Can the CDCP replace my existing dental coverage through work or school?
No, the CDCP is designed for Canadian residents who do not have dental benefits and have an adjusted family net income of less than $90,000 per year.
Who is not eligible for the CDCP?
- Those with employer-provided benefits, including health and wellness accounts (for themselves or family members)
- Those with coverage through professional or student organizations
- Those with pension benefits (for previous employers or family members), unless retired before December 11, 2023, and unable to opt back in under pension rules
- Those with privately purchased coverage or through group plans from insurance or benefits companies
**Important:** Even if you have access to dental benefits through employment or an organization and choose not to use that coverage, you are still ineligible for the CDCP.
Employers are now required by the Canada Revenue Agency to report dental insurance coverage on T4/T4A forms, ensuring transparency for employees and their families.
Dr. Nahida Kazi emphasizes the importance of evaluating your existing coverage before considering CDCP enrollment. Cancelling current coverage could lead to unforeseen costs, as CDCP care may involve co-payments depending on your income level.
For comprehensive eligibility details, visit canada.ca/dental.