Canadian Dental Care Plan Eligibility Calculator
Screen all four federal requirements and see the coverage band tied to adjusted family net income.
Generally family line 23600 amounts, adjusted for UCCB and RDSP income or repayments.
Eligibility screen
All four metCDCP fee coverage
100%Your co-payment
0%The four core requirements are selected
What this estimate includes
The income bands apply to established CDCP fees: below $70,000 the plan pays 100%; from $70,000 to $79,999 it pays 60%; from $80,000 to $89,999 it pays 40%.
Existing dental coverage through a provincial, territorial or federal social program does not necessarily prevent CDCP eligibility because benefits may be coordinated. Private insurance access is a separate rule.
Questions this calculator answers
What income qualifies for the Canadian Dental Care Plan?
Adjusted family net income must be less than $90,000. It also determines whether the CDCP pays 100%, 60% or 40% of established CDCP fees.
Can I qualify if I opted out of workplace dental insurance?
Generally no. Access to private dental coverage can make you ineligible even if you opt out, subject to a narrow pre-December 11, 2023 retirement exception.
Does 100% coverage mean every dentist bill is free?
No. It means 100% of eligible services at established CDCP fees. A provider may charge above those fees, and non-covered services remain payable.
Related Calculators
Canada Child Benefit
CCB amount based on AFNI and number of children
CCB shared custody
Separate 50% calculations for each parent household
CCB July recalculation
Compare June and July after the base-year income switch
CCB payment dates
Every scheduled 2026 CCB deposit date
All calculators
Browse all catax.tools benefits tools