Learn how the Canadian Dental Care Plan works and how Ross Creek Dental helps you access the care you deserve.
For many people in Fort Saskatchewan, the idea of visiting the dentist isn’t about routine checkups—it’s about deciding whether they can afford it. If you’ve ever had to choose between dental care and other essentials, you’re not alone.
That’s exactly why the Canadian Dental Care Plan (CDCP) was launched—to bridge that gap and ensure that eligible low-income individuals and families can access the dental care they need without facing impossible costs.
But understanding who qualifies, what’s covered, and which clinics participate can be confusing. At Ross Creek Dental, we’re here to make it simple. If you’re looking for Saskatchewan low-income dental coverage—we’re ready to guide you through it.
What Is the Canadian Dental Care Plan?
The Canadian Dental Care Plan (CDCP) is a federal initiative launched by the Government of Canada in 2024. Its goal is to provide access to essential dental services for individuals and families without private insurance and with household incomes under $90,000.
Here’s how the program works at a glance:
- Full coverage for those earning under $70,000
- Partial coverage (40%–60%) for those earning $70,000–$89,999
- No coverage for incomes $90,000 or above
- You must not have private dental insurance to qualify
- Services are covered only at participating dental clinics
At Ross Creek Dental, we proudly accept CDCP-covered patients and help you understand what’s included—before any work begins.
Do You Qualify for the CDCP?
If you’re unsure whether you or your family qualify, here’s a quick breakdown:
- You are a Canadian resident with a valid SIN
- You do not have private dental insurance
- Your adjusted family net income is under $90,000
- You’ve filed your taxes for the previous year
- You fall within the age group currently eligible under CDCP rollout
As of now, coverage is being phased in by age and vulnerability. By 2025, the plan is expected to be fully rolled out across all age brackets.
What Services Are Covered?
The Canadian Dental Care Plan focuses on preventative and essential dental services. At Ross Creek Dental, we align our offerings with what CDCP provides so you receive the best possible care.
Covered treatments typically include:
- Cleanings, exams, and X-rays
- Fillings and sealants
- Root canals and extractions
- Dentures and relines
- Periodontal care
Some services require preauthorization, including:
- Crowns
- Dentures (in certain cases)
- Sedation dentistry
- Orthodontics (only for medical necessity)
Before we begin treatment, our team walks you through what’s covered, what might need authorization, and how much—if anything—you might need to pay out of pocket.
What About Co-Payments?
One of the most confusing parts of the CDCP is co-payment tiers. Not everyone receives 100% free coverage, and many patients are surprised to learn they still owe a portion of the bill.
Here’s a simple breakdown:
Annual Household Income | Coverage Level | Co-Pay Required |
Under $70,000 | 100% | $0 |
$70,000–$79,999 | 60% | 40% of the cost |
$80,000–$89,999 | 40% | 60% of the cost |
At Ross Creek Dental, we help you plan financially in advance so there are no surprises. If needed, we can discuss affordable payment options or alternative treatment plans that suit your coverage.
Preauthorization: What You Need to Know
Some services under CDCP require government approval before treatment—especially if they’re more complex or costlier.
These may include:
- Sedation (oral or IV)
- Surgical procedures
- Extensive restorative work
- Custom dentures or crowns
Approval typically takes a few days to a few weeks, depending on the request. We help you navigate the paperwork, handle submissions, and follow up—so you’re not left waiting without support.
How Ross Creek Dental Helps CDCP Patients
At Ross Creek Dental, we believe everyone deserves access to great care—regardless of income. That’s why we’re proud to support the Canadian Dental Care Plan and work with families to make it as easy and stress-free as possible.
Here’s what we do for CDCP patients:
- Verify your eligibility before your appointment
- Explain your coverage and co-payments up front
- Handle preauthorization paperwork on your behalf
- Offer flexible scheduling to reduce wait times
- Deliver compassionate care with no judgment, just support
Our clinic is a safe space for people of all backgrounds, income levels, and dental histories. Whether you’re coming back after years away, or bringing your child in for their first visit, we treat every patient with dignity and respect.
Additional Resources for Saskatchewan Residents
If you live in Fort Saskatchewan or anywhere in the province, you may also be eligible for provincial programs that complement CDCP.
These include:
- Saskatchewan Health’s Supplementary Health Dental Program
- Family Health Benefits for children under age 18
- Indigenous health coverage through federal and provincial agreements
We coordinate with both federal and provincial plans so you receive the best support possible. If you’re unsure which program applies to you, our administrative team can help clarify during your intake.
Real Stories from Real Patients
“Being a patient at Ross Creek Dental is incredibly refreshing! As someone who has mild (okay, major) dread about going to the Dentist, the people there really know how to make you feel more at ease… every single person is friendly, competent, and thoughtful. They truly care about your comfort and health.”
Deb F
“Professional, helpful and friendly staff. I highly recommend them if you have dental anxiety. It was a very good experience and I felt very comfortable being in the chair. All the costs printed off for me pre-op (x2 emergency extractions) and no surprises on the end bill.”
Sean Wilkins
“Our family has been going to Ross Creek Dental for over 30 years, even when we moved to Sherwood Park the drive to Fort Saskatchewan is well worth it. The professional, friendly staff and services provided Dr. Karach are among the best!”
Linda Frey
Take the First Step Toward Covered Care
If you’ve been putting off dental care because of the cost, the Canadian Dental Care Plan might be the breakthrough you’ve been waiting for. And Ross Creek Dental is here to help you take the first step—with clarity, compassion, and care you can count on.
Let us handle the questions, the forms, and the details—so you can focus on your health and your family.
Wondering if you’re eligible for free or low-cost dental care?
Call 780-998-3376 or visit rosscreekdental.com to speak with our team about your coverage under the Canadian Dental Care Plan.
Let Ross Creek Dental help you access the care you deserve—without financial stress.