Access to dental care is essential for overall health, yet many Canadians struggle with the cost of dental services. To address this gap, the Government of Canada introduced the Canadian Dental Care Plan (CDCP) — a program designed to help eligible individuals receive the dental care they need without financial barriers. Here’s what you need to know about the plan, including who qualifies and what it covers.
Who Is Eligible for the Canadian Dental Care Plan?
The CDCP is aimed at helping lower-income individuals and families who do not have private dental insurance. To qualify, you must meet the following criteria:
- Household income: Your annual family income must be below a certain threshold ($90,000), which is set by the government to ensure support for those most in need.
- No private dental insurance: You must not have access to employer-sponsored or private dental coverage.
- Canadian resident: You must be a Canadian citizen or a permanent resident.
- Tax filing requirement: You need to have filed your taxes in the previous year, as eligibility is determined based on income information from the CRA.
The applications are now open for:
- Seniors aged 65 and older
- Children under the age of 18
- Adults with valid federal disability tax credit certificate for 2023
What Does the Plan Cover?
The CDCP provides coverage for a range of essential dental services, with an emphasis on preventive and basic care. The plan pays a portion of the cost for a wide range of healthcare services. While exact details may vary, covered services typically include:
- Examinations and cleanings: Routine check-ups and professional cleanings to maintain oral health.
- X-rays: Diagnostic imaging to detect dental issues early.
- Fillings and restorative work: Treatment for cavities and minor tooth repairs.
- Extractions: Remove damaged or severely decayed teeth when necessary.
- Emergency dental care: Relief for sudden dental pain or infections.
Certain major procedures, such as orthodontics or cosmetic treatments, may not be covered unless deemed medically necessary.
How to Apply for the Canadian Dental Care Plan
Applying for the CDCP is an extremely straightforward process managed by the federal government. Eligible individuals can apply online through the Canada Revenue Agency (CRA) website. The process takes about five minutes and all you need is your basic personal details!
Contact Navy & Sage Benefits for help.
The Canadian Dental Care Plan is a significant step toward making oral healthcare more accessible for those who need it most. If you or someone you know meets the eligibility criteria, it’s worth exploring how this program can help reduce the financial burden of dental care.
If you’re looking for more information on benefits, whether or not you qualify and other industry information, contact Navy & Sage Benefits today. We’d be more than happy to guide you in the right direction.
