The Canadian Dental Care Plan (CDCP): What You Need to Know
There has been a lot of conversation recently about the Canadian Dental Care Plan (CDCP). As this program rolls out across the country, many are wondering if they qualify and how it affects their current workplace benefits. This guide clarifies the facts in plain language to help you navigate your options.
Disclaimer: The Canadian Dental Care Plan is administered by the Government of Canada. Eligibility and coverage decisions are determined solely by the program administrator. This article is for general information only and does not constitute benefits advice.
What is the CDCP?
The CDCP is a Government of Canada dental program that helps pay a portion of eligible oral health care costs for residents who meet specific eligibility rules. While the program is government-administered, Sun Life processes the dental claims for the plan.
Who Qualifies? (Eligibility Checklist)
To qualify, you must meet all four requirements:
- No private dental coverage: You must not have access to private dental insurance, including workplace, pension, student, professional association, or individually purchased coverage.
- Tax filing completed: You and your spouse or common-law partner, if applicable, must have filed your Canadian tax return for the previous year.
- Income Threshold: Adjusted family net income under $90,000.
- Residency: Must be a Canadian resident for tax purposes.
Understanding “Access to Coverage”
A key detail: you are not eligible if you have access to private dental insurance, even if you choose not to enroll or if you have to pay a premium. The CDCP does not replace employer dental plans, and you cannot opt out of a workplace plan to qualify for the government program.
The amount the CDCP pays depends on your adjusted family net income from the prior tax year:
- Under $70,000: CDCP covers 100% (0% Co-pay).
- $70,000 – $79,999: CDCP covers 60% (40% Co-pay).
- $80,000 – $89,999: CDCP covers 40% (60% Co-pay).
Note: You may still owe fees if a provider charges more than the CDCP reimbursement rate.
Services Covered
The plan covers essential services, though some require preauthorization:
- Preventive & Basic: Cleanings, X-rays, fillings, and root canals.
- Major: Crowns, dentures, and oral surgery.
- Orthodontics: Not currently available (planned for the future).
Frequently Asked Questions
Can I cancel my work dental plan to join the CDCP?
No. Eligibility is based on having access to a plan. If your employer offers one, you do not qualify for the CDCP.
Do I need to re-apply?
You must attest to your eligibility every year. Changes in income or access to private insurance can affect your status.
Summary
The CDCP is a safety net for Canadians who lack access to any other dental insurance.