Why "100%" doesn't always mean "$0"
The CDCP reimburses dentists according to its own established fee schedule. Many dentists set their fees using their provincial suggested fee guide, which is often higher. When a dentist charges above the CDCP established fee, the difference is not covered — even if you're in the 100% tier.
How to avoid a surprise bill
- Ask the practice directly: "Do you bill at the CDCP established fee, or will I owe a difference?"
- Ask whether any planned service needs preauthorization.
- Ask whether the treatment is fully covered or only partially.
We highlight dentists who confirm they bill at the CDCP rate, so you can keep your out-of-pocket cost at or near zero. Run the eligibility check, then we'll help you find one.