Regular dental checkups and treatment play an important role in maintaining good oral and overall health. Despite this, many Canadians struggle to afford dental care. The federal government has introduced the Canadian Dental Care Plan (CDCP) in response to this challenge.
The Canadian Dental Care Plan (CDCP) is the Government of Canada’s new public dental benefits program. It aims to make preventative and basic dental care more accessible and affordable for Canadians. Let’s understand some key components of this plan.
Who is administering the plan?
The CDCP is a joint effort between Health Canada, Employment and Social Development Canada (ESDC) and Sun Life. Sun Life has been contracted to administer dental claims processing services for those who qualify for the program on behalf of the government.
Who qualifies for the CDCP?
To be eligible for the CDCP, individuals must meet the following requirements: be a resident of Canada for tax purposes, have filed a tax return for the previous year, not have existing dental insurance through an employer or private plan, and have an adjusted family net income of less than $90,000 annually. Applications opened for seniors in late 2023 and children/those with disabilities in mid-2024. All other residents can apply starting in 2025.
How much will the CDCP cover?
The CDCP developed a dental fee guide to determine the fees covered for each service. The fees may be lower than provincial rates. Co-payments are determined by annual income—either 0%, 40%, or 60% of eligible costs, depending on whether income is below $70,000, $70,000-$89,999, or $80,000-$89,999, respectively.
How can people apply?
Seniors received application letters by mail. Others can apply online on the Government website starting in 2025. Approval takes 3 months. Annual reassessment is required to verify continued eligibility.
Which dental services are covered?
The CDCP covers preventative care like cleanings, x-rays, fillings, and extractions. Root canals, simple tooth extractions, dentures, and oral surgery are also covered. More complex or cosmetic procedures require pre-approval.
Which services are not covered by the CDCP?
Cosmetic procedures like veneers and whitening are excluded. Dental bridges, implants, precision attachments, and extensive rehabilitation are also not covered. Orthodontics may be covered starting in 2025 for medical necessity cases only.
Do the same types of treatment cover all patients?
While most basic services do not require pre-approval, some complex treatments or the need for sedation may require an assessment. Certain limitations also apply depending on medical history and the condition of individual teeth.
The CDCP marks an essential step towards improving access to routine and affordable dental care for many low—to middle-income Canadians. While it does not cover all costs or services, this public plan will support better oral health outcomes.
Dental offices like Roseland Family Dental in Windsor welcome all patients, whether they have insurance or wish to apply for the CDCP’s benefits. Our friendly team is here to assist you with all the information you need about the CDCP application process. We understand that dental care can sometimes come with costs, so our team will ensure you get the maximum coverage under the plan. Contact us to learn more!
