CDCP FAQ

Pacific Dental is pleased to announce that we now accept patients eligible for coverage under the new Canadian Dental Care Plan (CDCP) government program.

It's important to note that Pacific Dental will continue to adhere to our regular fee guide, not the CDCP fee guide. As there will likely be variations between the CDCP fee guide and the Dental Association fee guide, patients may encounter differences in coverage percentages.

While Pacific Dental will directly accept bulk payments from SunLife, the insurance provider for the CDCP plan, we expect patients to settle any remaining co-pay balance at the time of service.

Patients are responsible for understanding their CDCP plan coverage terms. Pacific Dental cannot provide specific details on coverage or percentage of coverage; this information is between the patient and the CDCP plan (Service Canada and SunLife).

What is the Canadian Dental Care Plan (CDCP)?

At Pacific Dental, we're dedicated to keeping Toronto's residents smiling bright! If you're seeking clarity on the Canadian Dental Care Plan (CDCP), you've come to the right place. Let's break it down.

The CDCP, a federal initiative, extends coverage to Canadian residents lacking dental benefits and with a household income under $90,000 annually. However, it's essential to note: the CDCP isn't a free dental program but a valuable government dental benefit.

Designed specifically for individuals without existing dental coverage, the CDCP complements rather than replaces benefits offered through employment, educational institutions, or private plans. Managed by Health Canada and administered by Sun Life, it aims to bridge the gap in dental care accessibility.

At Pacific Dental, we believe in empowering our community with knowledge about available dental resources. Remember, eligibility and coverage decisions for the CDCP aren't made by dental professionals like Dr. David Sacoransky, but rather by governing bodies.

If you have questions or seek further guidance regarding the CDCP or any dental concerns, our team is here to assist you every step of the way. Let's work together to ensure you receive the dental care you deserve!

How to Determine Your Eligibility for CDCP

If you're wondering whether you qualify for the Canadian Dental Care Plan (CDCP), we're here to help you navigate the process.

The federal government is currently reaching out to the first groups of eligible citizens to provide information on the application process. If you haven't received a letter by May, it's possible that you may not be eligible, or at least not yet.

To confirm your eligibility, visit the official government website:

Check Eligibility on Government Website

Stay informed about your eligibility status and take advantage of the resources available to you. If you have any questions or need assistance, don't hesitate to reach out to our team at Pacific Dental. We're here to support you every step of the way.

How much does the CDCP cover? Will my dental care be free?

No. The Canadian Dental Care Plan (CDCP) does not offer free dental care. It's a government dental benefit that assists in covering a portion of your dental expenses. Patients may be responsible for paying the remaining costs that are not covered.

Patient co-payments under the CDCP are determined based on their adjusted family net income:

No co-payment for CDCP benefits if your adjusted annual family net income is under $70,000.
A 40% co-payment for CDCP benefits if your adjusted annual family net income falls between $70,000 and $79,999.
A 60% co-payment for CDCP benefits if your adjusted annual family net income ranges from $80,000 to $89,999.

Pacific Dental will bill our usual and standard fees. Apart from the potential co-payment, patients may also be required to cover any portion of our usual fees not covered by the CDCP.

Prior to scheduling your dental appointment, discuss the treatment costs with Dr. David Sacoransky , including any expenses not covered by the CDCP.

What services will be covered under the CDCP?

Dr. David Sacoransky's Dental Care in Toronto is here to guide you through the services covered under the Canadian Dental Care Plan (CDCP). Understanding these services is crucial for maximizing your dental benefits.

Scaling (cleaning), polishing, sealants, and fluoride treatments
Comprehensive examinations and X-rays
Fillings and root canal therapies
Complete and partial removable dentures
Oral surgery procedures, including extractions

It's important to note that some services may require preauthorization, necessitating prior approval based on Dr. David Sacoransky's recommendations. Your Dr. David Sacoransky will assess whether the proposed treatment falls under CDCP coverage. Services requiring preauthorization will be available starting November 2024.

For a comprehensive list of all covered services, visit the CDCP Dental Benefits Guide.

Can the CDCP replace my existing dental coverage through work or school?

No. The CDCP is designed for Canadian residents who do not have dental benefits. To qualify for the CDCP, you must not have access to any type of dental insurance or coverage through:

Employer-provided benefits, including health and wellness accounts for yourself or family members
Professional or student organizations
Pension benefits (for previous employers or family members), unless retired before December 11, 2023, and unable to opt back in under pension rules
Privately purchased coverage or through group plans from insurance or benefits companies

Important to note: If you're eligible for dental coverage through employment benefits or an organization, you're ineligible for the CDCP, regardless of usage.

Employers are now required by the Canada Revenue Agency to report dental insurance coverage on T4/T4A forms, ensuring transparency for employees and their families.

Dr. David Sacoransky emphasizes the importance of evaluating existing coverage before considering CDCP enrollment. Cancelling current coverage could lead to unforeseen costs, as CDCP care may prove more expensive than private insurance. Understand all details and costs to make the best decision for you and your family.

For comprehensive eligibility details, visit canada.ca/dental.

Will I lose my dental coverage at work when the CDCP comes out?

We don’t know and this should concern us all.

Currently, two-thirds of Canadians enjoy dental coverage through their employment, educational institutions, or group plans. These plans afford individuals the freedom to choose their dentist and dictate their dental care.

We believe that the CDCP should improve access to care for people who don’t have benefits. The CDCP should not take away dental benefits that people already have.

What is the Canada Dental Benefit (CDB)?

Dr. David Sacoransky's Dental Care in Toronto informs families about the Canada Dental Benefit (CDB), a temporary assistance program aiding children under 12 without access to private dental benefits and whose family income falls below $90,000 annually. The CDB offers tax-free payments of up to $650 per eligible child per year for two years to cover out-of-pocket dental expenses.

Applications are open until June 30, 2024, for: