Dental Benefits

Understanding Dental Insurance in Canada

Access to dental care in Canada is supported through a combination of private and public coverage, and the availability and type of coverage you have can vary depending on where you live and your personal circumstances.

Public and Private Coverage

Unlike medical care, which is publicly funded under Canada’s universal health care system, most dental services are not covered through provincial or territorial health insurance plans. Instead, Canadians typically rely on a mix of private insurance plans and public programs designed for specific populations.

Private dental insurance is most often provided through employers or group benefit plans, though individuals may also purchase their own coverage. These plans typically help offset the costs of routine dental care, such as checkups, cleanings, fillings, and certain restorative or specialty procedures, depending on the plan’s terms.

Public dental programs are available in some provinces and territories to support eligible populations, which may include children, seniors, people with disabilities, or those with low incomes. The scope of services and eligibility criteria differ by jurisdiction, and programs are administered through provincial, territorial, or municipal health authorities.

The Canadian Dental Care Plan (CDCP)

The Canadian Dental Care Plan (CDCP) is a federal program designed to expand access to oral health care for Canadians who do not have private dental insurance. The program is being phased in gradually, with eligibility based on household income and other criteria set by the Government of Canada.

The CDA continues to advocate for improvements to the CDCP to ensure it works effectively for both patients and providers—including measures to reduce administrative complexity and ensure fair reimbursement for dental services.

For the most current information on eligibility, enrolment, and covered services, visit the CDA’s Canadian Dental Care Plan webpage.