Guides & common questions
Plain-language answers to what Canadians actually ask about the CDCP.
Eligibility
Who is eligible for the Canadian Dental Care Plan?
You qualify for the CDCP if all four are true: you're a Canadian resident for tax purposes, you filed last year's tax return, your adjusted family net income is under $90,000, and you don't have access to private dental insurance. The plan is now open to eligible residents of every age.
Read more →EligibilityDo I qualify for the Canadian Dental Care Plan?
You likely qualify if you're a Canadian tax resident, filed last year's taxes, have adjusted family net income under $90,000, and have no access to private dental insurance. The fastest way to know is to run our free 60-second eligibility check.
Read more →EligibilityWhat are the CDCP income limits for 2026?
The CDCP covers people with adjusted family net income under $90,000. Under $70,000, the plan pays 100% of eligible costs; $70,000–$79,999 it pays 60%; $80,000–$89,999 it pays 40%; at $90,000 or more you aren't eligible.
Read more →EligibilityCan I get the CDCP if I have dental insurance?
Generally no. If you have access to private dental insurance — through your or a family member's employer, pension, a group/student plan, or a plan you bought — you aren't eligible, even if you decline it. The exception: dental coverage through a government social program does not count, so you may still qualify.
Read more →EligibilityAre seniors eligible for the Canadian Dental Care Plan?
Yes. There's no age limit — seniors qualify on the same terms as everyone: Canadian tax residency, a filed tax return, adjusted family net income under $90,000, and no access to private dental insurance. Coverage includes the services many seniors need, like dentures and exams.
Read more →Coverage & costs
What does the Canadian Dental Care Plan cover?
The CDCP covers a broad range of oral-health services: preventive care like exams, cleanings and x-rays; restorative care like fillings; root canals; extractions and oral surgery; and prosthodontics like dentures. Some services require preauthorization, and coverage is paid against established fees.
Read more →Coverage & costsDoes the CDCP really cover 100%?
If your adjusted family net income is under $70,000, the CDCP pays 100% of eligible costs — but 'eligible' means the CDCP's established fee, which can be lower than what your dentist charges. So even at the 0% co-pay tier you may owe the difference, plus the cost of any non-covered services.
Read more →Coverage & costsHow much is the CDCP co-pay?
Your co-pay is the share of eligible costs the CDCP doesn't pay: 0% if your adjusted family net income is under $70,000, 40% from $70,000–$79,999, and 60% from $80,000–$89,999. On top of the co-pay, you may owe any amount a dentist charges above the CDCP established fee.
Read more →Coverage & costsDoes the CDCP cover dentures?
Yes, dentures are a covered prosthodontic service under the CDCP. Coverage is paid against established fees and may be subject to frequency limits (for example, how often a denture can be replaced) and, in some cases, preauthorization. You may owe a co-pay and any above-grid difference.
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