Key Takeaways
- The Canadian Dental Care Plan (CDCP) or Canada Dental Care Plan is a new federal program that will help cover some of the cost of various oral health care services for eligible Canadian residents who do not have access to dental insurance.
- The CDCP will start in 2024 and will be open to Canadian residents with an annual adjusted family net income of less than $90,000.
- Applications for the CDCP will open in phases, starting with seniors aged 87 and above in December 2023, followed by other age groups in the subsequent months.
- To apply for the CDCP, you will need a personalized application code that will be mailed to you by the government, along with instructions on how to apply online or by phone.
- Once you are approved for the CDCP, you will be enrolled in the program by Sun Life, the service provider that has been contracted to manage the dental plan.
- The CDCP will cover some of the cost of various oral health care services, such as exams, cleanings, fillings, extractions, root canals, crowns, dentures, and implants. You will not have to pay the full cost out of your own pocket.
Introduction
Hello, Hustlers! Are you looking for a way to improve your oral health and save money on dental care? If so, you may be interested in the new Canada Dental Care Plan 2024, a federal program that will help ease financial barriers to accessing oral health care for millions of Canadians.
In this article, we will give you an overview of the Canada Dental Care Plan 2024, including its eligibility criteria, application process, coverage, and benefits. We will also tell you how you can apply for the CDCP before May 2024 and start enjoying its advantages as soon as possible.
But before we dive into the details, let’s first understand what the CDCP is and why it was created.
What is the Canada Dental Care Plan 2024 and why was it created?
The Canada Dental Care Plan 2024, or CDCP for short, is a new federal program that will help cover some of the cost of various oral health care services for eligible Canadian residents who do not have access to dental insurance.
The CDCP was announced in the federal budget 2023, as part of the government’s commitment to make dental care more affordable and accessible for Canadians. According to the government, the CDCP will benefit about nine million Canadians who currently do not have dental coverage, and who have an annual adjusted family net income of less than $90,000¹².
The CDCP is expected to cost the federal treasury about $4.4 billion per year, and will be administered by Health Canada in collaboration with Employment and Social Development Canada (ESDC), through Service Canada, and Sun Life²⁵.
The CDCP aims to improve the oral health and well-being of Canadians, as well as reduce the burden on the health care system. According to the Canadian Dental Association, poor oral health can lead to serious health problems, such as diabetes, heart disease, stroke, and respiratory infections. Moreover, oral health issues can affect one’s quality of life, self-esteem, and social interactions.
By providing financial assistance to access oral health care, the CDCP hopes to prevent and treat oral health problems, and improve the overall health and happiness of Canadians.
IMPORTANT LINKS:
- What Expenses Can You Deduct from Your Rental Income? (Updated 2024)
- How to Get Your EITC Refund Faster in 2024
- CPP, RRSP, TFSA, FHSA, AMT and OAS Changes: What You Need to Know for 2024
- What Happens to Your CPP and OAS Benefits When Your Spouse Dies?
- How to Get the Grocery Rebate Payments in Canada in January 2024
Who is eligible for the Canada Dental Care Plan 2024 and how to apply?
The CDCP will be open to Canadian residents who meet the following criteria²³:
- They have a valid Social Insurance Number (SIN)
- They are 18 years of age or older
- They do not have access to dental insurance, either through their employer, a spouse, or a private plan
- They have an annual adjusted family net income of less than $90,000, based on their most recent tax return
The CDCP will also be available to children under the age of 18, whose parents or guardians meet the above criteria.
Applications for the CDCP will open in phases, starting with seniors aged 87 and above in December 2023, followed by other age groups in the subsequent months. The application schedule by age group is as follows²³:
| Group | Applications open |
| Seniors aged 87 and above | Starting December 2023 |
| Seniors aged 77 to 86 | Starting January 2024 |
| Seniors aged 72 to 76 | Starting February 2024 |
| Seniors aged 70 to 71 | Starting March 2024 |
| Seniors aged 65 to 69 | Starting May 2024 |
| Adults with a valid Disability Tax Credit certificate | Starting June 2024 |
| Children under the age of 18 | Starting June 2024 |
| All remaining eligible Canadian residents | Starting 2025 |
To apply for the CDCP, you will need a personalized application code that will be mailed to you by the government, along with instructions on how to apply online or by phone. You will also need to provide some personal information, such as your name, date of birth, SIN, address, and income.
If you are eligible to apply but have not received a letter with your application code, you can contact Service Canada to request one²³.
Once you submit your application, you will receive a confirmation number and a notice of decision within a few weeks. If you are approved for the CDCP, you will be enrolled in the program by Sun Life, the service provider that has been contracted to manage the dental plan. You will receive a welcome package from Sun Life, which will include your CDCP card, a list of participating oral health providers, and information on how to access your online account²³.
What services are covered by the Canada Dental Care Plan 2024 and how much will it cost?
The CDCP will cover some of the cost of various oral health care services, such as exams, cleanings, fillings, extractions, root canals, crowns, dentures, and implants. The exact services and amounts covered will depend on the type and frequency of the service, as well as the provincial or territorial fee guide where the service is provided²³.
The CDCP will not cover the full cost of the service, but rather a percentage of it, based on the following table²³:
| Service type | Percentage covered |
| Diagnostic services (e.g., exams, x-rays) | 80% |
| Preventive services (e.g., cleanings, fluoride treatments) | 80% |
| Basic restorative services (e.g., fillings, extractions) | 70% |
| Major restorative services (e.g., root canals, crowns) | 50% |
| Prosthodontic services (e.g., dentures, implants) | 50% |
For example, if you need a filling that costs $100, and the CDCP covers 70% of basic restorative services, you will only have to pay $30 out of your own pocket, and the CDCP will pay the remaining $70.
