As of 27 June 2024, households in Canada with children under 18 may be eligible for the New Canada Dental Care Plan (CDCP).
The Canada Dental Care Plan strives to relieve the financial pressure of reimbursing out of pocket for dental care for people below a specific salary threshold without a personal dental plan, as is usually supplied by job benefits for full-time employees.
The plan is being taken out in stages. Qualified seniors above the age of 65 could make use of the Canada Dental Care Plan beginning in December 2023.
In the second stage, seniors with disabilities and children under 18 may use this plan. This implies that qualified new immigrants will not be required to be reimbursed for their children’s dental care between the ages of 12 and 18. The Canada Dental Benefit has formerly handled children under 12. Every remaining qualified Canadian citizen will be able to use the plan beginning at an undetermined date in 2025.
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Eligibility As A Temporary Resident
Based on Service Canada, any person who desires to use the Canada Dental Care Plan must comply with specific measures. They are required to:
- Not have entry to a dental insurance plan
- Have a shifted household net revenue of lower than $90,000.
- Have filed a tax income in the past year
- Be a Canadian resident for tax plans
This last point implies that temporary residents (individuals in Canada on work or study permits) are qualified if they possess one of the following residency numbers on their most current Notice of Assessment from the Canada Revenue Agency (CRA).
- Qualified Residency Codes: 0,5,8,9,10,12
- Unqualified Residency Codes: 1,2,3,4,7,11,13,15
Sun Life protects Canada’s administration, which will allocate the candidate’s details to the insurance firm. Once registered, Sun Life will forward:
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- Details on the CDCP
- A member card
- A protection beginning date
Service Canada’s website states that as of 8 July 2024, oral health providers can directly bill Sun Life for services offered on assertion grounds without officially signing up for the Canada Dental Care Plan.
This implies that after 8 July 2024, candidates may see any dentist able to bill Sun Life directly. Before this time, customers must visit a dentist who has already agreed to participate in the scheme.
Expense Of Dental Care In Canada
New immigrants are specifically affected by the expense of dental care since they are more likely to work lesser income part-time employment or in “gig” employment that does not provide dental insurance.
As stated in a Statistics Canada report released in March 2024, while part-time job levels were elevated by 113,000 for immigrant employees and 49,000 for temporary international employees, part-time job levels were reduced by 126,000 for Canadian-born employees. Collectively, immigrant employees and Temporary foreign workers more than counteract Canadian-born employees’ movement away from part-time skilled jobs.
Dental care is a healthcare cost not formerly protected by regional or national healthcare plans. This implies that the expense of anything from a usual cleaning and checkup to more developed processes such as a root canal or cap is all reimbursed in whole, either out of pocket by the patient or at least partly via their private insurance.
The expense of a visit to the dentist is naturally associated with a charge guide discharged by a regional association of dentists. Hence, these costs are natural recommendations only, and personal dentists can bill any sum they consider enough. In a statement in May, Deputy Prime Minister Chrystia Freeland pointed out that the Canada Dental Care Plan is anticipated to assist 9 million uninsured Canadian citizens in acquiring dental protection.
