Canadian Dental Care Plan
We Welcome Canadian Dental Care Plan (CDCP) Patients at Smile Horizons Dental Arts
The Canadian Dental Care Plan (CDCP) is a significant federal government initiative aimed at reducing the cost of dental care for eligible Canadian residents. At Smile Horizons Dental Arts in Mississauga, we are proud to be participating providers, helping to make essential dental treatments more accessible to our community.
Is the CDCP Right for You? Understanding Eligibility
The CDCP is designed for Canadian residents who meet specific income requirements and do not have access to private dental insurance. You may qualify if:
- Your adjusted family net income is less than $90,000 per year.
- You do not have access to private dental insurance or employer-sponsored dental benefits.
- You are a Canadian resident for tax purposes.
- You have filed your most recent tax return. (For 2025 applications, you must have filed your 2024 tax return).
Eligibility is determined solely by the federal government based on the criteria above.
Applying for the CDCP: Timeline and How-To
Applications for the CDCP are being rolled out in phases based on age group and other criteria. If you meet the eligibility requirements, you can apply directly through the official government channels.
CDCP Application Timeline (2025)
While applications for certain groups are already open, the eligibility will expand throughout 2025:
| Eligibility Group | Application Status / Opens |
|---|---|
| Aged 65 or older | Applications are open |
| Adults with a valid Disability Tax Credit certificate | Applications are open |
| Children under 18 years old | Applications are open |
| Ages 55-64 | Opens May 1, 2025 |
| Ages 18-34 | Opens May 15, 2025 |
| Ages 35-54 | Opens May 29, 2025 |
For those whose application opens in May 2025, coverage can potentially begin as early as June 1, 2025, provided your application is approved.
Need Help Applying?
If you think you qualify for the Canadian Dental Care Plan, the essential next step is applying directly through the official government channels. The process is simple and can typically be completed online or by phone. You will need your SIN, proof of income, and other basic information.
View Our Step-by-Step Guide to ApplyingUnderstanding Your CDCP Coverage
What Dental Services Are Covered?
The CDCP covers a range of essential dental services based on the CDCP Oral Health Benefit Grid. Covered services include:
- Preventive Care: Routine check-ups, cleanings (scaling and polishing), fluoride treatments, sealants.
- Diagnostic Services: Oral exams, X-rays.
- Restorative Treatments: Fillings and crowns.
- Endodontic Care: Root canal treatments.
- Periodontics: Deep cleaning (scaling and root planing).
- Prosthodontics: Complete and partial dentures, including repairs and relines.
- Oral Surgery: Tooth extractions.
Important Note on Coverage
Coverage is specific to the CDCP Oral Health Benefit Grid and includes frequency limits for certain procedures. Not all dental procedures are covered by the CDCP. Furthermore, some services require pre-authorization from the CDCP administrator (Sun Life) before treatment can be performed (required starting November 2024). We highly recommend reviewing your coverage details once approved.
How Much Does the CDCP Cover? (Co-payments)
The CDCP aims to reduce costs, but it may not cover the full cost of treatment for all individuals. The amount covered depends on your adjusted family net income:
- Adjusted Family Net Income below $70,000: The CDCP covers 100% of the CDCP fee schedule for covered services.
- Adjusted Family Net Income between $70,000 and $79,999: The CDCP is expected to cover 60% of the CDCP fee schedule for covered services. You would be responsible for a co-payment of 40%.
- Adjusted Family Net Income between $80,000 and $89,999: The CDCP is expected to cover 40% of the CDCP fee schedule for covered services. You would be responsible for a co-payment of 60%.
The percentage of costs covered is based on the CDCP fee schedule, which may differ from standard provincial dental fee guides.
Renewing Your CDCP Coverage
To ensure your CDCP coverage continues without interruption, you must successfully renew your application annually. Eligibility is reassessed each year based on your updated income and private insurance status.
- Annual renewal period typically begins in March.
- The deadline to renew for uninterrupted coverage is June 1st each year.
What to Expect When Booking with CDCP
Once your CDCP application is approved, you will receive a welcome package from Sun Life, the plan administrator. This package contains crucial details about your coverage and your member information.
When you are ready to book an appointment at Smile Horizons Dental Arts, please:
- Inform our administrative team that you are a Canadian Dental Care Plan member.
- Have your CDCP member details available.
- Be aware of potential co-payments based on your income level.
- Understand that coverage is subject to CDCP's specific guidelines and fee schedules.
Key Reminder:
The CDCP is managed by Health Canada and administered by Sun Life. While we are participating providers, we do not determine eligibility or process applications directly. For specific questions about your application status, eligibility, or detailed coverage, please contact the official CDCP channels or Sun Life.
Ready to Book Your Appointment?
If you are an approved CDCP member, or have general questions about accessing care with the CDCP at our clinic, please contact us today.
📞 Call Smile Horizons Dental Arts at: (905) 607-8778
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