Canadian Dental Care Plan (CDCP) Calculator
Check your eligibility and estimate your sliding scale co-payment for dental services in Canada.
The CDCP provides dental coverage for Canadian residents who lack private dental insurance and have a family net income below $90,000. You must renew your coverage every year between April 15 and June 1 to maintain enrollment. If your dentist charges above the CDCP fee schedule, you must pay the difference out-of-pocket.
CDCP Eligibility Calculator
CDCP Rules & Co-payments
The Canadian Dental Care Plan is designed to cover a wide variety of services (cleanings, exams, fillings, root canals, and dentures). However, you must be aware of the following financial rules:
- The Co-Payment Rule: Depending on your net income, you may have to pay a percentage of the service fee yourself. If your income is between $70k–$80k, you pay 40%. If it is between $80k–$90k, you pay 60%.
- Additional Fee Billing: Dentists are not forced to charge the exact federal CDCP fee grid. If your provider's rates are higher than the CDCP fee schedule, you must pay the difference out-of-pocket. Always ask your dentist if they accept CDCP rates before treatment.
- Annual Re-Filing Requirement: Eligibility is reassessed every year. The CRA will check your tax filings to re-evaluate your household income automatically, but you must renew online.
CDCP Sliding Scale
| Family Net Income | Co-Pay |
|---|---|
| Below $70,000 | 0% |
| $70,000 – $79,999 | 40% |
| $80,000 – $89,999 | 60% |
| $90,000 & Above | Ineligible |
Private Insurance Trap
If you have access to dental benefits under a pension or your spouse's employer plan, you are not eligible for the CDCP. It is strictly a safety net for individuals who have no other coverage options available to them.