Understanding the significance of dental protection in Canada is crucial. It can prevent you from depleting your savings on dental care expenses and ensure you have access to quality dental care when needed.
This protection can be helpful for people who are not eligible for the new Canadian Dental Care Plan. To learn more about CDCP for uninsured Canadian residents, visit the Canadian Dental Care Plan webpage.
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Meaning Of Dental Insurance In Canada
Dental insurance provides comprehensive coverage for various dental care services, including teeth cleaning, dental x-rays, and tests, orthodontics for kids and adults, and bridges, crowns, and dentures. This coverage can give you the confidence that your dental health needs are well taken care of.
Eligibility Conditions
It’s important to note that to be eligible for the Canadian Dental Care Plan, you must meet all four conditions:
- You do not have access to dental insurance: This implies you do not have access to any kind of dental insurance or protection via:
- Your or a relative’s job benefits have to do with health and fitness records.
- An occupational or student organization.
- Your pension benefits or a relative’s pension benefits
- Protection purchased by you or a relative or via a group plan from an insurance or benefits firm
- Your adjusted household net earning is lower than $90,000
- You are a resident of Canada for tax intentions
- You filed your tax income for the past year
To be eligible for the CDCP, you must satisfy all the qualification measures. If you offer untrue details on your application, you and your household may be removed from the plan. If you are not qualified for the CDCP, you may have to pay back the expenses for the services acquired.
When To Make An Application
The Canadian Dental Care Plan is opening in stages. Before making an application, ensure you satisfy all four qualification measures. Review the schedule below to discover when you can make an application.
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Application Schedule
- Aged 65 and above can apply now.
- Adults with an authentic disability tax credit certificate can apply now (began on June 27, 2024)
- Kids below the age of 18 can apply now (starting June 27, 2024)
- Every remaining qualified residents who are not in the groups can apply in 2025
Applying Online
To conclude the application, you will be required to offer the following details for each candidate and your partner:
- Social Insurance Number (if obtainable for kids)
- Birth date
- Complete name
- House and mailing contact
- List of dental protection via administrative and social programs (if relevant)
- You and your partner are required to have filed your tax income for 2023 and have gotten your Notice of Assessment.
When To Visit An Oral Health Provider
Registration Verification And Your Beginning Date
Sun Life oversees the Canadian Dental Care Plan for the Canadian government. When you have made an application and verified that you are eligible, the Canadian government will share your details with Sun Life. They will register you in the CDCP and forward you a welcome package within about three months of your request. It will have to do with:
- Details on the Canadian Dental Care Program
- Your membership card
- Your benefit beginning date (mentioned on your welcome letter instead of your membership card).
To protect your services under the CDCP, you must schedule your appointment only on or after the benefit beginning date attached to your welcome letter. Your benefit beginning date will be based on the following:
- When they receive your request
- When they complete your registrations
Services Protected
The Canadian Dental Care Plan will reimburse you for some expenses for a wide range of oral health care services.
Note: Most services and additional treatments above developed frequency restrictions will need pre-approval by the CDCP. This implies that your provider will suggest treatment, and the CDCP will evaluate whether the treatment will be protected. This pre-authorization will take place before you can get the treatment. The judgment will take into consideration your oral health records and medical ailments. Services and extra treatments needing authorization before time will be obtainable in November 2024.
