Canadian Dental Care Plan (CDCP): 5 Common Misconceptions You Should Know

With the expansion of the Canadian Dental Care Plan (CDCP) continuing into 2025, many Canadians are asking how it works and whether private dental or health insurance is still necessary.

At Aeva, we believe it is. But before we explain why, let’s take a closer look at some common misconceptions about the CDCP so you can understand what it does, what it doesn't do, and how it fits into your overall coverage needs.

Misconception 1: All Canadians are eligible for the CDCP

This is not the case. While the program is expanding, eligibility is still limited.

In 2025, the following groups can qualify:

• Seniors aged 65 and older
• Children under the age of 18
• Adults who qualify for the Disability Tax Credit
• Adults aged 18 to 64, beginning May 2025

However, to qualify, your adjusted family net income must be under $90,000. This figure is based on your total family income, minus certain benefits such as the Universal Child Care Benefit (UCCB) and any income from a Registered Disability Savings Plan (RDSP).

In addition to meeting the income threshold, you must:

• Be a Canadian resident
• Have filed a tax return for the previous year
• Not have access to dental insurance through work, a pension, or an individual plan

Even if you choose not to use your existing dental coverage, you are still considered ineligible for the CDCP.

Misconception 2: All dentists accept the CDCP

Participation in the CDCP is voluntary. Dental providers can choose whether or not to register with the plan or submit claims on a case-by-case basis.

As a result, not all dentists accept patients under the CDCP. If you are planning to use these benefits, you should contact your dental provider in advance to confirm whether they participate in the program.

Misconception 3: The CDCP covers all dental services

The CDCP includes coverage for a range of preventive and basic services. However, some procedures require prior approval, and others may only be covered once per year or every few years.

Coverage for major dental work such as crowns, dentures, and root canals may be limited or excluded. Before starting treatment, it is a good idea to check the official benefit list or speak with your provider.

Misconception 4: Enrollment is automatic

You must apply in order to access CDCP benefits. Eligibility is reviewed each year, and applications can take up to three months to process.

Applications can be submitted online or by phone through Service Canada. Since approval is not instant, it is important to plan ahead and apply before you need dental care.

Misconception 5: The CDCP pays for everything

The CDCP does not always cover 100 percent of your dental costs. The government sets fixed fees for services, and your dentist may charge more than these amounts.

You may be responsible for paying the difference. Additionally, coverage levels are based on income. For example, households earning less than $70,000 may receive more support than those earning closer to the $90,000 limit.

Why private health and dental insurance still matters

The CDCP is a valuable program, especially for Canadians who currently lack dental coverage. However, it does not cover every need and not everyone is eligible.

If you are not eligible, or if you want more flexibility when choosing a provider or accessing a wider range of services, a personal health and dental plan can help fill the gaps.

At Aeva.ca, you can quickly compare health and dental insurance plans from Canada’s leading providers. Many plans offer flexible coverage options, including:

• Dental care
• Prescription drugs
• Vision care
• Paramedical services (such as massage or physiotherapy)
• Travel insurance

You can customize your plan to match your lifestyle, budget, and health needs. Whether you want basic protection or more comprehensive coverage for yourself and your family, Aeva makes it easy to find the right fit.

Visit Aeva.ca today to explore your options and find a plan that works for you.