CDCP and Saberton

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Resources

March 15, 2024

Saberton is proud to be one of the first and leading denture and oral care providers to service patients on the new Canadian Dental Care Plan (CDCP). The CDCP aims to deliver affordable, accessible, and essential oral health care services to eligible Canadians.

What is the Canadian Dental Care Plan (CDCP):

Launched in December 2023, the Canadian Dental Care Plan (CDCP) provides dental care coverage to Canadian residents with an adjusted family net income below $90,000/year and who lack access to private dental insurance. The CDCP will affect up to 9 million Canadian residents and aims to help ease financial barriers to accessing oral health care services. It will provide coverage to eligible Canadian residents, who currently do not have access to dental insurance. 

What Does CDCP Cover?

CDCP will cover a vast array of oral care services, from regular cleaning to dentures, to advanced surgeries such as extractions. Saberton provides many services included in CDCP benefits, to inquire more about services you need please book a free consultation with us here.

Further, Saberton partners with local dentists to ensure our patients get the care they need even if we do not provide these services ourselves.

Please Note: Some oral health care services will require preauthorization. These treatments and/or services take into consideration an individual’s oral health history and medical conditions. Services requiring preauthorization will become available in November 2024.

The CDCP will only pay for oral health care services covered within the plan at the established CDCP fees. People covered under the CDCP may have to pay any additional charges.

How Much Does CDCP Cover?

The CDCP will reimburse a percentage of the cost, based on established CDCP fees and your adjusted family net income. You may have to pay additional charges if:

  • Your adjusted family net income is between $70,000 and $89,999, in which there is a co-pay
  • If the fees are more than the established CDCP fees

To get a quote on the services you require please book a free consultation with us here.

Saberton as a registered provider of the CDCP and can electronically submit your treatments and services costs to Sun Life. Co-payments (if applicable) must be paid by the patient separately.

You may have a co-payment based on your adjusted family net income.

A co-payment is the percentage of the CDCP fees that isn’t covered by the CDCP.

Your co-payment is based on your adjusted family net income.

Adjusted Family Net Income How Much Will the CDCP Cover Estimated Cost to You
Lower than $70,000 100% of eligible oral health care service costs will be covered at the CDCP established fees. 0% of the CDCP established fees. You may face additional charges as described below.
Between $70,000 and $79,999 60% of eligible oral health care service costs will be covered at the CDCP established fees. 40% of the CDCP established fees. You may face additional fees as described below.
Between $80,000 and $89,999 40% of eligible oral health care service costs will be covered at the CDCP established fees. 60% of the CDCP established fees. You may face additional fees as described below.

Contact us to learn more or schedule a free consultation

Eligibility:

Disclaimer: The CDCP is a new program that is constantly evolving. Eligibility information below is based on the latest public information at the time of posting, it is meant to represent true government eligibility nor is it binding. For the latest criteria please visit the official Canadian Government website.

Eligible individuals will receive a letter inviting that individual to apply for the program. Once enrolled, eligibility will be verified annually. However, one does not need the letter to apply.

If you are already enrolled in CDCP and would like to schedule an appointment, you can book a time here.

Age:

CDCP officially launched in December 2023, starting with the eldest populations:

Age Group Application Start Date
87+ December 1st, 2023
77-86 January 1st, 2024
72-76 February 1st, 2024
70-71 March 1st, 2024
65-69 May 1st, 2024
18+ With valid Disability Tax Credit Certificate June 1st, 2024
Children Under 18 June 1st, 2024
Remaining 18+ Canadian Residents 2025, exact date TBA

Income Criteria:

Applicants must have an adjusted family net income of less than $90,000. This is calculated by subtracting universal child care benefits (UCCB) and registered disability savings plans (RDSP) from net income exclusive of amounts repaid for those programs.

In order to determine eligibility, all employers and pension plan administrators must include on T4 and T4A income tax forms whether the individual or members of their family had access to dental insurance benefits for the reporting tax year.

On the T4 form, this will be box 45, and on the T4A form it will be box 015, both of which will specify a code to indicate the scope of coverage available to the individual.

Lack of Other Coverage:

In order to be eligible, applicants must have no other dental insurance coverage. However, having coverage through provincial/territorial or federal governments plans such as ODSP is acceptable and will not disqualify applicants.

Canadian Residency:

To be accepted, applicants must be a Canadian resident, and must have filed a tax return the year preceding coverage in the program.

How Can I Apply to CDCP?

If you believe you are eligible for CDCP enrolment you must submit an application directly to Service Canada online. You can start the process on the government website here.

Enrolment Confirmation:

CDCP is managed by Sun Life on behalf of the Government of Canada.

Once you’ve applied and been accepted under CDCP, Service Canada will share your information with Sun Life, who will then formally enroll you in the CDCP. Sun Life will send you a "your member card" and membership number and your coverage start date. Once you are enrolled, find out more on Sun Life’s CDCP members page.

When Can I Start Using Services?

The welcome package from Sun Life will include the date you can start seeing an oral health provider. Treatment can be reserved in advance, but can only be scheduled on or after the eligibility date to be covered under CDCP.

Saberton care plan always starts with a free consultation with our denturists.

You may schedule and visit us for this free consultation at any time during your CDCP application process. Once our team creates your treatment plan based on the initial visit all further treatment dates have to occur after your eligibility date.

Once you have your approval and Sun Life coverage card Saberton will confirm your next appointment for treatment.

For the latest public information on CDCP please visit the Government of Canada website.

Schedule a free Consultation with us

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