Canada Dental Care Plan (CDCP) Affordable Dental Coverage for All Canadians
CAMBRIDGE CENTRE DENTAL CARE is delighted to be enrolled in the Canadian Dental Care Plan (CDCP) to help as many Ontario residents access their oral health needs.
Canada’s new dental care plan provides basic oral health care to Canadian citizens who may not otherwise be able to afford it. The program will be phased throughout 2024 and 2025, initially covering Canadians aged 65 years and older. The goal is to eventually provide dental care for all uninsured Canadians with an annual household income less than $90,000.
At Cambridge Centre Dental we want to ensure comprehensive dental care for all our patients, and now with the financial assistance from the Canadian Dental Plan, it allows you to proceed with treatment required that you may have been putting off for some time.
When You Can Apply
*Seniors aged 65 and above are now eligible to apply without needing an invitation letter. If you have previously received an invitation letter, please note that the personal access code provided expired on April 30, 2024. Before you can apply for the Canadian Dental Plan, you and your spouse or common-law partner (if applicable) must have filed your tax return for 2023 and have received your Notice of Assessment.
The application schedule based on age group is outlined below.
| Age Group | Applications Open |
| Seniors aged 65 and above | Started in December 2023 |
| Adults with a valid Disability Tax Credit certificate | Starting in June 2024 |
| Children under the age of 18 | Starting in June 2024 |
| All remaining eligible Canadian residents | Starting in 2025 |
Criteria to Apply
To qualify for the Canadian Dental Plan, you must; not have access to any other type of dental coverage whether through your employer or a private plan or a plan that is under another family member; have an adjusted family net income of less than $90,000; be a Canadian resident; have filed your previous years’ income tax return.
What to Expect After You Apply
You will receive a welcome package from Sun Life within 3 months of completing your application. The welcome package will include coverage details, a member card and an effective coverage start date. The coverage start date is based on when you apply and when you’ll be enrolled.
What Services Are Covered
There are a variety of treatments which are covered under the Canadian Dental Plan which will help to keep your teeth and gums healthy while preventing and treating oral health care issues and diseases.
Some services covered may include; cleanings, exams, radiographs, fillings, extractions, partial and complete dentures. Other services may require an estimate, which is a process where prior approval is required before treatment commences.
Services requiring a pre-authorization will become available in November 2024
How Much Is Covered
The Canadian Dental Plan will reimburse a percentage of the treatment cost to the dental office, based on the established CDCP fee guide and your adjusted family net income. This fee guide differs from the General Practitioners fee guide, which will also be factored in when calculating your co-payment.
Co-payments are based on your adjusted family net income as outlined below
| Adjusted family net income | How much will the CDCP cover | How much you will cover |
| 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. You may face additional charges as described below. |
| 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. You may face additional fees as described below. |
| 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. You may face additional fees as described below. |
Who to Contact
To learn more about the CDCP and how it applies to your family we encourage you to call Service Canada Canadian Dental Care at 1-833-537-4342 (select option number 2) or visit the Government of Canada website by clicking on this link https://www.canada.ca/en/revenue-agency/services/child-family-benefits/dental-benefit/who-apply.html
Our highly knowledgeable staff is also available to answer any questions you may have regarding this program, and they are looking forward to hearing from you to schedule your appointment!
Give us a call today at 519-624-4640