Understanding the Canadian Dental Care Plan: Key Information and Eligibility

The Canadian Dental Care Plan (CDCP) aims to lower the cost of dental treatment for qualified Canadian citizens. Under the program, those without dental insurance with adjusted family net incomes under $90,000 can get subsidies for dental care.

Important Note: Scott and Derry Dental Care accepts patients covered under the CDCP Plan. However, we do not administer the program. All applications must be submitted through Service Canada before booking an appointment with us. 

Eligibility Criteria

To be eligible for the CDCP, applicants must fulfill the following criteria:

• No Access to Dental Insurance: Applicants should not be able to possess dental coverage through employer benefits, pension plans, or private insurance.
• Adjusted Family Net Income: Household income must be below $90,000.
• Canadian Residency: Applicants must be residents of Canada for tax purposes.
• Tax Filing: Applicants should have filed a tax return for the previous year. 

As of 2025, applications are open to all eligible Canadian residents. This includes the final group of adults aged 18 to 64 that became eligible over the course of May 2025. 

Coverage and Co-Payments 

The CDCP covers a range of dental services, including preventive care, diagnostic services, restorative treatments, and oral surgery. However, the program may not cover the full cost of all services. Depending on the adjusted family net income, co-payments may be required:

• Income Below $70,000: 100% coverage of eligible services.
• Income Between $70,000 and $79,999: 60% coverage; 40% co-payment.
• Income Between $80,000 and $89,999: 40% coverage; 60% co-payment. 

It’s important to note that the CDCP fee rates may differ from those of provincial and territorial fee guides, potentially leading to additional out-of-pocket expenses.

Note: For more detailed information and the latest updates and changes on CDCP, please visit the official website of the Government of Canada.