Co-pay tiers by income
| Adjusted family net income | CDCP pays | You pay |
|---|---|---|
| Under $70,000 | 100% | $0 |
| $70,000 – $79,999 | 60% | 40% |
| $80,000 – $89,999 | 40% | 60% |
| $90,000 or more | — | Not eligible |
What "adjusted family net income" means
It's the net income (line 23600 of the T1) of you plus your spouse or common-law partner, with CRA adjustments — not your gross salary. Because it's based on your tax return, filing is what makes the number official.
Important: the share is of eligible costs
These percentages apply to the CDCP's established fees, which can be lower than what a dentist actually charges. See does CDCP really cover 100%?