CDCP and Private Dental Insurance: How They Fit Together
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Can you have CDCP and private insurance at once? Here is how the two relate and what to ask before you choose a plan or book treatment.
If you have, or are offered, private dental insurance, you may wonder how it works with CDCP. Here is a clear overview.
The basic rule
You usually can't have both CDCP and private insurance. Eligibility rules are set by the Government of Canada, so confirm your situation through the official program.
Why the question matters
Plans differ in what they cover and what you pay. CDCP cost sharing depends on family income, while private plans have their own limits and percentages. Comparing them before treatment helps you plan.
Questions to ask
- Which coverage applies to the treatment I need?
- What will my portion be under each?
- Will you give me a cost before treatment begins?
How we help
At Morgan Heights, we walk patients through how coverage fits their situation, and we bill Sun Life directly for CDCP. Our page on dental insurance and CDCP coverage has more.
Planning treatment
Explore our dental treatments or learn what to expect on the new patient information page. You can also see how practices explain this in our CDCP analysis.