The Canadian Dental Care Plan in Kamloops
Dental care has often been one of the most expensive parts of staying healthy. In Kamloops, plenty of people have put off a cleaning or delayed a repair, not because they didn’t want care, but because the cost held them back. The Canadian Dental Care Plan is changing that.
CDCP started in 2023 covering seniors first, then expanded step by step to children, people with disabilities, and working-age adults. As of the current benefit year, there’s no age restriction left. Any Canadian resident who meets the income and insurance rules can apply, whether you’re 25 or 75.
What Is the Canadian Dental Care Plan?
The Canadian Dental Care Plan (CDCP) is a federal program that helps cover dental costs for Canadians who don’t have private dental insurance. If you live in Kamloops and pay out of pocket for dental care, it’s worth checking whether you qualify.
Who Qualifies
- Have no access to private dental insurance
- Have filed your most recent tax return
- Have an adjusted family net income under $90,000
What You’ll Pay
How much CDCP covers depends on your income:
- Under $70,000: no co-payment, the plan covers eligible services in full
- $70,000 to $79,999: you pay a 40% co-payment
- $80,000 to $89,999: you pay a 60% co-payment
- $90,000 and above: not eligible
What’s Covered?
CDCP focuses on the essentials that keep your mouth healthy:
- Dental exams and cleanings
- X-rays
- Fillings
- Root canals
- Dentures and repairs
- Tooth extractions
It does not cover cosmetic treatments like teeth whitening or veneers, but the goal is to make sure you can chew properly, speak comfortably, and avoid serious oral health issues.
How to Apply
You can apply through your My Service Canada Account online or by calling Service Canada. You’ll need your Notice of Assessment from your last tax return on hand. Once approved, Sun Life sends you a welcome package with your coverage start date. Book your appointment after that date, since care received before it isn’t covered.
Final Thoughts
Not sure if you qualify or want help understanding what your co-pay would look like at your dentist? Riviera Dental Clinic can walk you through it. Call us today if you’re looking for a CDCP-accepting dentist in Kamloops.