Canadian Dental Care Plan: here’s when you can apply to get coverage for your child

The new Canada Dental Care Plan covers the cost of dental services, and children will soon be eligible.

So if you don't have insurance, you may be wondering how to get dental insurance from the federal government.

Here's what you need to know, including when you can apply for a new dental care plan to get covered services for your child.

What is the Canadian Dental Care Plan?

The Canada Dental Care Plan (also known as CDCP) is a new coverage program of the federal government.

Its purpose is to alleviate financial barriers to oral health care for eligible Canadian residents.

Who is eligible for the Canadian Dental Care Plan?

To qualify for CDCP, you must:

  • Unable to get dental insurance
  • Adjusted household net income less than $90,000
  • Be a Canadian tax resident
  • Previous year's tax return filed

If you have dental insurance through a provincial, territorial or federal social program, you are still eligible for CDCP.

Your coverage will be coordinated so there are no overlaps or gaps.

Each year, you will need to continue to meet eligibility requirements to receive coverage from CDCP.

When can I apply for the Canada Dental Care Plan?

Applications for CDCP are opening in phases.

Certain seniors have been able to apply for coverage since the end of 2023.

Starting in June 2024, if your child is under 18 years old, you can apply for CDCP for them.

If you have children under 12 years old and do not have dental insurance, you may already be eligible for Canada Dental Benefits.

Valid until June 30, 2024.

When you apply for the Federal Dental Care Program, you can receive a tax-free payment of $260, $390, or $650 for your child's dental care.

Adults with a valid Disability Tax Credit Certificate can also apply for CDCP in June.

All remaining eligible Canadian residents can then apply in 2025.

What services are covered by the Canadian Dental Care Plan?

According to the federal government, CDCP will help cover the following oral health services:

  • Keep teeth and gums healthy
  • Prevent and treat oral health problems and diseases

CDCP may cover some of the following services when recommended by an oral health provider:

  • Preventive services including cleaning, sealants and fluoride
  • Diagnostic services, including exams and X-rays
  • Restorative services, including fillings
  • Endodontic services, including root canal treatment
  • Restorative dental services, including dentures
  • Periodontal services including deep scaling
  • Oral surgery services, including tooth extractions

What is the coverage under the Canadian Dental Care Plan?

CDCP will reimburse a percentage of the cost of dental care based on established CDCP fees and your adjusted net household income.

You may be required to pay an additional fee (called a copay) directly to your oral health provider if:

  • Your adjusted household net income is between $70,000 and $89,999
  • The cost of your oral health care services exceeds the CDCP cost
  • You and your oral health provider agree to receive services that are not covered by CDCP

Sun Life is managing the CDCP for the Canadian government.

Once you apply and confirm that you are eligible, Sun Life will register you for CDCP.

You will then receive a welcome package that includes:

  • Information about CDCP
  • your membership card
  • Your coverage start date

Beginning July 8, 2024, CDCP customers may see any oral health provider of their choice, provided that provider agrees to bill Sun Life directly for services provided under the plan.

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