Canadian Dental Care Plan
The Canadian Dental Care Plan (CDCP) – What You Need to Know
The Canadian Dental Care Plan (CDCP) is a new federal program designed to help make dental care more affordable for Canadians who don’t have private dental insurance. If your household income is under $90,000 a year and you don’t have coverage through work or another provider, you may qualify for reduced-cost dental care.
If you or someone you love might be eligible, here’s what to know before your next dental visit at Pacific Dental in Toronto.
Understanding Costs: Is Dental Care Free Under the CDCP?
Not always. While the CDCP helps cover many treatments, it’s not a completely free program for everyone. The amount covered depends on your family’s income, and some services may still require you to pay a portion out of pocket—this is called a co-payment.
| Adjusted Family Net Income | CDCP Covers | You Pay |
|---|---|---|
| Less than $70,000 | 100% of eligible fees | 0% |
| $70,000 to $79,999 | 60% of eligible fees | 40% |
| $80,000 to $89,999 | 40% of eligible fees | 60% |
What Treatments Are Included?
The CDCP focuses on essential oral health care. Coverage includes services like:
- Exams, X-rays, and cleanings
- Fillings and root canals
- Tooth extractions and dentures
Some treatments, especially more advanced ones, may require pre-approval. Since November 1, 2024, dentists have been able to submit preauthorization requests for services that fall outside the basic list. These are assessed by Health Canada based on your oral health needs.
When Can You Apply?
The CDCP is being rolled out in phases, so not everyone can apply at the same time. Here’s the latest schedule:
| Group | Applications Open |
|---|---|
| Seniors aged 65+ | Now open |
| Adults with a valid Disability Tax Credit | Now open |
| Children under 18 | Now open |
| Adults aged 55–64 | May 1, 2025 |
| Adults aged 18–34 | May 15, 2025 |
| Adults aged 35–54 | May 29, 2025 |
Questions? We’re Here to Help at Pacific Dental in Toronto
If you’re unsure whether you’re eligible or want help understanding how much your appointment might cost under the CDCP, don’t hesitate to reach out. We’re happy to walk you through your options so you can get the care you need.
📞 Call us at (416) 762-9706 to learn more or to book an appointment at our Toronto clinic, Pacific Dental.