The CDCP will also have an annual maximum of $1,000 per person, which means that the CDCP will not pay more than $1,000 for your dental services in a calendar year. If you reach your annual maximum, you will have to pay the full cost of any additional dental services until the next calendar year²³.
To access the CDCP benefits, you will need to visit a participating oral health provider, who is enrolled in the CDCP and accepts the CDCP card. You can find a list of participating oral health providers on the Sun Life website, or by calling Sun Life’s customer service line²³.
When you visit a participating oral health provider, you will need to present your CDCP card and pay your share of the cost at the time of service. The oral health provider will then submit a claim to Sun Life on your behalf, and receive the CDCP payment directly from Sun Life. You will not have to submit any receipts or paperwork to Sun Life²³.
Conclusion
The Canada Dental Care Plan 2024 is a new federal program that will help make dental care more affordable and accessible for millions of Canadians who do not have dental insurance. The CDCP will start in 2024 and will be open to Canadian residents with an annual adjusted family net income of less than $90,000.
Applications for the CDCP will open in phases, starting with seniors aged 87 and above in December 2023, followed by other age groups in the subsequent months. To apply for the CDCP, you will need a personalized application code that will be mailed to you by the government, along with instructions on how to apply online or by phone.
Once you are approved for the CDCP, you will be enrolled in the program by Sun Life, the service provider that has been contracted to manage the dental plan. You will receive a welcome package from Sun Life, which will include your CDCP card, a list of participating oral health providers, and information on how to access your online account.
The CDCP will cover some of the cost of various oral health care services, such as exams, cleanings, fillings, extractions, root canals, crowns, dentures, and implants. The exact services and amounts covered will depend on the type and frequency of the service, as well as the provincial or territorial fee guide where the service is provided .
The CDCP will not cover the full cost of the service, but rather a percentage of it, based on the following table :
| Service type | Percentage covered |
| Diagnostic services (e.g., exams, x-rays) | 80% |
| Preventive services (e.g., cleanings, fluoride treatments) | 80% |
| Basic restorative services (e.g., fillings, extractions) | 70% |
| Major restorative services (e.g., root canals, crowns) | 50% |
| Prosthodontic services (e.g., dentures, implants) | 50% |
For example, if you need a filling that costs $100, and the CDCP covers 70% of basic restorative services, you will only have to pay $30 out of your own pocket, and the CDCP will pay the remaining $70.
The CDCP will also have an annual maximum of $1,000 per person, which means that the CDCP will not pay more than $1,000 for your dental services in a calendar year. If you reach your annual maximum, you will have to pay the full cost of any additional dental services until the next calendar year .
To access the CDCP benefits, you will need to visit a participating oral health provider, who is enrolled in the CDCP and accepts the CDCP card. You can find a list of participating oral health providers on the Sun Life website, or by calling Sun Life’s customer service line .
When you visit a participating oral health provider, you will need to present your CDCP card and pay your share of the cost at the time of service. The oral health provider will then submit a claim to Sun Life on your behalf, and receive the CDCP payment directly from Sun Life. You will not have to submit any receipts or paperwork to Sun Life .
Conclusion
The Canada Dental Care Plan 2024 is a new federal program that will help make dental care more affordable and accessible for millions of Canadians who do not have dental insurance. The CDCP will start in 2024 and will be open to Canadian residents with an annual adjusted family net income of less than $90,000.
Applications for the CDCP will open in phases, starting with seniors aged 87 and above in December 2023, followed by other age groups in the subsequent months. To apply for the CDCP, you will need a personalized application code that will be mailed to you by the government, along with instructions on how to apply online or by phone.
Once you are approved for the CDCP, you will be enrolled in the program by Sun Life, the service provider that has been contracted to manage the dental plan. You will receive a welcome package from Sun Life, which will include your CDCP card, a list of participating oral health providers, and information on how to access your online account.
The CDCP will cover some of the cost of various oral health care services, such as exams, cleanings, fillings, extractions, root canals, crowns, dentures, and implants. You will not have to pay the full cost out of your own pocket, but rather a percentage of it, based on the type and frequency of the service. The CDCP will also have an annual maximum of $1,000 per person, which means that you will have to pay the full cost of any additional dental services once you reach your limit.
By providing financial assistance to access oral health care, the CDCP hopes to prevent and treat oral health problems, and improve the overall health and happiness of Canadians.
We hope you found this article informative and helpful. If you have any questions or feedback, please feel free to leave a comment below. And don’t forget to check out our website, HustleHub, for more tips and tricks on how to hustle your way to success. 💯
Source: (1) How to apply – Canada.ca. https://www.canada.ca/en/services/benefits/dental/dental-care-plan/apply.html. (2) Canadian Dental Care Plan – Canada.ca. https://www.canada.ca/en/services/benefits/dental/dental-care-plan.html. (3) Making dental care more affordable in Canada – Canada.ca. https://www.canada.ca/en/health-canada/news/2023/12/making-dental-care-more-affordable-in-canada.html. (4) The new CDCP: Here’s when seniors can apply for the … – MoneySense. https://www.moneysense.ca/save/budgeting/cdcp-when-seniors-can-apply-for-the-federal-dental-plan/. (5) Canada’s new dental care plan could impact nearly 9 million Canadians …. https://www.cbc.ca/news/canada/canada-dental-care-plan-benefit-1.7055975.