What You Need To Know About Your CDCP Fees
Understand your CDCP fees and the cost structure of the Canadian Dental Care Plan (CDCP). Learn about coverage percentages, co-payments, and additional charges to plan your dental care effectively.
Understanding CDCP Fees: The Cost of the Canadian Dental Care Plan (CDCP)
The Canadian Dental Care Plan (CDCP) is designed to make dental care accessible and affordable for eligible Canadian residents. This section provides detailed information on the cost structure of the CDCP, including coverage percentages, co-payments, and any additional charges you may incur. Understanding these costs, your CDCP fees, will help you plan and manage your dental care effectively.
CDCP Fees: Coverage and Co-payments
The CDCP aims to cover a substantial portion of your dental care costs based on your adjusted family net income. Here’s a breakdown of how the coverage works:
Coverage Percentages
- Adjusted Family Net Income Lower than $70,000: The CDCP covers 100% of eligible oral health care service costs at the CDCP established fees. You may face additional charges if the service costs exceed the CDCP fees.
- Adjusted Family Net Income Between $70,000 and $79,999: The CDCP covers 60% of eligible oral health care service costs at the CDCP established fees. You will be responsible for 40% of the CDCP fees, plus any additional charges if the service costs exceed these fees.
- Adjusted Family Net Income Between $80,000 and $89,999: The CDCP covers 40% of eligible oral health care service costs at the CDCP established fees. You will be responsible for 60% of the CDCP fees, plus any additional charges if the service costs exceed these fees.
CDCP Fees: Additional Charges
While the CDCP covers a significant portion of dental care costs, there may be additional charges you need to consider:
Cost of Services Exceeding CDCP Fees
- The CDCP will only pay for services covered within the plan at the established CDCP fees. If your oral health care provider charges more than the CDCP fees, you will be responsible for paying the difference.
Services Not Covered by CDCP
- Some dental services, such as cosmetic procedures or treatments outside the plan’s scope, are not covered by the CDCP. You will need to pay for these services out of pocket.
Preauthorization Requirements
Certain dental services under the CDCP require preauthorization. Preauthorization is a process where prior approval is required based on the recommendation of your oral health provider before the treatment is provided. This ensures that the treatment will be covered under the plan. Services requiring preauthorization will be available starting in November 2024.
Understanding Co-payments
A co-payment is the portion of the dental care cost that you must pay out of pocket. Your co-payment percentage depends on your adjusted family net income and is calculated based on the CDCP established fees.
Co-payment Structure
- Income Lower than $70,000: 0% co-payment.
- Income Between $70,000 and $79,999: 40% co-payment.
- Income Between $80,000 and $89,999: 60% co-payment.
Planning for Dental Care Costs
To effectively manage your dental care costs under the CDCP, consider the following tips:
- Discuss Costs with Your Provider
- Before receiving treatment, discuss the costs with your oral health provider. Ensure you understand which services are covered and any potential additional charges.
- Check Preauthorization Requirements
- For services requiring preauthorization, ensure that your provider submits the necessary documentation and receives approval before proceeding with treatment.
- Budget for Co-payments
- Plan and budget for your co-payments and any additional charges not covered by the CDCP. This will help you avoid unexpected expenses.
Learn More About CDCP
For more comprehensive information about the Canadian Dental Care Plan, explore these sections:
Find a Participating Dentist Near You
Ensure your oral health is taken care of under the Canadian Dental Care Plan. To find participating dentists in your area, search the CDCP Dentist Directory now.