The Canadian Dental Care Plan (CDCP) is a federal government program that is intended to provide coverage for Canadian residents who do not have dental benefits and have a household income of less than $90,000 a year.
Examples of services that could be covered under the CDCP when recommended by your dentist include:
Who Qualifies for the Dental Care Plan?
To qualify for the CDCP, individuals must meet the following criteria:- Canadian Resident: Applicants must reside in Canada.
- No Dental Insurance: Applicants must not have access to dental insurance through employment or other sources, including personal dental insurance.
- Income Requirements: The annual family income must be less than $90,000. Individuals with an income below $70,000 do not have co-pays, whereas those between $70,000 and $90,000 will have varying co-pay responsibilities.
- Seniors aged 65 and over
- Adults between 55 and 64
- Adults 18 to 54 with a valid federal Disability Tax Credit certificate
- Children under the age of 18
How Much Is Covered by CDCP?
The Canadian Dental Care Plan reimburses a portion of the cost for eligible dental services. The percentage of coverage is determined by adjusted family net income, as summarized below:| Adjusted Family Net Income | CDCP Coverage (%) | Applicant’s Contribution (%) |
|---|---|---|
| Less than $70,000 | 100% | 0% |
| Between $70,000 and $79,999 | 60% | 40% |
| Between $80,000 and $89,999 | 40% | 60% |
- Preventive services, including scaling (cleaning), polishing, sealants, and fluoride;
- Diagnostic services, including examinations and X-rays;
- Restorative services, including fillings;
- Endodontic services, including root canal treatments;
- Prosthodontic services, including complete and partial removable dentures;
- Periodontal services, including deep scaling; and
- Oral surgery services, including extractions.