Canadian Dental Care Plan (CDCP)
Understanding the Canadian Dental Care Plan (CDCP)
The Canadian Dental Care Plan (CDCP) is a federal initiative designed to assist Canadian residents who currently lack dental insurance and have an annual household income below $90,000. The program aims to reduce financial barriers and expand access to essential dental care services. Meet Our Hamilton Dental Team at Monarch Dentistry, located at Fennell Ave in Hamilton, ON, proudly participates in the CDCP, welcoming both new and existing patients.
Eligibility Requirements
To be eligible for CDCP, you must:
- Have no existing dental insurance.
- Have an adjusted annual family net income under $90,000.
- Be considered a Canadian resident for tax purposes.
- Have filed your most recent annual tax return.
To verify your eligibility, please visit Health Canada’s website.
Application Timeline
The CDCP is being implemented in phases:
- Currently Eligible:
- Adults aged 65 and older
- Individuals under 18 years of age
- Adults holding a valid Disability Tax Credit certificate
- Beginning 2025:
- All other qualifying residents
Coverage Levels
CDCP coverage varies based on your household income:
| Household Income | CDCP Coverage | Your Payment |
|---|---|---|
| Less than $70,000 | 100% | 0% |
| $70,000–$79,999 | 60% | 40% |
| $80,000–$89,999 | 40% | 60% |
| More than $90,000 | 0% | 100% |
How Monarch Dentistry Supports You?
Please note that certain procedures may require pre-approval to confirm coverage under the CDCP.
Frequently Asked Questions (FAQs)
The Canadian Dental Care Plan is a government benefit designed to provide dental coverage for qualifying residents without existing dental insurance. This plan complements, rather than replaces, existing coverage from workplaces, schools, or private insurers, and is managed by Health Canada with administration support from Sun Life. Dental providers are not involved in eligibility decisions.
Check your eligibility online via Health Canada or call their support line at 1-833-537-4342, Monday to Friday, from 8:30 a.m. to 4:30 p.m. local time.
Currently, individuals over 65, under 18, and adults with a valid Disability Tax Credit certificate are eligible. Starting in 2025, all other qualified residents can apply.
Applications must be submitted directly through Health Canada. Upon acceptance, Sun Life will provide you with a welcome package detailing your coverage, benefits start date, and membership card within three months.
CDCP covers a portion of your dental treatment costs, meaning you may need to pay a portion out-of-pocket depending on your income level:
- Below $70,000: Fully covered, no payment required.
- $70,000–$79,999: You pay 40%.
- $80,000–$89,999: You pay 60%.
Before treatment, consult with your dentist about anticipated costs and coverage.
The CDCP covers a wide variety of dental services in Hamilton, ON, including preventive, diagnostic, restorative, periodontal, endodontic, prosthodontic, and oral surgery treatments. Some advanced procedures may require prior authorization based on your dental health needs and medical history.
Yes, if you have coverage from other government dental plans such as Healthy Smiles Ontario, OW, or ODSP, benefits will be coordinated, with the CDCP acting as the primary coverage provider.