Unlock Affordable Dental Care: All You Need to Know About Canada’s Dental Care Plan

Dental health is essential for overall well-being, but the cost of dental care often leaves many Canadians unable to afford necessary treatment. To address this gap, the Canadian government introduced the Canadian Dental Care Plan (CDCP), providing low- and middle-income families with affordable access to dental care. This article explains the plan, eligibility, coverage, payment responsibilities, and how to apply.
What Is the Canadian Dental Care Plan?
The CDCP is a federally funded initiative designed to improve access to dental care for individuals and families without private insurance. Launched in 2023, it currently targets vulnerable groups and will expand by 2025 to include more Canadians.
Who Is Eligible for the CDCP?
Eligibility is based on family income and includes:
• Children under 18 years old.
• Seniors aged 65 or older.
• People with disabilities eligible for the Disability Tax Credit.
• Low-to-middle-income families with a household net income below $90,000.
Applicants must also reside in Canada and provide proof of income and dental care needs.
What Services Are Covered?

The CDCP focuses on essential dental services, including:
• Routine dental check-ups and cleanings.
• Fillings and tooth extractions.
• Preventative care and diagnostic procedures.
However, high-cost treatments, such as implants or cosmetic procedures, may not be covered.
Free Eligibility and Cost Sharing
The program uses a tiered approach based on adjusted family net income (AFNI):
Income Below $70,000
• 100% of eligible dental care costs are covered under CDCP rates.
• Patients pay no out-of-pocket costs.Income Between $70,000 and $79,999
• CDCP covers 60% of eligible dental care costs.
• Patients are responsible for 40% of costs based on CDCP rates.
• Additional out-of-pocket fees may apply for services beyond CDCP rates.Income Between $80,000 and $89,999
• CDCP covers 40% of eligible dental care costs.
• Patients are responsible for 60% of costs based on CDCP rates.
• Additional out-of-pocket fees may apply for non-covered services.
This tiered structure ensures that lower-income families receive the maximum benefit while middle-income households also gain significant assistance.
Why Is Dental Care Under CDCP Affordable?
The CDCP helps reduce financial barriers by covering significant portions of treatment costs and negotiating lower service rates. It also encourages preventative care, which minimizes the need for expensive treatments in the future.
How to Apply for the CDCP
Application Process
• Visit the Canada Dental Care Plan website or contact Service Canada at 1-833-537-4342.
• Submit income and residency proof to verify eligibility.Finding a Dentist
• Choose a participating dental provider approved by the CDCP.
• Discuss the CDCP coverage with your dentist to ensure services are within the plan’s guidelines.
Expanding Coverage by 2025
The CDCP will gradually expand to cover more adults, helping close gaps in dental care access across the country.
Alternatives for Non-Covered Services
For procedures like implants or cosmetic treatments, consider:
- Dental School Clinics: Many universities, like the University of Toronto, offer discounted rates.
- Community Clinics: Non-profit organizations often subsidize dental care for low-income residents.
- Provincial Programs: For example, Healthy Smiles Ontario supports children under 18 from low-income families.
Conclusion
The Canadian Dental Care Plan is a vital step toward making dental care affordable and accessible for millions of Canadians. Its tiered cost-sharing approach ensures fairness and provides maximum assistance to those who need it most. If you’re eligible, apply today to take advantage of this program and maintain a healthier smile.
For more information, visit the Canada Dental Care Plan website