Canadian Dental Care Plan
The Canadian Dental Care Plan (CDCP) improves access to essential dental care for uninsured Canadians with a family net income under $90,000. Covering preventive, diagnostic, and restorative services (excluding cosmetic procedures), it promotes oral health and healthcare equity nationwide.
How It Works
Application Process: Apply online or by phone. Approved applicants receive a membership card and coverage start date.
Service Access: Use participating dental providers who bill the CDCP directly. Confirm provider participation before booking.
Covered Services: Includes preventive care (cleanings, exams), diagnostics (X-rays), restorations (fillings, crowns), root canals, dentures, gum treatments, extractions, and anesthesia.
Preauthorization may be required for some services. Orthodontics for medical needs will be added in 2025.
Eligibility Criteria
To qualify for the CDCP, applicants must meet all the following requirements:
No Access to Dental Insurance: Applicants should not have access to any dental insurance through employment, family members, professional or student organizations, or private purchase. This includes situations where individuals choose not to take available insurance or have to pay premiums for it.
Adjusted Family Net Income Below $90,000: The plan is income-tested, targeting families with an adjusted net income under $90,000. Specific co-payment structures apply based on income brackets:
- Below $70,000: 100% of eligible service costs covered.
- $70,000 to $79,999: 60% coverage; 40% co-payment required.
- $80,000 to $89,999: 40% coverage; 60% co-payment required.
Canadian Resident for Tax Purposes: Applicants must be residents of Canada for tax purposes.
Filed Tax Returns: Both the applicant and their spouse or common-law partner (if applicable) must have filed their tax returns for the previous year to assess family income.
It’s important to note that individuals with dental coverage through provincial, territorial, or federal government social programs can still qualify for the CDCP. In such cases, coverage will be coordinated between the plans to ensure there are no duplications or gaps in coverage.
By meeting these criteria, eligible Canadians can access essential dental care services, promoting better oral health across the country.