Coverage is paid directly to oral-health providers for services included in the plan, and some items require pre-authorization. Depending on your income and the plan’s established fees, you may have a co-payment and/or additional charges if a provider’s fees exceed CDCP amounts. Our team helps you understand your benefits before treatment so there are no surprises.
No Dental Insurance
You must not have access to dental insurance through work, a family member, a pension plan, or a privately purchased policy. Limited exceptions apply for retirees who opted out before Dec 11, 2023.
Filed Taxes
You and your spouse/partner (if applicable) must have filed Canadian tax returns for the previous year to qualify for the CDCP. This ensures income eligibility can be properly assessed.
Income & Residency
Your adjusted family net income must be under $90,000, and you must be a Canadian resident for tax purposes. This requirement ensures the CDCP supports those with the greatest financial need.
What’s Covered?
CDCP helps pay for a wide range of services when recommended by your provider. Some items (e.g., certain crowns, dentures, sedation) need pre-authorization. Orthodontics is planned for medical-need-only coverage in 2025 under strict criteria.
• Diagnostic & Preventive: exams, X-rays, scaling/cleaning, fluoride, sealants.
• Basic Restorative: permanent/temporary fillings, pain control.
• Endodontics: root canals, pulpectomies, re-treatment (pre-auth).
• Periodontics: sub-gingival cleaning, abscess care, non-surgical therapy; some items need pre-auth.
• Major Restorative & Prosthodontics: posts, crown repairs, crowns/cores (pre-auth); complete/partial dentures, repairs, relines (some pre-auth).
• Oral Surgery & Anesthesia: extractions, cyst/tumour removal, fracture care; minimal/moderate/deep sedation & GA (pre-auth for some).
Income < $70,000: CDCP covers 100% of eligible services at CDCP fees; you pay 0% co-pay (additional charges may still apply).
$70,000–$79,999: CDCP covers 60%; you pay 40% co-pay.
$80,000–$89,999: CDCP covers 40%; you pay 60% co-pay.