Canada Dental Care Plan
40% to 100% of eligible CDCP fees
CDCP covers 100% below $70,000 AFNI, 60% from $70,000–$79,999, and 40% from $80,000–$89,999, subject to plan fees and coverage rules.
Official sourceDental, health & pharmacare module
Canada Dental Care Plan, Health Coverage & Pharmacare
Check public dental and medication coverage without treating insurance reimbursement as a cash benefit. Coverage depends on eligible services, established fees, income and province or territory.
Programs and possible benefits
Amounts are dated official maximums, not a personal estimate or promise of payment.
National pharmacare agreements
Covered products vary by participating province
Current agreements cover listed contraception and diabetes medications and products in participating jurisdictions.
Official sourceProvincial drug programs
Deductibles and coverage vary
Each province or territory sets its own eligibility, formulary, deductible and coordination rules.
Official sourceCore requirements
The guide asks more specific questions based on the program and your province or territory.
- For CDCP, have no access to private dental insurance or coverage.
- File required Canada tax returns and have adjusted family net income below $90,000 for CDCP.
- Be a resident of Canada for tax purposes for CDCP.
- For medication coverage, live in a participating jurisdiction and meet its program-specific rules.
Frequently asked questions
Does CDCP mean every dental bill is free?
No. Co-payments may apply, CDCP fee schedules may be lower than provider charges, and some services require preauthorization or are not covered.
Can I qualify if I chose not to enrol in workplace dental insurance?
Generally no. CDCP assesses access to private coverage, even if you declined or have not used it, subject to a narrow pension-plan exception.
Is pharmacare identical across Canada?
No. Coverage currently depends on federal agreements and provincial or territorial programs and formularies.
Ready to check which programs fit your situation?
Open the module guide for source-by-source screening.