Who Qualifies for CDCP? A Complete Guide to Eligibility and Enrollment
The Canadian Dental Care Plan (CDCP) is one of the most significant healthcare expansions in Canadian history. But many Canadians still aren't sure if they qualify — or what steps to take to get covered. This guide breaks it all down.
Who Qualifies for CDCP?
To be eligible for CDCP, you must meet ALL of the following criteria:
- Canadian resident — You must be a resident of Canada for tax purposes
- Filed a tax return — You must have filed your most recent Canadian income tax return
- No access to private dental insurance — You cannot have dental coverage through an employer, spouse's employer, or private plan
- Adjusted family net income under $90,000 — Your household income determines your coverage level
Coverage Levels by Income
CDCP coverage is not one-size-fits-all. Your co-payment depends on your income bracket:
- Under $70,000 — Full coverage, no co-pay required
- $70,000 – $79,999 — 60% coverage, 40% co-pay
- $80,000 – $89,999 — 40% coverage, 60% co-pay
How to Apply for CDCP
There are three ways to apply:
- Online — Visit canada.ca/cdcp and complete the application form
- By phone — Call Service Canada at 1-833-537-4342
- In person — Visit a Service Canada office with your identification
You will need your Social Insurance Number (SIN) and information from your most recent tax return.
After You Apply: Getting Your Welcome Package
Once approved, you will receive a welcome letter from Sun Life (the plan administrator) containing:
- Your CDCP member ID number
- Instructions for finding a participating dentist
- Details about your coverage and co-payment requirements
Activating Your Coverage
Your coverage becomes active on the date specified in your welcome letter. Before your first appointment:
- Confirm your dentist accepts CDCP and offers direct billing
- Bring your CDCP member ID to your appointment
- Provide your date of birth for verification
Renewing Your Coverage Annually
CDCP eligibility is reassessed each year based on your tax return. To maintain coverage:
- File your taxes on time every year
- Update Service Canada if your income or insurance status changes
- Re-apply if you become newly eligible after previously being ineligible
Find a CDCP Dentist on DrGreat
Once you have your CDCP coverage, use DrGreat to find a participating dentist near you. Filter by CDCP acceptance, location, language, and specialty — and book your first appointment with confidence.
