CANADIAN DENTAL CARE PLAN (cdcp)
Canadian Dental Care Plan (CDCP)
The Canadian Dental Care Plan (CDCP) offers dental coverage through a federal initiative designed for qualifying Canadian residents. This program serves individuals and families without existing dental insurance who earn less than $90,000 in adjusted annual household income.
ELIGIBILTY CRITERIA
CDCP eligibility requires meeting all these essential requirements:
-
Canadian tax residency status
-
Current tax filing (previous year's return submitted)
-
Household income below $90,000 (adjusted family net income)
-
No existing dental coverage, including:
-
Workplace benefits or health spending accounts
-
Pension-related dental plans
-
Professional, union, or student organization coverage
-
Individual or family insurance policies"
-
CDCP Coverage & Fees
The CDCP reimburses dental treatments according to predetermined CDCP fee schedules, which often vary from standard provincial dental pricing.
Your Coverage Based on Income:
Annual Family Income (Adjusted) CDCP Pays
Under $70,000 100%
$70,000–$79,999 60%
$80,000–$89,999 40%
*Understanding Additional Charges – CDCP reimbursement rates may differ from what dental providers charge. The plan covers eligible services only at established CDCP rates, which typically differ from provincial fee guides that dentists commonly reference for standard pricing.
You may incur additional costs beyond your co-payment when:
-
Treatment costs exceed CDCP reimbursement limits based on their fee schedule
-
You choose to receive services not covered under the plan
Dental Services Covered by CDCP
The CDCP covers the following dental services:
-
Preventive dentistry (cleanings, exams)
-
Restorative dentistry (fillings)
-
Oral surgery (extractions)
-
Sedation dentistry
-
Orthodontic treatments(preauthorization required)
-
Crowns(preauthorization required)
-
Periodontics
-
Dentures (some require preauthorization)
Renewal Information for Current CDCP Members
CDCP Renewal Reminder - Due June 1, 2025: Active CDCP beneficiaries must renew their dental coverage each year by completing their 2024 tax return and receiving their Notice of Assessment.
-
Critical Deadline: June 1, 2025
-
Late renewal results in benefit suspension starting June 30, 2025. Although reinstatement is available, dental treatments during the lapse period are not eligible for reimbursement."
For more information, visit www.canada.ca/dental.