Affordable dental care is no longer a dream for millions of Canadians. With the expansion of the Canadian Dental Care Plan (CDCP) in 2025, adults between the ages of 18 and 64 now have access to essential oral health services. This expansion marks a major step toward bridging the gap in dental care access, especially for low- and middle-income individuals.
In this blog, we’ll walk you through everything you need to know about the Canadian Dental Care Plan for adults in 2025, who qualifies, how and when to apply, what’s covered, and more. If you’ve been putting off dental visits due to cost, this plan might change everything for you.
Introduction to the CDCP for Adults
The Canadian Dental Care Plan was first introduced in 2023 to cover children under 12 and, later, seniors. In 2025, the federal government has broadened its reach by including adults aged 18 to 64. This expansion is a welcome change, particularly for uninsured Canadians who have gone years without dental checkups, cleanings, or necessary procedures.
The CDCP is designed to cover a wide range of preventive and restorative dental services, and eligibility is based primarily on income and insurance status. It is administered by Health Canada in partnership with Sun Life and aims to make dental care accessible and equitable for all Canadians.
CDCP Eligibility Criteria for Adults
Before you begin the application process, it’s important to know whether you qualify. The CDCP’s eligibility criteria are clear, but they vary slightly depending on your personal situation.
Age Requirements
As of 2025, all Canadian adults aged 18 to 64 are eligible to apply for the CDCP. The plan was rolled out in stages, depending on your age bracket. More on that in the timeline section.
Income Thresholds
To qualify, your adjusted family net income must be less than $90,000 annually. However, how much coverage you receive depends on your income level.
| Adjusted Family Net Income | Co-Payment | Coverage Level |
| Less than $70,000 | 0% | Full coverage |
| $70,000–$79,999 | 40% | Partial |
| $80,000–$89,999 | 60% | Partial |
| $90,000+ | Not eligible | N/A |
Keep in mind that your income must be verified through your most recently filed tax return. If you haven’t filed for the previous year, you won’t be eligible until you do.
Additional Note: Adjusted family net income is calculated by subtracting Universal Child Care Benefit (UCCB) and Registered Disability Savings Plan (RDSP) income and adding any repaid UCCB or RDSP amounts, as per tax return lines.
Insurance Status and Residency
You must not have access to private dental insurance. If you are covered by a workplace or personal dental insurance plan, you are not eligible, even if you don’t use it. Also, applicants must be Canadian residents for tax purposes.
Additional Note: If an individual has dental coverage through a professional or student organization, they are also ineligible.
Application Timeline
Health Canada is rolling out the Canadian Dental Care Plan (CDCP) for adults aged 18 to 64 in 2025 as the final phase of the program’s expansion, following earlier phases for seniors (2023 to 2024), children under 18, and adults with a valid Disability Tax Credit certificate (2024).
- May 2025: All eligible Canadian residents aged 18 to 64 can apply for the CDCP, with coverage starting as early as June 1, 2025. Up to 4.5 million uninsured adults in this age group are expected to benefit.
Important Reminder: CDCP coverage requires annual renewal by June 1 (e.g., June 1, 2025, for 2024 tax-based renewals) to confirm ongoing eligibility.
Contact Us for Help!
Need help to understand your CDCP options or booking an appointment? Contact Walk-In Dental Clinic today; we’re happy to walk you through your benefits and get you smiling again!
How to Apply for the CDCP in 2025
The application process is simple and available online or through Service Canada for those who prefer in-person help.
Online Application Process
The fastest and most convenient way to apply is online through the Government of Canada website. Here’s how it works:
- Visit canada.ca/dental
- Log in using your CRA MyAccount credentials.
- Confirm your eligibility by verifying your income and insurance status.
- Submit your application and wait for confirmation from Sun Life, the program’s administrator.
Once approved, you’ll receive a welcome package with your coverage start date and details.
Applying via Service Canada
If you’re not comfortable applying online or don’t have access to the internet, you can:
- Call (833) 537-4342 to apply by phone
- Visit a Service Canada Centre and get in-person support
Make sure you bring a government-issued photo ID and your Social Insurance Number (SIN) when applying in person for the CDCP at a Service Canada Centre. Income and insurance status are verified via tax records and self-declaration, so you don’t need separate documentation.
Reminder: Note that the phone number ((833) 537-4342) is for Service Canada, while Sun Life’s CDCP Contact Centre ((888)-888-8110) is for coverage or provider inquiries post-enrollment.
Coverage Start Dates and What to Expect
After your application is approved, your coverage start date depends on when you apply and which age group you’re in. Usually, it may take about 2 to 4 weeks to process your application and issue coverage. Once enrolled, you’ll be able to choose a CDCP-participating dental provider and book covered treatments, such as exams, teeth cleanings, fillings, root canals, and other services covered by CDCP.
Important Note: Oral health providers or dental clinics may charge more than CDCP rates (balance billing), and patients are responsible for the difference plus any co-payment. This is a common issue raised in recent sentiment on X, where patients and dentists report unexpected costs.
Final Word
The 2025 expansion of the Canadian Dental Care Plan is a huge step toward making dental care more accessible to all. Whether you’re a student, freelancer, or someone nearing retirement, the CDCP offers a much-needed opportunity to take care of your oral health without financial strain.
At Walk-In Dental Clinic, we proudly support patients who are part of the CDCP. If you qualify, don’t hesitate to reach out; we can help you understand your benefits, book appointments, and ensure your dental care is smooth and stress-free.
Book your CDCP-friendly appointment today with Walk-In Dental Clinic and take the first step toward a healthier, brighter smile!
Consultation with our dentists
FAQs
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When do adults (18-64) become eligible to apply for the CDCP?
From May 2025, all eligible Canadian residents aged 18–64 can apply for the CDCP, with coverage starting as early as June 1, 2025. Up to 4.5 million uninsured adults in this age group are expected to benefit. If you’re in one of these groups and meet the eligibility requirements, you can apply from the specified date onward.
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What is the adjusted family net income threshold for adult eligibility?
To qualify for any level of coverage, your adjusted family net income must be under $90,000. Full coverage is available for those earning less than $70,000.
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Do I need to file my taxes to apply for the CDCP as an adult?
Yes, you must have filed your taxes for the previous year to confirm your income. This is mandatory, even if you earn very little or no income at all.
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Can adults with existing private dental insurance qualify for the CDCP?
No, if you currently have private dental insurance through an employer or personal plan, you are not eligible. However, those with public coverage (like provincial assistance) may still qualify.
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How will I know if my CDCP application has been approved?
You’ll receive a notification by mail or email from Sun Life, confirming your approval and providing your benefit ID and start date. Make sure to keep this information handy when visiting your dentist.
Have questions, thoughts, or your own experience with the CDCP? Drop them in the comments below; we love hearing from you and helping our community stay informed!
