In 2024, the Canadian federal government launched the Canadian Dental Care Plan (CDCP) to help reduce barriers to dental care.
In 2025, the program will expand to include more Canadians.
This article walks you through who qualifies, what dental services are covered, how to apply, and key things to watch out for.
What is the Canadian Dental Care Plan (CDCP)?
The Canadian Dental Care Plan (CDCP) is a federal program designed to help Canadians without dental insurance afford necessary oral health care.
It reimburses a portion of eligible dental care costs for qualifying individuals.
The program officially launched on November 1, 2024.
In 2025, the CDCP is being expanded to include all eligible Canadians aged 18 to 64 who meet income and insurance criteria.
Who qualifies for the CDCP in 2025?
To be eligible for the CDCP in 2025, you must meet all of these criteria:
- No access to dental insurance
You must not have dental coverage through employment, pension plans, student health plans, or a group plan provided by someone else. - Adjusted family net income under $90,000
Your family’s income must fall below $90,000 after adjustments. - You (and your spouse / common-law partner, if applicable) must have filed tax returns
The government uses your tax returns to assess your income and eligibility. - Canadian resident for tax purposes
You must be a resident in Canada for tax purposes.
Also note:
- If you already have public service dental benefits under the Public Service Dental Care Plan (PSDCP), you aren’t eligible for the CDCP.
- Individuals who retired and opted out of pension benefits before December 11, 2023, may qualify under special rules.
In May 2025, CDCP opened applications by age groups so that by mid-year, all 18-64 year-old Canadians meeting the criteria became eligible.
What dental services are covered under the CDCP?
The CDCP covers a wide range of oral health care services, subject to limits, provider participation, and preauthorization rules.
Some key coverage areas include:
- Diagnostic and preventive services (e.g., exams, x-rays)
- Restorative treatments (fillings, crowns)
- Endodontic, periodontal, oral surgery when medically necessary
- Dentures and prosthodontic services within guidelines
- Certain orthodontic services may be covered starting in 2025 (for medically necessary cases) via preauthorization.
Importantly, the CDCP does not cover cosmetic procedures or services beyond the fee grid and plan limitations.
Any fees above CDCP’s approved cost must be paid by the patient.
Also, CDCP uses fee grids and frequency limits; for some treatments, preauthorization is required before service.
How much will CDCP pay / what co-payment is required?
How much you get depends on your adjusted family net income:
- If your income is less than or equal to $70,000, CDCP may cover up to 100% of eligible costs under the fee grid.
- If your income is between $70,000 and $79,999, CDCP covers 60%, and you pay 40%.
- If income is between $80,000 and $89,999, CDCP covers 40%, and you pay 60%.
If you are outside coverage or your dentist’s fee exceeds the CDCP amount for that procedure, you pay the difference.
How to apply for the CDCP in 2025
- Use your My Service Canada Account (MSCA)
Log in or create your MSCA. In the dashboard, find the Canadian Dental Care Plan section.
Click “Apply for the Canadian Dental Care Plan.” - Provide required information
You’ll need your SIN, proof of residence, and information to confirm you don’t have dental insurance and your family income.
If you can’t use the online tool, you can apply by phone or through Service Canada centres. - Renew every year
Coverage runs by benefit year. You must renew annually to maintain eligibility. If renewal is missed and your coverage lapses, services during the gap will not be covered retroactively. - Wait for approval
Once your application is approved, your coverage start date will be set and your enrolment confirmed. Providers may check your coverage before providing service. - Confirm coverage before treatment
Ask your dental provider to verify CDCP coverage before starting treatment. The provider should submit claims to CDCP directly, where applicable. - Contact for support
For questions or help, call the CDCP contact centre at 1-833-537-4342 (TTY: 1-833-677-6262).
How dental costs still interact with CRA rules
Even if you are not eligible for CDCP, or for costs above its coverage, you may claim dental expenses as part of your Medical Expense Tax Credit (METC) under CRA rules.
Eligible dental services, when paid out of pocket and not reimbursed, can be included in your medical expense claims on your T1 return (line 33099 or 33199), after subtracting the lesser of 3% of net income or a fixed amount.