The Canadian Dental Care Plan (CDCP) is the largest federal healthcare expansion in generations, designed to provide oral care access to millions of uninsured Canadian residents with an adjusted family net income below $90,000.
Who is Eligible for CDCP?
- No access to private or employer-provided dental insurance
- Adjusted family net income under $90,000 CAD
- Canadian tax resident who filed their previous year’s tax return
Co-Pay Structure Under CDCP
The federal government reimburses participating dentists according to the established CDCP fee schedule. Depending on your household income tier, your coverage percentage varies:
- Under $70,000: 100% of the CDCP fee covered (0% patient co-pay)
- $70,000 – $79,999: 60% of the CDCP fee covered (40% patient co-pay)
- $80,000 – $89,999: 40% of the CDCP fee covered (60% patient co-pay)
Important note: Because provincial dental fee guides (ODA, BCDA, ACDQ) may differ slightly from the federal CDCP rate, SmileHub dentists clearly display whether they accept the federal fee schedule directly without balance billing.