Canadian Dental Care Plan FAQ
March 27, 2025
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What is the Canadian Dental Care
Plan (CDCP)?
The CDCP is a publicly funded federal dental care plan that brings equity in access to oral health
care to Canadians with lower socioeconomic status. It is managed and run by the Oral Health
Branch of Health Canada.
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Who is eligible for the CDCP?
Canadian residents with a family net income below $90,000 and who do not have access to dental
insurance qualify for CDCP. It is open to seniors aged 65 and over, children under 18, those
with
disabilities, and, effective May 1, 2025, Canadians aged 18-64.
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Which services are included in the
CDCP?
To view eligible services that the CDCP covers, visit canada.ca/dental.
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Do all CDCP clients have the same
coverage?
No. There is a tiered system of coverage based on the net family-adjusted income:
- Below $70,000, 100% of the established CDCP services fees are covered.
- Between $70,000 and $79,999, 60% of the established CDCP services fees are covered.
- Between $80,000 and $89,999, 40% of the established CDCP services fees are covered.
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What is a co-payment?
A co-payment is the percentage of the CDCP fees that the CDCP does not cover, and that the CDCP
client will have to pay directly to the oral health provider. The co-payment is based on the CDCP
client’s adjusted family net income. Clients are informed of their co-payment percentage in their
welcome package.
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Could there be any additional
charges for services rendered to a CDCP-eligible client?
It is possible that the CDCP-established fees for services may not be the same as what the oral
health provider charges. If the cost of the services received exceeds what the CDCP will reimburse
the oral health provider, the CDCP-eligible client may have additional costs besides the copayment. Oral
health
providers must inform all CDCP clients of any additional charges beyond what
the plan covers before the services are performed.
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How are CDCP clients approved?
Potential eligible Canadians can verify and apply for the CDCP online by visiting canada.ca/dental.
Oral health providers do not determine whether a patient is approved.
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The CDCP is launched using a
phased approach. Who is eligible to enroll and receive care in
2025?
Seniors, people with disabilities, and children under 18 years of age. Canadians ages 18 to 64 can
begin to apply effective May 2025.
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Are CDCP clients required to renew
their coverage annually?
Yes. CDCP clients must renew their coverage yearly to confirm they meet all eligibility
requirements. Renewals opened in March 2025 and must be submitted before June 1, 2025, to
avoid a potential coverage gap.
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How does an oral health
provider ensure that a CDCP client is eligible?
When a client is approved for CDCP coverage, they are sent a welcome package that includes a
benefit card with their name and plan number. To verify coverage, the oral health provider will input
the name of the client and the plan number into Sun Life Direct to verify the copayment amount, if
any, or call the Sun Life CDCP call centre at 1-888-888-8110.
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When can a CDCP client make an
appointment?
The first appointment date will be based on the CDCP client’s application approval date. The
client’s welcome package will inform them of this date, which the oral health provider can verify
through the Sun Life Direct portal.
NOTE: The date is not indicated on their benefit card.
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Is there a maximum spending
limit (in dollars) under the CDCP per client?
No. There is no maximum spending limit, only limits on the type and frequency of services covered
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What is Sun Life’s role in the
CDCP?
Sun Life is the administrator of the CDCP on behalf of the Government of Canada.
NOTE: Sun Life is not responsible for determining the Terms and Conditions under the CDCP, the
services covered, the frequency of services, or the CDCP fees; Health Canada is.
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What is Sun Life Direct?
Sun Life Direct is a
portal that allows oral health providers to:
- Confirm their participation in the CDCP.
- Verify their patients’ CDCP eligibility and availability of coverage.
- Sign up and manage their banking information for direct deposits from Sun Life.
- View their payment history.
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I am a clinical dental hygienist
employed by a dentist, a dental corporation, or a
community
clinic. Do I need to register with the CDCP?
No. The office dentist/clinic/employer you work for/in will register as an oral health provider with the
CDCP.
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How can a CDCP oral health
provider submit claims?
Claims can be submitted through Electronic Data Interchange (EDI). As of November 2024, both
EDI and paper claims will be processed.
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Where can I find the
CDCP-established benefit grids?
The CDCP fee
grids
can be found on the Sun Life Oral Health Provider section of their website.
Providers can upload the fee grids into their software systems. The 2025 CDCP Fee Grids were
released and in effect for all provinces on April 1, 2025.
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How will CDCP oral health
providers know how much to bill clients?
CDCP clients must be informed about any fees that are not covered by the CDCP before they
receive care. Services and fees can be validated through Electronic Data Interchange (EDI), the Sun
Life Direct coverage look-up tool, or by calling the call centre at 1-888-888-8110.
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How are CDCP oral health
providers paid for their services?
Providers who submit claims to Sun Life using Electronic Data Interchange (EDI) and are enrolled
with Sun Life Direct will receive direct deposit to their business bank account within 24-48 hours.
Those who opt for payment by cheque will receive them once a month.
