The Canadian Dental Care Plan (CDCP) can help eligible Canadians pay for eligible oral health services. For patients looking for CDCP information in Bradford, Hola Dentistry helps explain eligibility, co-payments, covered services, preauthorization requirements, and billing before treatment begins.
This guide explains how the CDCP works in 2026, what the current income-based co-payment levels mean, which dental services may be covered, and what to prepare before booking an appointment. Coverage depends on your current eligibility, the service being provided, CDCP frequency limits, applicable established fees, and whether preauthorization is required.
Information checked August 18, 2026: CDCP program rules, fees, eligibility requirements, and service limits can change. Patients should confirm their current eligibility and coverage before treatment.
How Does the CDCP Work in Bradford in 2026?
The Canadian Dental Care Plan is a federal program that helps eligible Canadians with the cost of covered oral health services. Dental providers submit eligible CDCP claims directly for payment, while members may still have a co-payment or other charges depending on family income, the CDCP established fee, the provider's fee, and the services received.
CDCP established fees are set independently from provincial and territorial dental fee guides. This means the amount reimbursed by the CDCP may not always be the same as the amount charged by a dental office.
2026 CDCP Co-Payment Levels
| Adjusted Family Net Income | CDCP Portion | Member Co-Payment |
|---|---|---|
| Under $70,000 | The CDCP covers 100% of eligible oral health care service costs at the CDCP established fees. | 0% co-payment of the CDCP established fees. Additional charges may still apply. |
| $70,000 to $79,999 | The CDCP covers 60% of eligible oral health care service costs at the CDCP established fees. | 40% co-payment of the CDCP established fees. Additional charges may still apply. |
| $80,000 to $89,999 | The CDCP covers 40% of eligible oral health care service costs at the CDCP established fees. | 60% co-payment of the CDCP established fees. Additional charges may still apply. |
| $90,000 or more | The applicant does not meet the CDCP income requirement. | Not eligible based on the adjusted family net income requirement. |
The CDCP covers 100% of eligible oral health care service costs at the CDCP established fees.
0% co-payment of the CDCP established fees. Additional charges may still apply.
The CDCP covers 60% of eligible oral health care service costs at the CDCP established fees.
40% co-payment of the CDCP established fees. Additional charges may still apply.
The CDCP covers 40% of eligible oral health care service costs at the CDCP established fees.
60% co-payment of the CDCP established fees. Additional charges may still apply.
The applicant does not meet the CDCP income requirement.
Not eligible based on the adjusted family net income requirement.
Important: A 0% co-payment does not always mean there will be no amount to pay. Additional charges may apply if the dental office fee is higher than the CDCP established fee or if you choose a service that is not covered by the plan.
Who Is Eligible for the Canadian Dental Care Plan?
To qualify for the CDCP, applicants must meet all four current federal eligibility requirements:
- No Access to Private Dental Insurance or Coverage: You cannot have access to private dental coverage through work, a pension plan, a family member's work or pension plan, a professional or student organization, or privately purchased dental insurance. Certain limited exceptions may apply.
- Canadian Tax Returns Filed: You and your spouse or common-law partner, if applicable, must have filed the required Canadian tax returns so family income can be assessed.
- Adjusted Family Net Income Below $90,000: Your adjusted family net income must be less than $90,000.
- Canadian Residency for Tax Purposes: You and your spouse or common-law partner, if applicable, must be Canadian residents for tax purposes.
CDCP eligibility must be confirmed regularly. Having coverage through certain federal, provincial, or territorial social dental programs does not necessarily prevent you from qualifying because coordination of benefits may apply.
What Dental Services Can the CDCP Cover?
The CDCP covers a range of oral health services when the service is eligible under the plan and recommended by an oral health provider. Some services are covered without preauthorization, while others require approval before treatment. Frequency limits and other CDCP criteria may also apply.
1. Dental Cleanings and Preventive Care
Eligible preventive and periodontal services can include scaling, polishing, fluoride treatments, sealants, and other preventive care. Coverage depends on age, frequency limits, and the specific service provided. Additional scaling or root planing beyond standard limits may require preauthorization.
