Do you qualify for the Canadian Dental Care Plan?
It's a government plan that helps Canadians pay for dental care. If you don't have private insurance and earn under $90,000, you might qualify. Answer a few quick questions to find out.
- ✓ Free, no sign-up
- ✓ Takes ~60 seconds
- ✓ Find a dentist near you
Are you a resident of Canada for tax purposes?
How CDCP Guide works
Check eligibility
We ask the four questions that decide eligibility: residency, tax filing, income, and insurance access. Then you get a clear yes or no with your co-pay tier.
Understand your benefits
We explain, in plain language, what's covered, what you'll actually pay, and the 'free isn't always free' gotcha most people miss.
Find a dentist
Eligible or not, we connect you with a dentist near you accepting new patients, including ones who bill at the CDCP rate so you avoid surprise charges.
What you'll pay, at a glance
Your co-pay depends on your adjusted family net income. CDCP pays a share of eligible costs:
Guides & common questions
Plain-language answers to what Canadians actually ask about the CDCP.
Who is eligible for the Canadian Dental Care Plan?
You qualify for the CDCP if all four are true: you're a Canadian resident for tax purposes, you filed last year's tax return, your adjusted family net income is under $90,000, and you don't have access to private dental insurance. The plan is now open to eligible residents of every age.
Read more →EligibilityDo I qualify for the Canadian Dental Care Plan?
You likely qualify if you're a Canadian tax resident, filed last year's taxes, have adjusted family net income under $90,000, and have no access to private dental insurance. The fastest way to know is to run our free 60-second eligibility check.
Read more →EligibilityWhat are the CDCP income limits for 2026?
The CDCP covers people with adjusted family net income under $90,000. Under $70,000, the plan pays 100% of eligible costs; $70,000–$79,999 it pays 60%; $80,000–$89,999 it pays 40%; at $90,000 or more you aren't eligible.
Read more →Coverage & costsWhat does the Canadian Dental Care Plan cover?
The CDCP covers a broad range of oral-health services: preventive care like exams, cleanings and x-rays; restorative care like fillings; root canals; extractions and oral surgery; and prosthodontics like dentures. Some services require preauthorization, and coverage is paid against established fees.
Read more →Coverage & costsDoes the CDCP really cover 100%?
If your adjusted family net income is under $70,000, the CDCP pays 100% of eligible costs, but 'eligible' means the CDCP's established fee, which can be lower than what your dentist charges. So even at the 0% co-pay tier you may owe the difference, plus the cost of any non-covered services.
Read more →Coverage & costsHow much is the CDCP co-pay?
Your co-pay is the share of eligible costs the CDCP doesn't pay: 0% if your adjusted family net income is under $70,000, 40% from $70,000–$79,999, and 60% from $80,000–$89,999. On top of the co-pay, you may owe any amount a dentist charges above the CDCP established fee.
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