What Is the Canadian Dental Care Plan (CDCP)?
At Trillium Smile Dentistry, we believe everyone deserves access to quality dental care. That’s why we’re pleased to participate in the Canadian Dental Care Plan (CDCP). If you’re eligible, you can use your CDCP coverage for most routine and preventive dental services right here at our Mississauga clinic. Our team can help you confirm your eligibility and understand what’s covered before your visit.
Introduction to the CDCP
In 2023, the Government of Canada introduced the Canadian Dental Care Plan (CDCP), which was a significant step toward reducing dental care inequality across the country. Until recently, dental care in Canada has been largely privatized, with most people relying on employer benefits or paying out of pocket. This left millions of Canadians, especially seniors, low-income families, and those without employer-provided insurance, unable to afford basic oral health care.
The CDCP was developed to bridge this gap and ensure that more Canadians have access to essential dental services. The plan is administered by Sun Life on behalf of the Government of Canada. While the program is overseen by Health Canada, Sun Life handles provider billing, claims, and payments to ensure a smooth experience for both patients and participating dental clinics.
By focusing on individuals and families without private insurance and with moderate incomes, the plan removes financial barriers to care and promotes better long-term oral and general health. The CDCP complements, but does not replace, existing provincial and territorial dental programs. In Ontario, for example, children may qualify for Healthy Smiles Ontario and seniors for the Ontario Seniors Dental Care Program. If you are eligible for a provincial dental plan, it is typically used before CDCP coverage applies. However, you may still qualify for both, depending on your circumstances.
As a local provider committed to the well-being of our community, Trillium Smile Dentistry in Mississauga is proud to be part of this historic initiative. Our team supports the CDCP and welcomes eligible patients of all ages. Whether you need a check-up, cleaning, filling, or denture care, we’re here to help you access the treatments you need with minimal financial stress.
To learn more about the official government guidelines, visit the Canadian Dental Care Plan page.
Who Qualifies for the CDCP?
The CDCP was created for Canadians who have no access to private dental coverage and who fall below specific income thresholds. The plan ensures that vulnerable populations such as children, seniors, and low-income families can get the dental care they need without worrying about the cost.
Eligibility is determined using several key factors. To qualify for CDCP coverage, you must meet all of the following requirements:
- You do not have access to any private dental insurance
- Your adjusted family net income is under $90,000 per year
- You are a Canadian resident for tax purposes
- You have filed a tax return for the most recent year
The program is being implemented in phases. Seniors aged 65 and older, individuals with disabilities, and children under 18 were among the first to qualify. The rollout will continue through 2025, with all eligible adults expected to have access by the end of that year.
Not sure if you qualify? You can contact our team for support every step of the way.
What Does “No Access to Dental Insurance” Mean?
To be eligible for the CDCP, you must not have access to any private dental insurance, regardless of whether you’re using it. This includes:
- Group insurance through your employer or union
- Coverage through a spouse, parent, or partner’s benefits
- Pension-related dental plans
- Student or post-secondary dental plans
- Personal or individual insurance plans
Even if you have declined coverage or are not actively enrolled, being eligible for private insurance may disqualify you from the program. CDCP is intended to assist those with no private options available at all.
Income Thresholds and How They Are Calculated
Your eligibility for the Canadian Dental Care Plan and how much it covers is based on your adjusted family net income, as reported on your most recent tax return. This figure reflects your total household income after deductions, such as RRSP contributions, childcare expenses, or support payments.
The CDCP uses three income tiers to determine your level of coverage:
- Less than $70,000: You are eligible for the CDCP with full coverage of eligible dental service costs.
- $70,000 to $79,999: You qualify for partial coverage, with the plan covering 60% of eligible costs.
- $80,000 to $89,999: You still qualify, but coverage is reduced to 40% of eligible costs.
If your income exceeds $90,000, you are currently not eligible for the CDCP.
If you’re unsure of your exact income level or how your family’s earnings are reported, you can find your adjusted family net income on line 23600 of your Notice of Assessment. For families, this figure includes all contributors listed on the tax return.
