The Canadian Dental Care Plan (CDCP) is a federal program designed to help Canadians without private dental insurance access the care they need. Whether you’re eligible, how to register, and which treatments are covered—here’s everything you need to know as a Montreal resident.
Essential Summary
| Eligibility Criterion | Detail | Status |
|---|---|---|
| Net family income | Below $90,000 per year | Mandatory |
| Private dental insurance | Must not have access to private coverage | Mandatory |
| Residency | Must be a Canadian resident and have filed taxes | Mandatory |
| Age | Phased rollout: seniors, children, then adults | Check eligibility |
| Patient contribution | Varies by income ($0 to $60 per visit) | Income-based |
How Does the CDCP Work?
The Canadian Dental Care Plan is administered by Sun Life on behalf of the federal government. Once enrolled and eligible, beneficiaries receive a membership card to present to their dentist at each appointment. The care provider then submits the claim directly to Sun Life.
The plan covers a wide range of preventive, diagnostic, and restorative services. Exams, X-rays, cleanings, fillings, simple extractions, root canal treatments on certain teeth, and dentures are among the eligible services. However, cosmetic treatments such as whitening are not covered.
Are You Eligible? Criteria to Check
Before registering, verify that you meet the following conditions. Your adjusted net family income must be below $90,000 per year. You must not have access to private dental insurance through an employer, union, or spouse. You must be a Canadian resident and have filed your most recent tax return.
The patient contribution varies by income: no fees for families earning less than $70,000, and a co-payment of up to $60 per visit for incomes between $70,000 and $90,000. Exact amounts and reimbursement caps are updated annually by the government.
The CDCP in Montreal: Access and Local Considerations
Montreal, with its diverse population and many self-employed or contract workers, has a large number of residents without private dental coverage. The CDCP represents a significant step forward for these individuals.
Clinique Dentaire Metro Papineau participates in the CDCP program and welcomes beneficiaries for all covered services. The team can help you verify your eligibility and guide you through the registration process. Simply book an appointment and bring your Sun Life membership card.
Book Your Appointment
Think you might be eligible for the CDCP? Contact Clinique Dentaire Metro Papineau to verify your eligibility and plan your dental care. Our team will guide you every step of the way
FAQ: Frequently Asked Questions
How do I register for the Canadian Dental Care Plan?
Registration is done online at the Service Canada website or by phone at 1-833-537-4342. You will need to provide your tax information and confirm that you do not have private dental insurance. Processing typically takes a few weeks.
Does the CDCP cover dental implants?
The CDCP covers certain types of dental prosthetics, but coverage for implants may be limited or subject to specific conditions. Check the benefits schedule on the Sun Life website or ask your dentist to verify your coverage before planning treatment.
