Canadian Dental Care Plan(CDCP)
The Canadian Dental Care Plan (CDCP) is a federal program that provides dental care coverage for eligible Canadian residents who do not have their own dental benefits and whose adjusted family net income is under $90,000 annually.
Eligibility Criteria
To qualify for the CDCP, you must meet all of the following criteria:
- ✓Be a Canadian resident for tax purposes
- ✓Have filed your 2023 tax return (or intend to)
- ✓Have an adjusted family net income of less than $90,000
- ✓Not have access to dental insurance through:
- Employer-sponsored plan (including health and wellness accounts)
- Pension plans
- Professional or student organizations
- Purchased insurance
Important Exceptions and Notes:
- !If dental insurance coverage is available through your employer, pension, professional, or student organization, you are not eligible for CDCP—even if you decline coverage.
- !If your current dental insurance was privately purchased, you are still eligible for CDCP only after coverage ends.
- !If your dental insurance expires or is cancelled, you can apply for the CDCP at that time.
- !Exception: If you previously had pension-based coverage that you opted out of but cannot rejoin as per pension rules.
Understanding Adjusted Family Net Income
Your Adjusted family net income is calculated as follows:
- →Your net income (line 23600) + your spouse's/common-law partner's net income (line 23600)
- →Adjustments may apply based on CRA situations
CDCP Coverage & Fees
The CDCP covers dental services based on an established CDCP fee guide, which may differ from provincial dental fees.
| Adjusted Family Net Income | CDCP Coverage | How Much You Pay |
|---|---|---|
| Below $70,000 | 100% of CDCP fees | 0% (Additional fees may apply) |
| $70,000 - $79,999 | 60% of CDCP fees | 40% (Additional fees may apply) |
| $80,000 - $89,999 | 40% of CDCP fees | 60% (Additional fees may apply) |
Below $70,000
Additional fees may apply
$70,000 - $79,999
Additional fees may apply
$80,000 - $89,999
Additional fees may apply
⚠️ Important: CDCP reimburses up to its own fee guide amount. Patients must pay any balance charged above that rate.
- The clinic may charge more than CDCP covers.
- You may pay for non-covered services separately.
Questions about the CDCP program? We're here to help!
Participating CDCP clinics
Richmond Shine Dental
Simply white Dental
Brookwood Shine Dental
The Shine Dental Whiterock
Family Dental Clinic
CDCP Application Schedule
| Group | When you can apply |
|---|---|
| Seniors aged 65+ | Now |
| Adults with Disability Tax Credit | Now |
| Children under 18 | Now |
| All other eligible adults | Throughout 2025 |
Renewal Information for Current CDCP Members
Renew before June 1, 2025. Coverage ends June 30 if renewal isn't complete.
Renew Online Now →Dental Services Covered by CDCP
- ✓ Preventive dentistry (cleanings, exams)
- ✓ Restorative dentistry (fillings, crowns)
- ✓ Endodontic (root canal therapy)
- ✓ Periodontic (gum treatment)
- ✓ Prosthodontic (dentures)
- ✓ Orthodontic (requires preauthorization)
- ✓ Oral surgery (extractions)
- ✓ Dentures
- ✓ Oral health provisions (some preauthorization)
Important Notes:
- ⚠CDCP coverage and acceptance at clinics may change.
- ⚠Clinics reserve the right to discontinue acceptance at any time.
For more information, visit www.canada.ca →