< $90,000
Household Income Limit
0%
Co-pay Under $70k/yr
40–60%
Co-pay $70k–$89,999
All Ages
Now Covered
The Canadian Dental Care Plan (CDCP) is a federal government program designed to provide dental coverage for Canadian residents who do not have private dental benefits and have a household income of less than $90,000 per year. Keheewin Family Dental is proud to be a participating provider – welcoming patients of all ages under the plan.
What Is the CDCP?
The Canadian Dental Care Plan is a federal initiative that helps make dental care accessible to millions of Canadians who currently have no dental coverage. It is not a free program – cost-sharing applies based on household income – but it significantly reduces the out-of-pocket expense of essential dental treatment.
The plan is administered by Sun Life on behalf of Health Canada. Once approved, you will receive a member card and coverage start date. You can use your coverage at any participating dental provider – including Keheewin Family Dental.
- Available to Canadian residents without private dental insurance
- Household net income must be under $90,000 per year
- Must have filed a tax return to establish income eligibility
- Co-payments apply on a sliding scale based on income
- Not all dental services are covered – confirm coverage before treatment
What Services Are Covered?
The CDCP covers a broad range of dental services as recommended by your dentist. Coverage levels vary by group and co-payment amounts differ accordingly. The following service categories are included under the plan:
- Preventive services – scaling, polishing, sealants, and fluoride treatments
- Diagnostic services – dental examinations and X-rays
- Restorative services – fillings
- Endodontic services – root canal treatments
- Prosthodontic services – complete and partial dentures
- Periodontal services – deep scaling
- Oral surgery services – tooth extractions
Not all services are covered under every category. We recommend confirming your specific coverage and any co-payment amounts before beginning treatment. For the most up-to-date details, visit canada.ca/dental.
Understanding Co-Payments
The CDCP uses an income-based co-payment model. The government covers a percentage of your treatment cost, and you are responsible for the remainder based on your household income:
Under $70,000
100% government coverage
$70,000 – $79,999
60% government coverage
$80,000 – $89,999
40% government coverage
If your household income is $90,000 or more, you are not eligible for the CDCP. If you already have private dental insurance, do not cancel it – the CDCP is designed to supplement, not replace, existing coverage.
Who Is Eligible & How to Apply
To be eligible for the CDCP, you must be a Canadian resident who does not have access to private dental insurance and has a household net income below $90,000 per year. You must also have filed a tax return to establish your income eligibility.
You can apply online, by phone, or through a Service Canada Centre. The plan was rolled out in phases beginning in late 2023 and is now open to all eligible Canadians.
- Canadian resident without private dental insurance
- Household net income under $90,000/year
- 2024 tax return filed
- Apply via canada.ca/dental, by phone, or at a Service Canada Centre
Don't delay your dental visits while waiting for CDCP coverage to begin. Oral health issues rarely improve on their own – catching problems early leads to simpler, less costly treatment.
Common
Questions
Does Keheewin Family Dental accept the CDCP?
Yes – we are a participating CDCP provider and welcome patients of all ages under the plan. Please bring your Sun Life member card to your appointment.
What if I also have provincial dental coverage?
You can still apply for the CDCP if you have provincial coverage. Benefits coordinate between programs without duplication. The federal government coordinates with provinces on payment priority.
Should I cancel my private insurance to use the CDCP?
No – do not cancel your private insurance. The CDCP is intended to supplement existing coverage, not replace it. Keep any private or employer benefits you currently have.
What counts as 'not having dental insurance'?
You are considered uninsured if you have no employer or family member employer benefits, no pension plan dental coverage, and no privately purchased or group plan insurance.
When will my CDCP benefits start?
Once Health Canada approves your application, Sun Life enrolls you and sends a coverage start date along with your member card. The plan is now open to all eligible Canadians.
Should I delay dental visits until my coverage begins?
No. Continue getting regular dental check-ups now to catch problems before they become painful and expensive. Apply for the plan when eligible and use your coverage going forward.
We Accept
The Canadian Dental Care Plan
Keheewin Family Dental is a proud CDCP participating provider. Book your appointment today and let us help you get the care you deserve.
