After the announcement of the Canadian Dental Care Plan (CDCP), you might be wondering “Does CDCP cover all dental treatments?”
The CDCP aims to provide more affordable dental care to eligible Canadian residents, but it doesn’t cover every treatment available and won’t replace existing dental coverage.
The CDCP focuses primarily on preventive and basic dental services, like cleanings, exams, fillings, and some types of oral surgery. However, some treatments, especially cosmetic ones, aren’t covered. These include things like teeth whitening, orthodontics, and certain other aesthetic procedures.
If you’re looking for coverage on major procedures like root canal treatments or dental implants, it’s important to check the specifics of what your CDCP benefits include.
How to Check CDCP Coverage?
To find out if you qualify for CDCP coverage, you’ll need to check your eligibility with Health Canada’s website or your provincial health department. Eligibility is usually based on factors like family income and existing dental coverage.
You can also talk to your oral health providers at a dental appointment to see if your dental office accepts the CDCP. Many participating dentists are familiar with the program and can guide you through the steps.
Is the CDCP Coverage Different From Private Insurance?
The CDCP is a federal government program meant to provide basic dental care to eligible Canadians. If you already have existing dental coverage through an insurance or benefits company or through a family member’s employer benefits, you might have access to more comprehensive care, especially for services not covered by the CDCP. Family income, including any family member’s pension benefits, may also affect your eligibility for the CDCP.
What Dental Services Are Covered by the CDCP?
The CDCP typically covers preventive and basic services. These include:
- Preventive care like cleanings and exams
- Fillings for cavities
- Extractions when necessary
- Dentures
- Restorative services like crowns and posts
- Basic oral surgery services
- Orthodontic services (introduced in 2025)
However, wellness accounts or health and wellness accounts provided by your employer may also offer added coverage for treatments not included in the CDCP. Note that there are still strict criteria for some of these treatments as well.
For a detailed list of all covered services, click here.
FAQs
Does CDCP cover root canal treatments?
Yes, in many cases, the CDCP will cover basic treatments like root canals. However, there are limits on how much is covered, and a dental office might charge additional fees beyond what the federal government program provides. Adjusting family net income could also influence how much coverage you receive for treatments like root canals.
Is there free dental care in Canada for seniors or low-income individuals?
In some provinces, there are provincial dental programs that offer free or subsidized care. For example, Ontario has the Ontario Disability Support Program (ODSP) that may provide dental coverage for low-income seniors or those with disabilities.
For those who qualify, federal government social programs can help with basic dental expenses. But keep in mind, these programs typically don’t cover major procedures like implants or orthodontics. Seniors over 65 who don’t qualify for provincial assistance may also consider private insurance plans or check with professional or student organizationsfor discounted care.
Does Canada free healthcare cover dental?
Canada’s free healthcare system covers a broad range of medical services but doesn’t extend to most dental services. While oral surgery (like extractions for medical reasons) may be covered under certain circumstances, routine dental care usually isn’t. If you don’t have an existing dental plan, you might want to consider purchasing insurance to help with dental expenses.
Is it worth to buy dental insurance in Canada?
Whether it’s worth buying dental insurance in Canada depends on your situation. If you have existing dental coverage through work or a family member’s employer benefits, you may already be covered. But if you’re self-employed, retired, or simply want additional protection, buying a dental plan might make sense.
Dental insurance can help reduce out-of-pocket expenses, especially for larger treatments like root canals or partial dentures. However, you should review the dental benefits guide provided by your insurance company to understand exactly what is and isn’t covered.
Does the CDCP cover major treatments like braces or implants?
The CDCP typically doesn’t cover major cosmetic treatments like braces, crowns, or implants. These services often require additional private insurance coverage. If you’re seeking cosmetic or specialized treatments, consider consulting your dental office for recommendations on how to cover the costs.
If you already have an existing dental plan or benefits company, they may offer better coverage for these kinds of treatments. Federal government programs like the CDCP generally aim to improve access to basic dental care, but more complex procedures might not be included.
Can I decline dental coverage and get other coverage instead?
Yes, if you have existing dental coverage from a family member’s employer benefits, you can choose to decline the CDCP coverage, provided that the benefits meet your needs. If you decide to replace your existing dental coverage with something else, be sure to check with your employer or benefits company about any necessary steps.
Is the CDCP coverage limited for low-income families?
For families with low income, the CDCP may provide coverage for more routine services, but it’s important to be aware that there may be remaining eligible Canadian residents who need to seek additional coverage. To determine if you qualify, it’s worth reviewing your adjusted family income and the Canada Revenue Agency guidelines for eligibility.
What is the best dental insurance for people over 65?
The best dental insurance for people over 65 in Canada depends on your needs and location. Some options include:
- CDCP (Canadian Dental Care Plan) – Available for eligible seniors with lower adjusted family net income.
- Provincial Dental Programs – Some provinces offer subsidized care for low-income seniors.
- Private Insurance – Companies like Sun Life, Manulife, and Blue Cross offer plans covering oral health care, including partial dentures and oral surgery services.
- Group Plans – Some retirees keep existing dental coverage through a previous employer or family member’s pension benefits.
Choose Fallowfield Dental As Your CDCP Dentist
Navigating the Canadian Dental Care Plan (CDCP) and understanding what dental services are covered can be a challenge, but it’s essential for maintaining your oral health. Whether you qualify for the CDCP or need to explore private insurance, dental care subsidy, or health Canada programs, taking the time to check your coverage will help you access the care you need.
At Fallowfield Dental, we proudly accept the CDCP and are here to help you every step of the way. If you’re unsure about your coverage or need assistance navigating the federal government program, don’t hesitate to reach out. We’re committed to improving your holistic oral health and making your dental care experience as smooth as possible.
Request an appointment today!