Canadian Dental Care Plan
The Canadian Dental Care Plan (CDCP) – What You Need to Know
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. There’s always a copay, even at 100% CDCP coverage, due to the difference between the CDCP fee guide and what the office charges (e.g., ODA fee guide).
| Adjusted Family Net Income | CDCP Covers | You Pay |
|---|---|---|
| Less than $70,000 | 100% of eligible fees | 0% |
| $70,000 to $79,999 | 60% of eligible fees | 40% |
| $80,000 to $89,999 | 40% of eligible fees | 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?
The CDCP is being rolled out in phases, so not everyone can apply at the same time. Here’s the latest schedule:
| Group | Applications Open |
|---|---|
| Seniors aged 65+ | Now open |
| Adults with a valid Disability Tax Credit | Now open |
| Children under 18 | Now open |
| Adults aged 55–64 | May 1, 2025 |
| Adults aged 18–34 | May 15, 2025 |
| Adults aged 35–54 | May 29, 2025 |