Canadian Dental Care Plan
The Canadian Dental Care Plan (CDCP) In Carleton Place
The Canadian Dental Care Plan (CDCP) is a new federal program designed to help make dental care more affordable for Canadians who don’t have private dental insurance. If your household income is under $90,000 a year and you don’t have coverage through work or another provider, you may qualify for reduced-cost dental care.
If you or someone you love might be eligible, here’s what to know before your next dental visit at CP Dental Studio in Carleton Place.
Understanding Costs: Is Dental Care Free Under the CDCP?
Not always. The CDCP may cover a portion of your dental costs, but you will often have an out-of-pocket expense. This is due to two factors:
- Co-payment: Depending on your household income, you may be responsible for a percentage of the eligible CDCP fee for a service.
- Fee Difference: The CDCP reimburses based on its own fee guide, which is often lower than the standard fees used by dental offices (e.g., provincial dental association fee guides). You are responsible for covering any difference between what the CDCP pays and what your treatment costs.
| Adjusted Family Net Income | CDCP Covers (of eligible CDCP fees) | Your Co-payment (of eligible CDCP fees) |
|---|---|---|
| Less than $70,000 | 100% | 0% |
| $70,000 to $79,999 | 60% | 40% |
| $80,000 to $89,999 | 40% | 60% |
What Treatments Are Included?
The CDCP focuses on essential oral health care. Coverage includes services like:
- Exams, X-rays, and cleanings
- Fillings and root canals
- Tooth extractions and dentures
Some treatments, especially more advanced ones, may require pre-approval. Since November 1, 2024, dentists have been able to submit preauthorization requests for services that fall outside the basic list. These are assessed by Health Canada based on your oral health needs.
When Can You Apply?
As of October 2025, all eligible Canadians can now apply for the CDCP. The plan was rolled out in phases, but all groups are now open for enrollment. This includes:
- Seniors aged 65 and over
- Adults with a valid Disability Tax Credit certificate
- Children under 18
- All other adults aged 18-64
The phased rollout completed in May 2025, making the plan accessible to all eligible age groups. You can visit the official Government of Canada website to apply or learn more.