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  • Canadian Dental Care Plan
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  • Laughing Gas

Canadian Dental Care Plan

YES, WE ACCEPT CDCP

 What is the Canadian Dental Care Plan?

The Government of Canada has introduced the Canadian Dental Care Plan (CDCP), as part of its objective to make dental care more accessible and affordable for those who might not otherwise be able to afford the care needed to maintain good oral health.

APPLY

If you think you may qualify for the Canadian Dental Care Plan, visit the link below canada.ca/dental and learn about how the plain works, who qualifies and how to apply. Our patients have told us that the application process is very easy. You can apply online, visit a Service Canada location or call their dedicated phone number. 

canada.ca/dental

The Canadian Dental Care Plan does NOT cover all recommended procedures. We can assist you with determining what coverage you have for any procedures. However, please be aware that your health needs are not dependent on your coverage.


PLEASE READ THE FREQUENTLY ASKED QUESTIONS BELOW

It is important that you understand the limitations of this plan. Please read through the Frequently Asked Question section below to learn more about applying and what is covered.

PATIENTS WITH ODSP or HSO BENEFITS

Individuals eligible for ODSP or HSO now qualify for the new Canada Dental Care Plan (CDCP), which we do accept. You must apply for the CDCP to receive coverage. Please remember to submit your Income Taxes to the CRA annually and on time in order to avoid an interruption of your coverage thru CDCP.

CONTACT US

Have a question or need to schedule an appointment? Contact us today and our friendly staff will be happy to assist you.

613-332-6800

Frequently Asked Questions

Please reach us at bancroftdentalcentre@bellnet.ca if you cannot find an answer to your question.

 

The Canadian Dental Care Plan (CDCP) is a federal program that helps cover the cost of treatment for eligible Canadians who don’t have private dental insurance.

  • Available to individuals with an annual household income under $90,000.
  • Covers a range of dental services, from preventive care to more major services.
  • Now open to all qualifying Canadians, making oral health care more accessible.

If you’ve been skipping dental visits due to cost, the CDCP could help you get the care you need.


 Once you have applied, Health Canada will confirm your eligibility and share your information with Sun Life to enroll you in the plan. You will receive a welcome package from Sun Life within three months of your application, which will include:

  • The start date of your coverage. 
  • Your membership card. 
  • Information about the CDCP. 

Once enrolled, you must meet the eligibility requirements each subsequent year with an annual reassessment.


 No — if you currently have access to a dental insurance plan through your employer, union, or other organization, you are not eligible for the Canadian Dental Care Plan (CDCP).


The CDCP is intended to help Canadians who do not have access to any private dental insurance. If you lose your workplace dental coverage in the future (e.g. due to retirement or job change), you may become eligible and can apply at that time.


However, if you only have partial dental coverage through a government program (like NIHB, ODSP or Healthy Smiles), you may still qualify for the CDCP. In such cases, eligibility is assessed individually.


 CDCP requires annual renewal to confirm that patients continue to meet all eligibility requirements. Renewing ensures you avoid any gaps in your dental coverage. Once you receive your 2024 tax assessment you can renew your coverage online here or through your My Service Canada Account (MSCA). Be sure to submit your renewal application by June 1, 2025, to prevent any potential lapse in coverage.

If your renewal is approved, you’ll get a letter confirming your coverage and any updates, valid until June 30, 2026. If your coverage has changed based on your 2024 net family income, the letter will include details about the changes to your coverage. Just bring it to your next dental visit so your provider is up to date.


 

It’s important to understand that you may have out-of-pocket expenses under the CDCP, as the plan reimburses at rates lower than those listed in the provincial or territorial fee guides that most dentists follow. This is because the federal government created its own fee guide for the CDCP without consulting the Canadian Dental Association.


Your level of coverage (100%, 60%, or 40%) is based on your family’s net income, as reported on the previous year’s tax return. This determines the percentage of the CDCP fee guide that will be reimbursed—not the actual cost charged by most dental offices.


Additionally, certain services—such as dentures, crowns, and additional cleanings—require prior authorization from the CDCP. These approvals are not guaranteed and are often limited, even when clinically necessary.


If you haven't seen a dentist in some time or have more complex dental issues, restoring your oral health may be a gradual process and could result in costs beyond what the CDCP will cover.


Our dental team is committed to providing you with the highest quality of care tailored to your unique needs. We will always be transparent about your diagnosis, treatment options, and any associated costs. Our goal is to work with you to create a treatment plan that balances your dental needs with your coverage and budget.


 No, the Canadian Dental Care Plan (CDCP) is not entirely free. While it is a government-funded program designed to make dental care more affordable, it does not cover 100% of all costs for most treatment. 


The Government states that CDCP fees differ from provincial/territorial fee guides, but on average represent 80‑90% of those fee guides. Canada.ca  In other words, CDCP’s schedules tend to be 10–20% lower than provincial guides in many cases.


 Anyone wishing to participate in this plan must meet the eligibility requirements outlined below.


  • Be a Canadian resident for tax purposes.
  • Filed an income tax return for the previous year.
  • Do not have dental insurance through a private or pension plan or with an employer.
  • Have a net (after tax) family income of less than $90,000 annually.


Please consult the Canadian Dental Care Plan webpage on the Service Canada website here. Please note that the explanation on Service Canada is extremely vague and it is highly recommended that you consult with our Practice Manager to understand what procedures are covered and frequency limitations of this program. 


 

FULL DENTURES

Full dentures do not need to be pre-approved by SunLife CDCP as long as you have not already had these type of dentures already made and paid for by the plan. Your out-of-pockets expenses will be approximately $250 per Full Denture


PARTIAL DENTURES

If you require partial dentures, an estimate has to be sent to the CDCP plan. They will review the documentation we send and apply a set of criteria to determine if you are eligible.  our out-of-pockets expenses will be approximately $250 per partial Denture


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