Access to dental care is an essential part of overall health, yet many low-income families across Canada struggle to afford routine checkups, fillings, and preventive care. To help bridge this gap, the Government of Canada introduced the Canadian Dental Care Plan — a national program designed to improve access to oral health services for individuals and families who may not otherwise be able to pay for treatment.
If you’re a low-income household wondering whether you qualify for free or reduced-cost dental care under the CDCP, this guide will walk you through everything you need to know: eligibility rules, coverage details, how to apply, and what to expect at your dental appointment.
What Is the Canadian Dental Care Plan (CDCP)?
The CDCP is a federally funded dental benefit aimed at helping Canadians who do not have private dental insurance. Its primary goal is to make dental care more accessible, especially for people with lower incomes, seniors, children, individuals with disabilities, and families who have avoided dental visits because of cost.
The plan provides varying levels of coverage depending on household income. For many low-income families, the CDCP can offer full or nearly full coverage for common dental services.
Do Low-Income Families Qualify for Free Dental Care Through the CDCP?
Yes — many low-income households may qualify for free dental care or significant cost reductions through the CDCP. Eligibility is based mainly on three criteria:
1. Household Income
Your family’s adjusted net income determines how much coverage you receive:
Household Income (Adjusted Family Net Income) | What You Pay |
Less than $70,000 | You may receive full coverage with no co-pays |
$70,000 – $79,999 | You may pay a small co-pay |
$80,000 – $89,999 | You may pay a higher co-pay |
$90,000 or more | Not eligible for CDCP |
For low-income families, especially those earning under $70,000, the CDCP can act very much like free dental care, with the government covering the majority of treatment costs.
2. No Access to Private Dental Insurance
To qualify, no one in your household should have private dental coverage through:
- An employer plan
- A school or student plan
- A group insurance plan
- A personal dental insurance plan
If you have government coverage (NIHB, disability benefits, provincial programs), you may still be eligible—as long as it is not considered private insurance.
3. Canadian Residency Requirements
Applicants must:
- Be a resident of Canada for tax purposes
- Have filed a tax return for the previous year
- Possess a valid SIN (Social Insurance Number)
What Dental Services Are Covered for Qualifying Low-Income Families?
The CDCP covers a wide range of services, although each case is assessed based on clinical necessity. Common services include:
Preventive Care
- Dental exams
- Cleanings
- Scaling
- Polishing
- Fluoride treatment
- X-rays
General Dentistry
- Fillings
- Extractions
- Emergency dental care
Children’s Dentistry
- Protective sealants
- Space maintainers
Restorative Services (with approval)
- Dentures
- Crown repairs
- Root canals (select cases)
Some specialized treatments may require pre-authorization, especially higher-cost procedures. The goal is to ensure that families receive the care they need without unnecessary financial burden.
Also read: Is CDCP Free for Seniors, Children and Low-Income Families?
How Much Will Low-Income Families Have to Pay?
For families earning under $70,000, dental care through the CDCP may be completely free, depending on the treatment. For those in slightly higher income brackets, small co-payments may apply.
Understanding Co-Payments
If you fall into the co-pay category:
- You may pay 0–40% of the CDCP-approved fee
- Your dentist will bill Sun Life (the CDCP administrator) directly when possible
- Any balance beyond the CDCP fee guide is your responsibility
The exact amount varies by treatment and the dental provider’s fees.
How to Apply for CDCP as a Low-Income Family
Applying is simple and can be completed online or via phone.
Steps to Apply
- Confirm eligibility based on income and insurance status.
- Gather documents such as your SIN, income information, and tax filings.
- Apply through Canada.ca or by calling the official CDCP service line.
- Wait to receive your CDCP welcome package and coverage start date.
- Book your appointment with a CDCP-participating dentist.
Choosing the Right Dentist: Why CDCP Participation Matters
Although the CDCP is a national program, not all dentists in Canada participate in it. Choosing a clinic that understands the program ensures proper coverage, seamless billing, and minimal out-of-pocket expenses for your family.
At Hakeem Dental, we understand how important it is for low-income families to access reliable, compassionate dental care. As a trusted CDCP dentist in Brampton, we proudly support the Canadian Dental Care Plan and offer an easy, patient-friendly experience for those using the program. Our team stays up to date with CDCP guidelines, works closely with Sun Life for direct billing, and helps families understand what treatments are fully or partially covered.
What to Expect at Your First CDCP Dental Appointment
When you visit a CDCP-approved dentist, your experience will be similar to any routine dental appointment. Here’s what typically happens:
1. Coverage Verification
Your dental office will verify your CDCP eligibility and inform you about any expected co-pays.
2. Oral Health Assessment
This includes:
- Dental exam
- X-rays (if required)
- Review of your overall oral health
- Discussion of treatment needs
3. Treatment Planning
Your dentist will outline:
- Which treatments are covered
- Which require pre-authorization
- Any potential out-of-pocket costs
- A long-term oral health plan for your family
4. Direct Billing
Most CDCP-approved clinics bill Sun Life directly, reducing paperwork and ensuring a smooth experience for patients.
How CDCP Helps Low-Income Families Stay Healthy
For many Canadians, dental care is a luxury rather than a basic health need. Delayed treatment often leads to:
- More serious dental problems
- Higher treatment costs
- Tooth loss
- Difficulty eating or speaking
- Impact on children’s school performance
The CDCP helps break this cycle by making essential oral care affordable and accessible. Families can stay on top of their dental health without worrying about financial barriers.
Ready to Access CDCP Dental Care in Brampton?
If you believe your family may qualify for subsidized or free dental treatments under the CDCP, scheduling an appointment with a participating dentist is the next best step.
We are committed to making dental care easy, affordable, and stress-free for every patient. Our team is here to help you understand your CDCP coverage, navigate co-pays, and receive the preventive and restorative care your family needs.
Book your appointment at Hakeem Dental Group today and start your journey toward healthier smiles for the whole family.