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Can CDCP clients submit their
own claim forms for reimbursement?
No. Firstly, the CDCP is a government plan, not a plan that belongs to the patient. It was put in place
to reduce barriers to oral health care for low-income populations. Claims for services covered
under the CDCP must be submitted directly to Sun Life by a participating CDCP oral health provider.
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Is it mandatory to confirm my
participation in the CDCP as an oral health provider?
Provider participation in the CDCP is voluntary. Given that CDCP is publicly funded by taxpayers,
the Government of Canada determines the terms and conditions of the program. Providers have
two pathways to provide dental
hygiene
care. They can fully enroll in the plan acknowledging the
terms in the Claims Processing and Payment Agreement OR provide dental hygiene care to eligible
CDCP clients and claim services rendered on a claim-by-claim basis.
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Can I opt-out as an eligible
oral health provider if I change my mind?
Yes. You can opt-out at any time.
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Can I balance bill?
Yes, but you are strongly encouraged to bill the CDCP Dental Benefit Grids. The CDCP was designed
to ensure that lower-income residents can access the oral services they need to improve their oral
and overall health. If you choose to balance bill, you must obtain informed consent from the CDCP
client before the services are rendered about any fees the CDCP will not cover.
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Is there any coordination of
benefits?
The Government of Canada negotiated with all provinces and territories that have publicly funded
dental care programs to determine which plan will be the first payer and the second payer. For more
information on programs within your province, consult canada.ca/dental.
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Can additional services (for ex.
units of scaling) be requested under the CDCP at this time?
Yes. The preauthorization process for additional services was made available in November 2024.
For more information, consult Section 5.0 of the Dental
Benefits Guide and the
Government of
Canada web page
for more information on preauthorization.
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What is the CDCP Oral Health
Provider Search Tool?
The CDCP Provider Search
tool allows CDCP-eligible clients to search from a network of
participating oral health providers across Canada, including dentists, dental specialists, denturists,
and dental hygienists.
Note: When you complete full enrollment in the CDCP you will automatically be entered in the
Provider Search function, but you can opt out anytime.
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Why are CDCP Dental Benefit Fees
different than the provincial and territorial fee guides for
oral health providers?
The CDCP dental benefit grids have been designed using the existing methodology of other federal
dental programs to pay a fair rate to oral health providers for evidence-based treatments and
services.
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Is there still a difference
between the general dentists and the dental hygienists' CDCP fees
for the same dental hygiene services?
No. Effective April 1, 2025, the general dentists and dental hygienists CDCP fee grids are the same
for equivalent services.
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What has CDHA’s role been with
the Government of Canada, Health Canada, Sun Life and the
CDCP?
Since early 2022, CDHA, with the help of a team of dental hygienists and other oral health
stakeholders, has been involved in reviewing all publicly funded programs to inform our requests to
the government with suggested evidence-informed services and processes that this new plan
should include, along with recommendations regarding the frequency of these services for every
segment of the population. Throughout the development process, CDHA and other key national
stakeholders have communicated directly with various levels of government to help shape the
CDCP. After reviewing many submissions, the government opted to mirror the CDCP in the NonInsured Health
Benefits program for First Nations, another federally funded program.
CDHA staff meet bi-weekly with government representatives and sit alongside other dental
hygienists in various working groups (Engagement, Communications, Fees, Preauthorization, and
Administrative Processes) to help refine the program. CDHA will continue to be present during
negotiations and act in the best interests of all its members, including dental hygienists practising
independently.
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What is CDHA doing to advocate
for independent dental hygienists?
Since the announcement of an upcoming federal dental care plan for low-income Canadians,
CDHA has been involved with Health Canada, oral health associations, other stakeholders, and
various levels of government officials. We have been advocating for the plan to cover populationspecific
evidence-informed preventive services with reasonable frequency limits for each service,
fair and equitable reimbursement rates for services provided, the administration of the plan that
would not rely heavily on predetermination/pre-authorization of services or be an administration
burden for business owners, and for proper surveillance of services offered to inform future
changes to the plan. We also continue to advocate for the addition of some preventive services
including (e.g., oral health education, health promotion, daily mouth care), increased frequency
limitations for certain services, no limitations on patients’ examinations, and more
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What is CDHA’s responsibility in
the development of the CDCP Dental Benefit Fee Grids?
CDHA is exclusively responsible for developing the National List of Service Codes and their
definitions. Each provincial association is responsible for developing its respective fee guide, which
is based on a stringent analysis of the cost of operating an independent dental hygiene practice
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What is the responsibility of
the dental hygienist who elects to participate as an oral health
provider in the CDCP regarding the use of the Dental Benefit Fee Grids?
The CDCP reflects a fee-for-service approach identical to clinical practice. Participating dental
hygienists must claim the correct service codes and fees for the services rendered to eligible CDCP
clients. Failure to do so may result in the removal of the privilege of being a participating oral health
provider under the CDCP.