Canadian Dental Care Plan

https://www.canada.ca/en/services/benefits/dental/dental-care-plan.html

📌 什麼是 CDCP 牙醫計劃？

這是加拿大聯邦政府為了幫助中低收入、且沒有商業牙科保險的居民，所提供的牙科費用補助計劃。

• 特別注意： 這是一項「政府補助計劃」而非完全免費。

• 自付差額： 實際報銷金額會因您的「家庭年收入」而異。此外，若牙醫診所收費高於政府設定的補助費率，您可能需要自付差額（Balance Billing）。

🎯 誰符合申請資格？

申請人必須同時滿足以下四個條件：

1. 無任何牙科保險（未透過雇主、學校、專業協會或私人購買商業保險）。

2. 家庭年淨收入低於 $90,000 CAD（以加拿大稅務局 CRA 申報的調整後家庭淨收入為準）。

3. 為加拿大稅務居民（需完成上一年度的個人所得稅申報）。

4. 所有年齡層目前皆已全面開放申請。

💰 家庭收入與補助比例對照

您的自付額（Co-payment）比例取決於您的調整後家庭年淨收入：

• 年收入低於 $70,000 CAD 👉 政府補助 100% ｜ 您基本自付 0%

• 年收入 $70,000 至 $79,999 CAD 👉 政府補助 60% ｜ 您基本自付 40%

• 年收入 $80,000 至 $89,999 CAD 👉 政府補助 40% ｜ 您基本自付 60%

🛡️ 涵蓋的常見項目

預防與檢查：定期洗牙、照 X 光、補牙、簡單拔牙、根管治療。

特殊修復（需預先核准）：活動假牙、牙套（Crowns）。

❌ 不涵蓋的項目

美容性治療：牙齒美白、醫美貼片。

其他項目：牙齒矯正（箍牙）、植牙、運動/防磨牙牙套。

步驟一：線上申請 登入您的 My Service Canada Account (MSCA) 提交申請，過程僅需約 5-10 分鐘。

              或是免登入申請  https://srv024.service.canada.ca/en/application

步驟二：收到 Sun Life 保障卡 申請核准後，承保公司 Sun Life（永明金融） 會寄發會員卡，信中會註明您的福利生效日期。

步驟三：預約看診與確認 尋找有參與 CDCP 計劃的牙醫。預約時務必主動詢問：「是否接受 CDCP？」以及「是否有額外的自付差額？

📌 What is the CDCP?

The Canadian Dental Care Plan (CDCP) is a federal initiative designed to help lower- and middle-income Canadian residents who do not have access to dental insurance cover the cost of dental care.

• Please Note: This is a "co-funded government program," not a completely free service.

• Out-of-Pocket Costs: The actual coverage amount depends on your adjusted family net income. Additionally, if your dental provider charges more than the CDCP established fees, you may need to pay the difference directly to the clinic (Balance Billing).

🎯 Who is Eligible?

To qualify for the CDCP, you must meet all of the following four criteria:

• No Access to Dental Insurance: You do not have dental coverage through an employer, school, professional association, or a privately purchased insurance plan.

• Income Limit: Your adjusted family net income is less than $90,000 CAD (based on your tax return filed with the Canada Revenue Agency).

• Tax Residency: You are a Canadian tax resident (and have filed your tax return for the previous year).

• Age: Applications are now open to all age groups.

• 
  

💰 Family Income & Coverage Breakdown

Your co-payment (the percentage you must pay out-of-pocket) is based on your adjusted family net income:

Adjusted Family Net Income    = Government Covers ㄥYour Co-payment

Under $70,000 CAD   = 100% / 0%

$70,000 to $79,999 CAD =  60% / 40%

$80,000 to $89,999 CAD =  40%  / 60%

🛡️ Covered Services

• Preventative & Restorative: Regular cleanings, X-rays, fillings, simple extractions, and root canal treatments.

• Specialty Services (Pre-authorization required): Removable dentures and crowns.

❌ Services Not Covered

• Cosmetic Treatments: Teeth whitening and cosmetic veneers.

• Other Exclusions: Orthodontics (braces), dental implants, and sports/night guards.

📋 How to Apply (Step-by-Step)

Step 1: Apply Online

Log in to your My Service Canada Account (MSCA) to submit your application. The process only takes about 5 to 10 minutes.

🔗 Apply without logging in:

Apply Online via Service Canada

Step 2: Receive Your Sun Life Welcome Package

Once your application is approved, Sun Life (the contracted insurance provider) will mail you a welcome package containing your member card and your coverage start date.

Step 3: Book Your Appointment & Confirm

Find a dental provider who participates in the CDCP. When booking, make sure to ask:

1. "Do you accept patients under the CDCP?"

2. "Will there be any additional out-of-pocket costs (balance billing) for my treatment?"