The Canadian Dental Care Plan (CDCP) has expanded in 2025 to include adults aged 18 to 64 without private dental insurance.
This federal initiative aims to make dental care more accessible and affordable for low- and middle-income Canadians.
The program is administered by Sun Life Financial on behalf of the Government of Canada.
Eligibility Criteria
To qualify for the CDCP in 2025, applicants must meet the following requirements:
- Age: 18 to 64 years old.
- Residency: Canadian resident for tax purposes.
- Income: Adjusted family net income below $90,000.
- Insurance Status: No access to private dental insurance.
- Tax Filing: Filed a tax return for the previous year.
Applications open in May 2025, with specific dates based on age groups:
| Age Group | Application Start Date | Coverage Start Date |
|---|---|---|
| 55 to 64 years | May 1, 2025 | June 1, 2025 |
| 18 to 34 years | May 15, 2025 | June 1, 2025 |
| 35 to 54 years | May 29, 2025 | June 1, 2025 |
Coverage Details
The CDCP covers a wide range of dental services, including:
- Preventive Care: Dental exams, cleanings, fluoride treatments, and sealants.
- Diagnostic Services: X-rays and oral examinations.
- Restorative Services: Fillings and simple extractions.
- Endodontic Services: Root canal treatments.
- Periodontal Services: Gum disease treatment.
- Prosthodontic Services: Removable dentures.
- Oral Surgery: Extractions and other necessary surgical procedures.
- Orthodontic Services: Limited to cases of medical necessity, with preauthorization required.
Note: Cosmetic procedures, dental implants, and certain specialized services are not covered.
Cost and Co-Payments
The amount covered by the CDCP depends on your adjusted family net income:
| Adjusted Family Net Income | CDCP Coverage | Applicant Co-Payment |
|---|---|---|
| Below $70,000 | 100% | 0% |
| $70,000 – $79,999 | 60% | 40% |
| $80,000 – $89,999 | 40% | 60% |
Applicants with income above $90,000 are not eligible for the CDCP.
How to Apply
Eligible individuals can apply for the CDCP through the following method:
- Online: Visit canada.ca/dental to apply.
- Phone: Call 1-833-537-4342 for assistance.
- In-Person: Visit a Service Canada Centre.
Upon approval, applicants will receive a welcome package from Sun Life Financial, including a member card and details about coverage and co-payments.
Annual Renewal
CDCP coverage must be renewed annually. To maintain coverage:
- File your tax return for the previous year.
- Submit a renewal application before June 1 each year.
Failure to renew by the deadline may result in a lapse of coverage.
The expansion of the Canadian Dental Care Plan in 2025 marks a significant step toward making dental care more accessible for millions of Canadians.
By understanding the eligibility criteria, coverage details, and application process, you can take advantage of this opportunity to maintain your oral health without financial strain.
FAQs
Can I use the CDCP if I have existing dental insurance?
No. The CDCP is intended for individuals without access to private dental insurance.
Are orthodontic treatments like braces covered?
Orthodontic services are covered only in cases of medical necessity and require preauthorization.
How do I know if my dentist participates in the CDCP?
Confirm with your dental provider if they accept CDCP patients and agree to bill Sun Life Financial directly.