Canadian Dental Care Plan
What is the Canadian Dental Care Plan (CDCP)?
The CDCP will help ease financial barriers to accessing oral health care for Canadian residents who do not have access to dental insurance. . The CDCP will reimburse a percentage of eligible expenses at the established CDCP fee rates. A co-payment is the percentage of CDCP fees that is not covered by the CDCP, and that people covered under the CDCP will have to pay directly to the oral health provider.
For Kids under the age of 18 in BC, CDCP will coordinate benefits with BC Healthy Kids or BC Employment and Assistance Program. CDCP is the primary payer and the BC Healthy Kids or BC Employment and Assistance Program dental program is the secondary payer. The percentage of co-payments will depend on the adjusted family net income as follows:- No co-payment for those with an adjusted annual family net income under $70,000
- A 40% co-payment for those with an adjusted annual family net income between $70,000 and $79,999
- A 60% co-payment for those with an adjusted annual family net income between $80,000 and $89,999
Who qualifies?
- No access to dental insurance
- An adjusted family net income of less than $90,000
- Be a Canadian resident for tax purposes
- Have filed their tax return in the previous year
- Canadian residents who have access to dental benefits through a social program offered by their province or territory and/or by the federal government will be eligible for the CDCP if they meet all the eligibility criteria
How to apply?
From December 2023 until end of April 2024, seniors who receive invitation letters may call Service Canada to apply via an automated Interactive Voice Response (IVR) system. When applying, they will be asked for two pieces of identification and whether they currently have access to any type of dental benefits. The applicant will immediately be notified whether they have been successful in applying and are eligible. They will also receive a letter confirming this information.
Seniors aged 65 to 69 years and seniors who received a letter but were not able to apply by phone will be able to apply online starting in May 2024, followed by persons with a valid Disability Tax Credit certificate and children under the age of 18 years in June 2024.
Once an individual is determined to be eligible, Service Canada will share the applicant’s information with Sun Life, the contracted service provider, for the purpose of enrolment into the CDCP. Sun Life will enrol eligible applicants in the CDCP and will send them a welcome package, including information on the CDCP, coverage details, their member card, and the start date of their coverage.
Canadians who are enrolled in the CDCP will be able to start seeing an oral health provider as early as May 2024, starting with seniors. The start date to access oral health care will vary based on when each group can apply, when the application is received and when enrolment is completed.
Appointments with an oral health provider should be scheduled as of their coverage start date, and no sooner, for the oral health care services to be covered under the plan. The CDCP will not reimburse oral health care services received before the start date provided in the welcome package from Sun Life.
When applications open?
Applications will first open for seniors aged 87 and above in December 2023, expanding in phases to those aged 77 to 86 in January 2024, followed by those aged 72 to 76 in February 2024, then those aged 70 to 71 years in March 2024.
Individuals in these age groups who may be eligible will receive letters inviting them to apply, with instructions on how to validate their eligibility and apply by telephone.
In May 2024, an online application portal will open for seniors 65 and older. Persons with a valid Disability Tax Credit certificate and children under the age of 18 will be able to apply online as of June 2024. All remaining eligible Canadian residents will be able to apply online in 2025.
Group | Applications open |
---|---|
Seniors aged 87 and above | Starting December 2023 |
Seniors aged 77 to 86 | Starting January 2024 |
Seniors aged 72 to 76 | Starting February 2024 |
Seniors aged 70 to 71 | Starting March 2024 |
Seniors aged 65 to 69 | Starting May 2024 |
Persons with a valid Disability Tax Credit certificate | Starting June 2024 |
Children under 18 years old | Starting June 2024 |
All remaining eligible Canadian residents | Starting 2025 |