2. Dental Exams and X-Rays
The CDCP covers eligible dental examinations and diagnostic x-rays subject to its frequency limits and clinical requirements. Your dentist determines which examinations or images are appropriate for your individual oral health needs.
3. Restorative Dental Care
The CDCP covers eligible restorative care such as permanent and temporary fillings. If you need a filling, you can also learn more about dental fillings in Bradford. Certain major restorative procedures, including crowns, require preauthorization.
4. Root Canal Treatment
Eligible endodontic services can include root canal treatment and procedures used to manage infection or pain in a tooth. Some services, including certain retreatments, require preauthorization.
5. Oral Surgery and Tooth Removal
Covered oral surgery services can include removal of teeth and roots and other eligible surgical procedures. Coverage depends on the procedure, CDCP criteria, and whether preauthorization is required.
6. Removable Dentures
The CDCP covers eligible complete and partial removable denture services. Preauthorization requirements and frequency limits vary by denture type. Implant-supported dentures and implant-related procedures are not covered by the CDCP.
How to Use Your CDCP Coverage at Hola Dentistry
If you have active CDCP coverage and want to book dental care in Bradford, the following steps can help you prepare for your appointment:
- Confirm Your Current Coverage: Check that your CDCP coverage is active for the date of your appointment and keep your current membership information available.
- Book Your Dental Appointment: Book an appointment with Hola Dentistry and let the team know that you are a CDCP member so the appropriate coverage information can be reviewed.
- Review the Recommended Treatment: After an examination, the dentist can explain the treatment being recommended. The administrative team can also discuss available fee and coverage information before you proceed.
- Check Whether Preauthorization Is Required: Some services require CDCP preauthorization before coverage can be confirmed. Approval of a preauthorization request does not guarantee reimbursement if eligibility, coverage rules, or fees change before the date of service.
- Claims Are Submitted by the Dental Provider: For eligible CDCP services, the dental provider submits the claim directly for payment. You may be responsible for your applicable co-payment and any additional charges not covered by the plan.
Frequently Asked Questions About the CDCP in Bradford
When should I see a dentist for tooth pain if I have CDCP coverage?
Persistent or worsening tooth pain, sensitivity, swelling, or pain when biting should be assessed by a dental professional. The CDCP covers eligible diagnostic examinations and x-rays subject to its coverage rules and frequency limits. A dentist can examine the cause of your symptoms and explain the appropriate treatment options.
Does the CDCP cover teeth whitening, veneers, or orthodontic treatment?
Cosmetic services such as teeth whitening and porcelain veneers are not listed among covered CDCP services. As of August 2026, orthodontic services are also not yet available through the CDCP. The Government of Canada states that a specific range of orthodontic services will become available at a future date and will require preauthorization.
How often does the CDCP cover dental cleanings?
There is not one universal cleaning schedule for every CDCP member. Coverage depends on the specific service, the patient's age, and the applicable frequency limits. For example, the CDCP Dental Benefits Guide sets limits for scaling, polishing, fluoride, and other preventive or periodontal services. Additional periodontal treatment beyond standard limits may require preauthorization.
Can I still have out-of-pocket costs with the CDCP?
Yes. Depending on your adjusted family net income, you may have a CDCP co-payment. You may also have additional charges if the dental office fee is higher than the CDCP established fee or if you agree to receive a service that is not covered by the CDCP.
Current CDCP information: For the latest federal eligibility, coverage, co-payment, service, and preauthorization rules, review the Government of Canada CDCP coverage information and CDCP eligibility requirements.
Book a CDCP Dental Appointment in Bradford
If you have active Canadian Dental Care Plan coverage and need dental care in Bradford, Hola Dentistry can help you review your appointment needs, discuss the treatment recommended by your dentist, and provide available information about CDCP billing and coverage.
Coverage and patient costs depend on your current eligibility, the services provided, applicable CDCP established fees, co-payments, and any additional charges.
Book an Appointment