Need help reviewing your eligibility? Our team at Trillium Smile Dentistry is happy to guide you through the steps before booking your appointment.
What Dental Care Services Does the CDCP Cover?
The CDCP offers comprehensive dental coverage for essential services that support both oral health and overall well-being. While coverage levels depend on your income, the range of eligible services is the same for all patients under the plan.
Explore our full range of available dental services.
Preventive Care You Can Access
Prevention is key to lifelong oral health. The CDCP covers several preventive treatments that help you avoid more serious dental problems down the road:
- Routine oral exams: These help detect cavities, gum issues, or infections early.
- Emergency exams: For when you experience sudden pain, swelling, or trauma.
- Dental X-rays: Imaging allows us to see hidden decay, infection, or impacted teeth.
- Cleanings (scaling and polishing): Removes plaque and tartar buildup that cause gum disease.
- Fluoride treatments: Strengthen teeth and help prevent cavities.
- Sealants: Often applied to children’s molars to prevent decay.
These services are generally recommended every 6 to 12 months, depending on your oral health status. At Trillium Smile Dentistry, we customize preventive care plans to meet your needs.
More Complex Treatments: What To Expect
If problems are found during your check-up, the CDCP also covers a wide range of restorative and surgical treatments, such as:
- Fillings: Composite or amalgam fillings to restore decayed teeth.
- Root canal therapy: To save teeth with infected or damaged pulp.
- Periodontal care: Including deep cleanings and gum disease treatment.
- Tooth extractions: From simple extractions to surgical removal of impacted teeth.
- Dentures: Complete or partial, plus adjustments, relines, and repairs.
- Oral surgery: Includes removal of growths, biopsy, and treatment of jaw issues.
These treatments may require pre-authorization depending on the type of procedure and your treatment history. Our clinic will always review your care plan and confirm CDCP coverage before any treatment begins.
What About Orthodontics?
Orthodontic services like braces or aligners are not included in the current CDCP coverage for most patients. However, some orthodontic treatments will be covered beginning in 2025, provided they are considered medically necessary and not purely cosmetic. These will be assessed on a case-by-case basis and must meet strict clinical criteria.
How to Apply for the CDCP
Applying for the CDCP is simple and can be done online or by phone. The application process is managed by Health Canada and not your dentist’s office. Approval typically takes just a few weeks if all information is provided correctly.
Step-By-Step Application Process
- Confirm your eligibility by reviewing your income and insurance status.
- Collect your documents: This includes your latest tax return, social insurance number (if available for children), proof of residency, and documentation confirming you do not have dental insurance.
- Apply online or by phone: You can submit your application through the Government of Canada’s dental benefits portal or call their service line.
- Receive your CDCP confirmation: This will include your effective start date, level of coverage, and other important details.
- Book your appointment at a participating clinic like Trillium Smile Dentistry once you are approved.
We recommend applying as soon as you believe you may qualify to ensure your benefits are in place before booking treatment. It’s important to note that CDCP benefits are not retroactive. You must wait until your application is approved and your effective start date has been issued before receiving covered dental treatment. Any appointments booked before your coverage begins may not be reimbursed under the plan.
Documents You’ll Need Ready
- Government-issued ID (driver’s licence, health card, etc.)
- Social Insurance Number (required for adults, if available for children)
- Most recent tax return or Notice of Assessment
- Any documentation confirming a lack of private dental insurance
Once you’re approved, request an appointment, and our team will help you schedule a visit that aligns with your coverage.
Costs, Co-payments and How It Works Compared to Private Insurance
Many patients wonder if CDCP dental care is completely free. The answer is: it depends on your income. While the program is designed to reduce or eliminate costs for lower-income families, there are still some instances where you may pay a portion of the fee.
What You May Still Pay Out-Of-Pocket
While the CDCP significantly reduces the cost of dental care, it doesn’t always mean services are completely free. The portion you may pay depends on your income tier and the treatment you receive.
Here’s how cost-sharing breaks down:
- If your income is under $70,000, your eligible services are fully covered, with no co-payment.
- If your income is between $70,000 and $79,999, you are responsible for 40% of the treatment cost.
