The Canadian Dental Care Plan (CDCP) is a federal government program intended to reduce financial barriers to oral healthcare. To qualify for the Canadian Dental Care Plan (CDCP), you must meet all the eligibility criteria. If you have a spouse or common-law partner, you both need to meet the eligibility criteria to be able to qualify for the CDP. Eligibility for children under 18 will be determined by the parents’ or guardians’ eligibility.
Eligibility criteria
To qualify for the CDCP, you must:
Not have access to dental insurance
Have an adjusted family net income of less than $90,000
Be a Canadian resident for tax purposes
Have filed your tax return in the previous year
Eligible Nova Scotians should be aware that the CDCP will not provide free dental care. Based on the details currently available, this is a federal dental benefit that will only partially cover the cost of care. This means that patients will have varying co-payments depending on their household income.
Before proceeding with treatment, it is important for patients to understand their costs for dental services, treatment, and care. Your dentist can help you understand what your costs may be for the treatment plan that is right for you.
Dentists will also reserve the right to decide whether or not to participate in the program. Please be advised that you may not be able to receive care under the program from your usual provider should they opt out of the CDCP program.
Read our Frequently Asked Questions below to learn more about the CDCP and the Canada Dental Benefit.
What is the Canadian Dental Care Plan?
In 2022, the federal government announced plans to create the Canadian Dental Care Plan (CDCP), providing dental care coverage for uninsured Canadians with a household income of less than $90,000 a year. The program is administered by Health Canada with support from Sun Life.
Who qualifies for CDCP?
Individuals must meet all of the following criteria in order to be eligible for CDCP coverage:
No access to dental insurance, meaning:
no coverage through employer or a family member’s employer benefits; including health and wellness accounts;
no coverage through pension (previous employer) or a family member’s pension benefits; or
no coverage through a purchased plan by yourself or by a family member or through a group plan from an insurance or benefits company.
an adjusted family net income of less than $90,000;
be a Canadian resident for tax purposes; and
have filed their tax return in the previous year.
Canadian residents who have access to dental benefits through a social program offered by their province or territory and/or by the federal government will be eligible for the CDCP if they meet all the eligibility criteria.
Patients who decide to opt out of available benefits to them will be considered as having access to dental insurance for the purposes of determining qualification criteria.
CDCP patients may have to pay a co-payment out of pocket based on their adjusted family net income. A co-payment is the percentage of the CDCP fees that is not covered by the CDCP and that a patient will have to pay directly to the oral health provider.
The co-payment is based on a patient’s adjusted family net income:
60% required co-payment for patients with an adjusted annual family net income between $80,000 and $89,999. Patients may face additional charges as described below.
40% required co-payment for patients with an adjusted annual family net income between $70,000 and $79,999. Patients may face additional charges as described below.
No required co-payment for patients with an adjusted annual family net income under $70,000. Patients may face additional charges as described below.
Additional charges
In addition to co-payments, patients may be required to pay additional charges. These additional charges are to cover a portion of the cost of their care when the CDCP rate is lower than the dentist’s usual and customary fee or if the patient chooses to proceed with care that is not covered by CDCP.
The CDCP pays only for services covered within the plan at the established CDCP rates. These rates are not the same as provincial and territorial fee guides that dentists usually utilize as reference to establish their usual and customary fee.
What services are covered under the CDCP?
For an overview of which dental services may be covered under the CDCP, visit canada.ca/dental
When can I get my benefits?
Once you’ve applied through Health Canada and it is confirm that you qualify, your information will be shared with Sun Life, which will enroll you in the CDCP. Sun Life will then send you your coverage start date and member card.
The start date to access oral health care will vary based on when each group can apply, when the application is received, and when enrolment is completed. We recommend you contact the Government with any specific questions regarding your qualifications.
Application schedule:
Group
Applications Open
Seniors aged 87 and above
Starting December 2023
Seniors aged 77 to 86
Starting January 2024
Seniors aged 72 to 76
Starting February 2024
Seniors aged 70 to 71
Starting March 2024
Seniors aged 65 to 69
Starting May 2024
Persons with a valid Disability Tax Credit certificate
Starting June 2024
Children under age 18
Starting June 2024
All remaining eligible Canadian residents
Starting June 2024
Should I cancel my private insurance?
The government has said that the CDCP is not intended to replace existing workplace or private dental benefits. It is meant for Canadians who do not have dental benefits.
If you have existing insurance, you should not cancel your insurance as not all details of the CDCP are public knowledge at this point.
You’re still considered to have access to dental insurance if you choose to opt out of available benefits like these.
Are individuals with existing coverage through government programs eligible for CDCP?
Patients who have dental coverage through a provincial, territorial, or federal government social program qualify for the Canadian Dental Care Plan (CDCP). If patients meet all the eligibility criteria, their coverage will be coordinated between the plans.
Should I wait until the CDCP is launched to go to the dentist?
