Insurance And Financing
At Mission Junction Dental, we believe that everyone deserves access to high-quality dental care—without the stress of financial worries. That’s why we offer a variety of payment options, accept most major dental insurance plans, and provide flexible financing solutions to meet your needs.
We accept most insurance plans. Our knowledgeable staff will help you maximize your benefits and work with your provider to ensure a smooth claims process. We’ll gladly assist with verifying your coverage and filing claims on your behalf.
Your family’s dental health is our priority. Whether you’re using insurance or exploring financing options, we’re committed to helping you make informed decisions that fit your budget.
BEAUTIFI KEY BENEFITS
- No Impact to Your Credit Score
- No Obligation to Accept a Loan Offer
- No Money Down
- 100% Online Instant Loan Approval Decision
- No Prepayment Penalties
- $1,000 - $50,000+ in available financing
The Canadian Dental Care Plan
The Canadian Dental Care Plan (CDCP)has been open to all age segments of the population since May 2025, so long as individuals meet other eligibility criteria such as a combined household income of less than $90,000.
CDCP renews annually for those already enrolled.
It is your dental provider’s choice to provide service through the CDCP, or not. Please have a conversation with your provider to find out if they are participating, or not.
The application process and eligibility criteria are available on the federal government’s Canadian Dental Care Plan web page.
Please note: No proactive action is needed for initial enrollment, except for filing taxes for the prior year. Eligible Canadians will automatically receive letters inviting them to apply. If you are already enrolled, you must go through the renewal process prior to June 1 of each year to ensure no gaps in your coverage. Details of that renewal process are available via Canada.ca/dental.
Before receiving treatment please note these important points about the CDCP:Not everyone is eligible for the plan.
Not all treatments or costs are covered.
Not all dentists are participating in the plan
Please note that currently enrolled patients who have a change in their taxable status that leads to de-enrollment can access CDCP benefits until June 30 of the calendar year, after which time, coverage will end
CDCP FAQs
What is the Canadian Dental Care Plan (CDCP)?
The Canadian Dental Care Plan (CDCP) is a federal government program that is intended to provide coverage for Canadian residents who do not have dental benefits and have a household income of less than $90,000 a year. You need to know that this is a government dental benefit; it is not a free dental program.
The CDCP is for Canadians who do not have dental benefits. It is not intended to replace benefits that people already have through work, school or private plans.
The CDCP is managed by Health Canada and administered by Sun Life. Dentists are not involved in deciding who is eligible or what services are covered.
The federal government is currently contacting the first groups of eligible citizens to inform them of the process. If you have not received a letter before May, you may not be eligible, or at least not yet.
Check your eligibility on the government website.
How much does the CDCP cover? Will my dental care be free?
No. The CDCP does not provide free dental care. It is a government dental benefit that covers a part of the cost of your care. You may have to pay the portion of costs that are not covered.
Patients may be required to make a co-payment (that is, pay for a portion of their dental care under the CDCP) depending on their adjusted family net income, as follows:
- No co-payment of the CDCP benefit for those with an adjusted annual family net income under $70,000.
- A 40 per cent co-payment of the CDCP benefit for those with an adjusted annual family net income between $70,000 and $79,999.
- A 60 per cent co-payment of the CDCP benefit for those with an adjusted annual family net income between $80,000 and $89,999.
Dentists have the choice to bill their usual and standard fees. In addition to the potential co-payment, you may have to pay the portion of a dentist’s usual and standard fees that aren’t covered by the CDCP.
When booking your dental appointment, talk to your dentist about the costs of your treatment and any costs that won’t be covered by the CDCP.
The federal government is currently contacting the first groups of eligible citizens. Seniors who are eligible will receive letters from Service Canada inviting them to apply, with instructions on how to validate their eligibility and apply by telephone. Dental care under the CDCP is expected to start in May 2024.
Your coverage start date is based when on when you apply and when you’ll be enrolled in the CDCP. It will be different for each person.
In May 2024, an online application portal will be open for seniors 65 and older. If you have a valid Disability Tax Credit certificate or have a child under the age of 18, you will be able to apply online as of June 2024. All remaining eligible Canadians will be able to apply online in 2025.
What services will be covered by the CDCP?
Health Canada has stated that the following services could be covered under the CDCP, with some services only becoming available in the fall of 2024:
- Preventive services, including scaling (cleaning), polishing, sealants, and fluoride;
- Diagnostic services, including examinations and x-rays;
- Restorative services, including fillings;
- Endodontic services, including root canal treatments;
- Prosthodontic services, including complete and partial removable dentures;
- Periodontal services, including deep scaling; and
- Oral surgery services, including extractions.
Some services will require preauthorization, which means prior approval is needed. This will be based on a dentist’s recommendations. Before the treatment begins, your dentist will check to see if it will be covered under the CDCP. Services requiring preauthorization will become available in November 2024.
For full information on all services covered, go to the CDCP Dental Benefits Guide.
Can the CDCP replace my existing dental coverage through work or school?
No. The CDCP is designed for Canadian residents who do not have dental benefits. To qualify for the CDCP, you must not have access to any type of dental insurance or coverage through:
- Your employer or a family member’s employer benefits, including health and wellness accounts.
- A professional or student organization;
- Your pension benefits (previous employer) or a family member’s pension benefits.
- Exception: You may be eligible for the CDCP if you’re retired and you opted out of pension benefits before December 11, 2023, and you can’t opt back in under the pension rules.
- Coverage purchased by yourself or by a family member or through a group plan from an insurance or benefits company.
Did you know? If you’re eligible for dental coverage through your employment benefits or a professional or student organization, you are not eligible for CDCP. This is true even if you decide not to take it or use it.
The Canada Revenue Agency now requires employers to report on their T4/T4A whether their employees and their families had access to dental insurance coverage, including spending and wellness accounts.