- If your income is between $80,000 and $89,999, you’ll pay 60% of the cost out of pocket.
- For example, if a covered filling costs $300 and you fall into the 40% co-payment bracket, you would pay $120 out of pocket, and the CDCP would cover the remaining $180.
It’s important to note that even if a service is covered, you may still owe a portion of the bill if the clinic charges more than the CDCP’s established rates. This is known as balance billing. At Trillium Smile Dentistry, we always review your coverage and provide a clear cost estimate before treatment begins. That way, you’ll know exactly what’s covered, what isn’t, and what you might need to pay with no surprises.
In addition, some treatments may also be excluded from coverage, such as cosmetic dentistry or services without pre-authorization. We will help you understand your benefits before beginning any procedure.
CDCP Vs. Private Dental Insurance
Here’s how the CDCP compares to private insurance:
| Feature | CDCP | Private Insurance |
|---|---|---|
| Eligibility | Only for those without dental coverage | Available to employees or individuals |
| Income-based | Yes | No |
| Cosmetic services | Not covered | Sometimes covered |
| Upfront payment | Usually not required at participating clinics | Often required |
| Pre-authorization | Required for some services | May vary by provider |
| Provider limitations | Must visit a CDCP-approved clinic | Wide range of providers available |
The CDCP is not a replacement for private insurance, but it does offer essential dental care for those who wouldn’t otherwise qualify for coverage.
How to Use the CDCP at Trillium Smile Dentistry
At Trillium Smile Dentistry, we make it easy to use your CDCP benefits. Our Mississauga dental clinic is fully enrolled in the program, and our experienced team is here to support you from your first phone call to the completion of your treatment plan.
Here’s how to use your CDCP benefits with us:
- Confirm your eligibility before booking your appointment
- Bring your confirmation documents to your visit
- Let our team know you are covered by the CDCP when scheduling
We’ll verify your coverage, explain what services are included, and walk you through any necessary co-payments. Our clinic offers same-day appointments when available, digital X-rays, 3D scanners, and gentle care for patients of all ages, from toddlers to seniors.
To get started, contact us or request an appointment online.
Frequently Asked Questions (FAQ)
How Much Does CDCP Cover?
The plan covers 40% to 100% of eligible dental costs, depending on your adjusted family net income.
Do All Dentists Accept the Canadian Dental Care Plan?
No. Only participating providers accept CDCP coverage. Trillium Smile Dentistry is one of them.
Can I Use CDCP If I Already Have Insurance?
No. If you have access to private dental insurance, you are not eligible for CDCP.
Can Children Apply for CDCP Dental?
Yes. Children under 18 are eligible as part of the program's phased rollout.
Can Children Use Both CDCP And Healthy Smiles Ontario?
Yes, but Healthy Smiles Ontario applies first. CDCP may only be used if HSO doesn’t cover the service.
Can Seniors Use Both CDCP And the Ontario Seniors Dental Care Program?
Yes, but the provincial plan applies first. CDCP may only be used for services not covered by the seniors’ program.
Can I Use CDCP With Other Government Dental Programs?
Yes, but only one program can cover each service. If a provincial plan applies first, CDCP can’t be used to pay the remaining balance for that same treatment.
Is CDCP Dental Care Free?
It can be fully free for those earning under $70,000 per year. Others may be responsible for co-payments.
Are There Co-Payments With CDCP?
Yes. Co-payments range from 40% to 60% depending on income. These are only applied to covered services.
How Often Can I Use CDCP Benefits?
Most preventive services are covered every 6 to 12 months, depending on clinical needs and frequency limits.
Book Your Visit & Get Smiling
If you believe you qualify for the Canadian Dental Care Plan, your next steps are simple: apply for coverage and book an appointment with a participating provider you can trust.
At Trillium Smile Dentistry, we’re proud to offer gentle, high-quality care in a modern clinic equipped for all ages. Whether you need a cleaning, fillings, dentures, or emergency treatment, we’re here to support your health and smile.
Contact us with any questions or request an appointment today. Let us help you take full advantage of the CDCP and smile with confidence again.