Please don’t delay treatments or your dental appointments! It’s better to keep getting regular dental check-ups now to catch problems before they become painful and expensive to treat.
We understand you may be thinking of delaying dental care or rethinking your benefit coverage hoping the costs will be covered by the CDCP, but it remains unknown what services or treatments will be covered, or when that coverage will even start.
What is the Canada Dental Benefit (CDB)?
The Canada Dental Benefit (CDB) provides direct, up-front, tax-free payments to help cover out-of-pocket dental care expenses for children under 12 years of age who do not have access to private dental insurance and whose family income is less than $90,000 a year. The CDB provides payments of up to $650 for each eligible under 12 years of age, each year for two years.
Payments are administered by the Canada Revenue Agency (CRA). The CRA uses adjusted income to determine eligibility and the amount of benefit you will receive. You need to have filed the previous year’s taxes to be eligible.
The benefit provides:
$650 for each eligible child per year if the family’s adjusted income is under $70,000.
$390 for each eligible child per year if the family’s adjusted income is between $70,000 and $79,999.
$260 for each eligible child per year if the family’s adjusted income is between $80,000 and $89,999.
The CDB is only available for two periods. The first benefit period, which is now closed, covered dental care your eligible child received between Oct. 1, 2022, and June 30, 2023.
The second benefit period runs from July 1, 2023 to June 30, 2024.
To access the second (i.e. current) benefit period, you must meet the following criteria:
You have a child or children under 12 as of July 1, 2023, and are currently receiving the Canada Child Benefit (CCB) for that child;
You have an adjusted family net income of less than $90,000;
Your child does not have access to private dental care coverage;
You have filed your 2022 tax return; and
You have out-of-pocket expenses for your child’s dental care services incurred in Canada between July 1, 2023, and June 30, 2024, for which the costs have not been fully covered under another federal, provincial or territorial government program.
How do I apply for the CDB?
The CRA My Account is the quickest, easiest, and most secure way to apply for the CDB. Visit Canada.ca/dental for more information. If you are unable to apply online, call the CRA at 1-800-715-8836.
You can apply to get the benefit ahead of your child’s dental appointment.
When you apply, you will need to confirm that:
Your child does not have access to private dental care coverage.
You will have out-of-pocket dental care expenses and will use the CDB to pay for those expenses.
You understand that you may have to provide receipts to prove the CDB was used to pay for out-of-pocket dental care expenses.
When applying, you should have the following information close by as you will be required to provide:
The name, address, and telephone number of your child’s dental care professional.
The date (or expected date) of your child’s or children’s dental appointment.
The name, address, and telephone number of your employer and your spouse’s or common-law partner’s employer, if applicable.
If you apply online and are signed up for direct deposit, you could receive your payment within five business days. If you are unable to apply online, you can call a new dedicated phone line at 1-800-715-8836 to complete your application with an agent.
Once you receive the benefit, you must use it to pay for dental services. If the services in that year cost less than the total benefit amount, the CRA expects you to spend it on the child’s oral health needs in lieu of returning any unused money.
Where can I get more information about the CDB?
Health Canada has a factsheet (PDF, English) that you can download and print. It explains the main points of the CDB in an easy-to-understand graphic. It is also available in other languages on the Health Canada website.
You can also learn how to apply for the CDB by watching this video.
It’s important that I see the dentist, but I can’t afford to. What options do I have?
It’s very important to have an open dialogue with your dentist, as they might be able to set up treatment and payment options that work with your financial situation. Talk to them to see what can be done to help.
I'm a dentist and I have questions about how the CDCP will work in my practice. Where can I find more information?
Please log in to your NSDA member account and visit 'Canadian Dental Care Plan' under the Member Resources drop-down menu.
The NSDA’s position on the CDCP
The NSDA supports a plan that will provide all Canadians with proper dental care; however, we have our reservations with the CDCP in its current form.
As details of the plan emerge, the NSDA worries the CDCP has been miscommunicated to Nova Scotians. The program has been described as “free dental care for all Canadians,” but this is not accurate. The CDCP will reimburse a percentage of the cost, based on established CDCP fees and your adjusted family net income. For more information on co-payments, visit Health Canada’s CDCP webpage.
The NSDA believes a strong CDCP must:
Allow each patient to choose their own dentist in their community
Safeguard access to dental care by respecting the current workplace, school, and/or group dental insurance system
Ensure people can access the dental care they need without having to deal with needless administrative delays and red tape
Work with existing government dental programs so people can get the most out of the dental care they are entitled to
Fairly compensate the dental professionals who deliver the care
The NSDA will continue to work with all levels of government to inform dental programs that work for everyone: taxpayers, patients, and the providers of care.
Please find more on our proposal for a strong and successful dental and oral health care program below.
Dentists know what makes a good dental care program
Dental associations across Canada came together to develop a comprehensive and actionable framework for a strong dental and oral health care program.