the established CDCP fee guide and your adjusted family net income. You may have a co-payment based on your adjusted family net income. A co-payment is the percentage of the CDCP fees that isn’t covered by the CDCP, and that you will have to pay directly to the oral health provider. Your co-payment is based on your adjusted family net income.

Adjusted Family Net Income
How Much Will the CDCP Cover?
How Much You Will Cover

Lower than $70,000

100% of eligible oral health care service costs will be covered at the CDCP established fees

0% of the CDCP established fees. You may face additional charges as described below.

Between $70,000 and $79,999

60% of eligible oral health care service costs will be covered at the CDCP established fees

40% of the CDCP established fees. You may face additional charges as described below.

Between $80,000 and $89,999

40% of eligible oral health care service costs will be covered at the CDCP established fees

60% of the CDCP established fees. You may face additional charges as described below.

Additional Charges:

The CDCP fees may not be the same as what providers charge. You may have to pay fees in addition to the potential co-payment if:
 

  • the cost of your oral health care services are more than what the CDCP will reimburse for these services

  • you agree to receive care that the plan doesn’t cover​

 

Before receiving oral health care, you should always ask your oral health provider about any costs that won’t be covered by the plan. Make sure you know what you’ll have to pay directly to your oral health provider ahead of receiving treatment.

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Want to learn more about this program?

Visit: https://www.canada.ca/en/services/benefits/dental/dental-care-plan.html 

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