CDCP Dental Benefits Guide_ Your Key to Understanding Coverage

1. CDCP Dental Benefits Guide: Your Key to Understanding Coverage Dental care costs can be a significant concern for many Canadians, especially those without private insurance. To help reduce financial barriers, the Government of Canada introduced the Canadian Dental Care Plan (CDCP). This national program is designed to make essential dental treatments more affordable for eligible individuals and families. At Square One Health Group, we are committed to helping patients navigate their CDCP benefits and access quality dental care without stress. What Are CDCP Dental Benefits? The Canadian Dental Care Plan (CDCP) is a federally funded initiative aimed at Canadians without access to private dental insurance. It primarily supports individuals and families with an adjusted net income below $90,000. While CDCP does not cover all dental expenses, it helps cover a significant portion of costs based on income, making dental care more accessible. What Services Are Covered Under the CDCP? CDCP coverage is based on the official fee guide, but dental clinic charges may vary. If a dentist’s fees exceed the CDCP rate, you may need to pay the difference, known as balance billing. Below is a detailed breakdown of the services included: Diagnostic and Preventive Care Preventive dental care is essential for maintaining oral health and preventing serious problems. The CDCP covers routine dental exams, emergency assessments, X-rays, professional cleanings, fluoride treatments, and preventive measures such as dental sealants. These services help detect early issues, such as tooth decay or gum disease, before they become severe. Basic Restorative Treatments

2. CDCP includes coverage for basic restorative treatments, such as temporary and permanent fillings, cracked tooth repair, and pain management related to cavities. These treatments restore functionality, prevent infection, and maintain the structure of your teeth. Endodontic (Root Canal) Care For teeth with infected or inflamed roots, the CDCP covers root canals, pulpectomies, and related procedures. Some advanced treatments, like complex molar root canals or root-end surgeries, may require pre-authorization. Periodontal (Gum) Care Healthy gums are vital for overall oral health. CDCP covers scaling and root planing, infection control, and non-surgical periodontal therapies. Advanced gum surgeries may also be covered, but usually require pre-approval. Primary Restorative Services and Prosthodontics For teeth that cannot be restored with fillings alone, the CDCP provides coverage for major treatments such as crowns, posts, and dentures. Full or partial dentures, denture relines, repairs, and adjustments are also included. Many of these higher-cost procedures require pre-authorization. Oral Surgery CDCP covers surgical procedures such as simple and complex tooth extractions, removal of fractured or impacted teeth, and treatment of cysts or oral infections. These services address serious oral health issues and help relieve pain. Sedation and Anesthesia To support patient comfort, the CDCP covers minimal sedation, including nitrous oxide. Advanced sedation methods or general anesthesia may also be included, but typically require prior approval.

3. Limited Orthodontic Coverage Starting in late 2025, the CDCP will include limited orthodontic coverage for medically necessary cases only. Cosmetic or elective orthodontic treatments, such as braces for minor alignment issues, are not covered. How Much Do You Pay Under the CDCP? Your out-of-pocket costs depend on your adjusted family net income: ● Under $70,000 → No co-payment ● $70,000–$79,999 → 40% co-payment ● $80,000–$89,999 → 60% co-payment If a dentist charges more than the CDCP fee guide, you may also be responsible for the additional cost. Who Is Eligible for the CDCP? To qualify, you must meet the following conditions: ● Be a Canadian resident for tax purposes ● Have no access to private or employer-provided dental insurance ● Have filed an income tax return for the previous year ● Have an adjusted family net income below $90,000 Even if you do not use workplace dental benefits, having access to them makes you ineligible for the CDCP. How to Apply for the CDCP Applications are submitted through the Government of Canada’s online portal. You will need your Social Insurance Number (SIN), date of birth, address, contact information, and the most recent tax return. If applicable, you may also need details about your spouse or common-law partner.

4. After submission, your application will be reviewed. If approved, you’ll receive a CDCP benefits card and instructions for using your coverage. Some applicants may be asked to provide additional documentation for verification. Finding a CDCP Dental Provider Once approved, you can start using your benefits. Options for finding a participating dentist include: ● Searching by postal code, clinic name, or specific services ● Calling local dentists to confirm participation and direct billing Not all dental clinics accept CDCP, so it is important to verify before booking an appointment. Tips to Make the Most of Your CDCP Benefits The Canadian Dental Care Plan is an excellent resource for Canadians seeking affordable dental care. By understanding what the plan covers, which procedures require pre-authorization, and the potential out-of-pocket costs, you can make informed decisions and maintain good oral health. Contact us for more information. The CDCP is an excellent resource to maintain oral health affordably. Square One Health Group is here to guide you through your benefits, ensuring you receive the care you need with clarity and confidence. Frequently Asked Questions Does the CDCP make dental care free? No. Coverage is partial and depends on your income level. Can I use CDCP if I have private insurance? No. CDCP is only available to those without private dental coverage.

5. Do all dentists accept CDCP? No. Participation varies, so always confirm before booking. Will I know my costs before treatment? Yes. Your dentist should provide a breakdown of covered and non-covered fees before starting any procedures. Are cosmetic treatments included? No. Procedures like teeth whitening, veneers, or elective orthodontics are not covered.