To qualify, you must:
Have no access to dental insurance through employment, pension benefits, or personal plans, including health and wellness accounts.
Your family net income (line 23600 of your tax return plus line 23600 of your spouse's or common-law partner's tax return, and any world income not reported in a tax return to the CRA, such as by a new resident).
Be a Canadian resident for tax purposes, which means you must have declared residency on your 2023 tax return and filed it with the Canada Revenue Agency.
Have filed your tax return on the Canada Revenue Agency website for the 2023 tax year.
The Canadian Dental Care Plan (CDCP) is a federal initiative designed to make dental care more affordable for Canadians who lack dental insurance. This program offers subsidies to Canadian residents with an adjusted household income of less than $90,000 annually, helping to remove financial barriers to essential oral health services. If you or a loved one meets the eligibility criteria for the CDCP, here are important details to know before scheduling your next dental appointment.
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Lower than $70,000
100% of eligible oral health care service costs will be covered at the CDCP established fees.
0% of the CDCP established fees.
Between $70,000 and $79,999
60% of eligible oral health care service costs will be covered at the CDCP established fees.
40% of the CDCP established fees.
Between $80,000 and $89,999
40% of eligible oral health care service costs will be covered at the CDCP established fees.
60% of the CDCP established fees.
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 2025
Individuals must meet all of the following criteria to be eligible for Canadian Dental Care Plan (CDCP) coverage.No access to dental plan, 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 annual 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 benefits available to them from their employer, school, etc. will be considered by the federal government as someone who has access to dental plan. This means if you decline dental coverage through your/your spouse’s employment benefits, you will not be eligible for the CDCP.
The Canadian Dental Care Plan (CDCP) is not intended to replace existing dental coverage. It is important that Canadians do not drop their existing coverage, as they might not be eligible for the CDCP if they do.The CDCP is designed to provide coverage for Canadians who do not have an existing dental plan.The Canada Revenue Agency now requires employers to report on their T4/T4A whether their employees and their families had access to dental plan coverage, including spending and wellness accounts.
After being accepted and enrolled in the CDCP, you will receive a welcome package that includes a benefits card. This package will also specify your program start date. Note that this date can vary based on your enrollment and acceptance date. Any dental treatments completed before your coverage start date will not be reimbursed. The earliest start date is May 2024.
The plan covers a broad range of dental services, including basic care, endodontics, periodontics, restorative treatments, major treatments, and oral surgery. Treatments that require prior approval will not be eligible until the pre-determination service launches in November 2024. Orthodontics are not covered at this time; however, an orthodontic program is planned for 2025 and will cover treatments deemed medically necessary.