The CDCP is a government-funded dental care program designed to help Canadians who don’t have private dental insurance and have a household income of less than $90,000 a year.
The plan helps cover part of the cost for dental treatments that prevent and manage oral health issues—supporting overall health and helping reduce the risk of more serious medical conditions.
To qualify, you must
✔ be a Canadian resident for tax purposes
✔ have filed your taxes last year
✔ have no private, employer, or pension dental coverage
✔ have a net family income under $90,000
The Canadian Dental Care Plan (CDCP) has its own fee guide, which sets the rates it will pay for covered dental services. These rates may be different from those in your provincial or territorial fee guide.
Out-of-pocket costs may apply.
Not all patients will receive full coverage under the CDCP. If your net family income is under $90,000, you may still be responsible for a co-payment—the portion of treatment costs you’ll need to pay yourself. This amount is based on your previous year’s tax return.
Important:
Co-payments or any fees not covered by the CDCP must be paid directly to your dental provider. Be sure to ask your dental office about any costs not covered before your appointment.
Health Canada will review your eligibility and, if approved, share your information with Sun Life to enroll you in the plan.
You’ll receive a welcome package within 3 months, including
✔Your coverage start date
✔A CDCP membership card
✔Plan details
Annual renewal required:
Eligibility is reassessed each year. If you enrolled in 2024, your coverage lasts until June 30, 2025.
The CDCP covers dental services that help prevent and treat oral disease and support healthy teeth and gums. Services must be recommended by your dental professional. You can see the full list here.
For more information on the CDCP, you can visit the Government of Canada website.
