CDCP Eligibility Calculator: Check Your Coverage & Costs Instantly
CDCP Eligibility & Gap Check
Estimated Gap Payments
This table assumes 100% CDCP coverage. If you have 60% or 40% coverage, you will pay your co-payment plus the price difference below.
| Service | Approx. Difference (You Pay) |
|---|---|
| Checkup and cleaning | $45 |
| Filling | $38 - $86 |
| Crown (Needs approval) | $220 - $282 |
| Root canal | $150 - $248 |
| Extraction | $40 - $59 |
| Removable denture (Needs approval) | $245 - $272 |
Not Covered: Implants, Night Guards, Whitening, Cosmetic procedures.
Master Your Smile: A Guide to the Canadian Dental Care Plan (CDCP)
The CDCP is a landmark federal initiative aimed at reducing financial barriers to oral healthcare. By focusing on those without private insurance, the plan ensures that dental care is treated as an essential component of overall health, rather than a luxury.
Key Features of the CDCP:
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Focus on Preventive Care: Coverage for cleanings, sealants, and fluoride to stop problems before they start.
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Diagnostic Services: Full exams and X-rays to monitor your oral health.
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Restorative Services: Includes fillings, root canals, and extractions.
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Major Services: Provisions for dentures and crowns (subject to pre-authorization).
CDCP Qualification: Who is Eligible?
Good news: the program is now fully rolled out! To qualify today, you simply must meet three primary CDCP requirements:
1. You are a Canadian resident for tax purposes.
2. You filed your taxes for the previous year (e.g., 2025 taxes for 2026 coverage).
3. You do not have access to any private dental insurance (through an employer, pension, or spouse).
Canadian Dental Care Plan Income Threshold
The Canadian dental care plan income threshold is the final and most critical factor. To be eligible, your adjusted family net income (Line 23600 on your tax return) must be below $90,000.
Coverage is provided on a sliding scale based on that income:
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Under $70,000: Full CDCP coverage (0% co-payment).
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$70,000 – $79,999: Partial coverage (40% co-payment).
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$80,000 – $89,999: Partial coverage (60% co-payment).
Tip: If you haven’t already, use the calculator at the top of this page to see exactly how these co-pays translate to out-of-pocket gap payments for common treatments like fillings and cleanings!
Frequently Asked Questions
Managing multiple plans
If you have any form of private insurance, you generally do not qualify for the CDCP. This avoids redundancy and ensures resources are directed to those with no other options.
Who is eligible for CDCP?
To be eligible, you must be a Canadian resident, have filed a tax return for the previous year, and have no access to private dental insurance. Additionally, your adjusted family net income must be strictly under $90,000 per year.
What is the income limit for Canada dental benefit?
The maximum income limit to qualify for the CDCP is an adjusted family net income of $89,999. If your family income is $90,000 or higher, you are not eligible for the plan. Full coverage of eligible CDCP fees is provided for those earning under $70,000, while those earning between $70,000 and $89,999 will have a co-payment. Our calculator above can provide an instant breakdown of your expected coverage levels!
Does CDCP replace my existing coverage?
The CDCP is designed to complement existing coverage, not replace it. It addresses significant gaps left by provincial plans, which often only cover children or emergency cases for low-income residents. By integrating with the broader healthcare system, the CDCP ensures that everyone receives consistent, high-quality care.
What dental clinic in Toronto accepts CDCP?
Little Green Building is a premier dental clinic in Toronto that proudly accepts CDCP patients. Located in the Bloor West and High Park area, we provide a welcoming, eco-friendly environment where we handle the CDCP claims for you, making your visit entirely stress-free.
Call us today or book an appointment online to get started!