Who Can Qualify for the Senior Dental Help in Canada

Access to dental care is essential for maintaining overall health, especially as we age. Unfortunately, many seniors in Canada have historically struggled to afford dental services due to limited coverage or lack of dental insurance. To address this growing concern, the federal government introduced new support programs to ensure that seniors receive the care they need. If you're looking for a CDCP dentist near you, it's helpful to understand who qualifies for the new senior dental assistance and what the benefits include. Here's everything you need to know.

Why Dental Care for Seniors Matters

Dental health is closely tied to overall wellness. Poor oral hygiene can lead to infections, cardiovascular issues, and even complications with diabetes. Seniors are particularly vulnerable to these conditions due to factors like medication-induced dry mouth, receding gums, and reduced mobility that can make it harder to maintain daily oral hygiene routines.

Unfortunately, many seniors live on fixed incomes, making dental care a lower priority compared to necessities like housing or medication. The lack of public dental coverage has historically left many seniors without proper care, contributing to preventable issues like tooth loss, gum disease, and chronic pain.

What is the Canadian Dental Care Plan (CDCP)?

Launched in 2023 and expanding through 2024–2025, the Canadian Dental Care Plan for seniors is a federal initiative designed to provide low- and moderate-income Canadians with access to dental care. It is administered by Health Canada in partnership with Sun Life as the service provider.

The plan covers a broad range of services, including:

• Preventive care (cleanings, exams, X-rays)

• Restorative care (fillings, root canals)

• Oral surgery (extractions)

• Dentures

• Periodontal care

The CDCP is a game-changer for seniors who previously couldn't afford dental care, particularly those without private insurance or those who fall just above the poverty line but still struggle financially.

Who Qualifies for Senior Dental Help Under the CDCP?

To be eligible for the Canadian Dental Care Plan as a senior (aged 65 and older), you must meet the following criteria:

1. Age: You must be 65 years or older.

2. Income Threshold: Your annual adjusted family net income must be under $90,000.

3. No Other Dental Coverage: You must not have access to private dental insurance, such as employer-sponsored plans or personal dental insurance.

4. Canadian Residency: You must be a Canadian resident for tax purposes.

5. Filed Taxes: You must have filed your income tax return in the previous year, as the government uses tax data to verify income eligibility.

Seniors who meet all the above requirements can apply directly through the Government of Canada website. Upon approval, you’ll receive a welcome package with instructions on how to book your first appointment with a participating provider.

What About Other Seniors with Coverage?

If you're a senior with provincial coverage, such as Alberta's Dental Assistance for Seniors Program, or if you qualify for the Non-Insured Health Benefits (NIHB) Program or Veterans Affairs Canada (VAC), your eligibility may differ. In some cases, you can still be eligible for CDCP if your existing plan doesn't cover certain services. It's important to speak to your provider or consult the government website to confirm what applies to your situation.

Can You Use Private Insurance with CDCP?

No, if you currently have a private plan (such as dental insurance plans in Calgary or elsewhere), you are not eligible for the CDCP—even if your plan has limited benefits or high out-of-pocket costs. However, if your private plan ends before you apply, you may become eligible once it's no longer active.

How Much Will Seniors Pay?

The Canadian Dental Care Plan includes a co-payment model based on your income:

• Income under $70,000: 100% of eligible dental costs are covered.

• Income between $70,000 and $79,999: 60% coverage.

• Income between $80,000 and $89,999: 40% coverage.

These co-payment levels ensure that those with the lowest income get the most support, while still offering significant assistance to moderate-income seniors. Note that dentists may charge additional fees beyond what CDCP covers, depending on their rates and the service provided.

What Dental Services Are Not Covered?

While the CDCP is generous, it does not cover cosmetic procedures like teeth whitening or veneers. Coverage also depends on clinical need—meaning not every procedure is automatically approved. Your provider will need to submit treatment plans for preauthorization in some cases.

When Should Seniors Apply?

Applications opened for seniors aged 87 and older in late 2023 and have continued rolling out in phases. As of now, all seniors aged 65 and older are eligible to apply, regardless of age. If you qualify, it’s best to apply as soon as possible to begin receiving coverage.

Conclusion: Get Help from a Local Dentist

If you're a senior seeking affordable dental care, you're not alone. The new federal program offers vital support to those who need it most. For trusted, compassionate care, consider visiting a dentist in Crescent Heights who understands the CDCP program and can help you navigate it with ease.

Crescent Heights Dental Clinic is proud to support seniors through the Canadian Dental Care Plan. Our friendly and knowledgeable team can answer your questions, assist with your application, and provide top-quality care under the plan. Whether you’re a returning patient or looking for a dental clinic near you that participates in the CDCP, we’re here to help you smile confidently again. Contact us today to book an appointment and take full advantage of your senior dental benefits.