Local service area: Downtown Montréal, Complexe Desjardins, Complexe Guy-Favreau, Place des Arts, Quartier des spectacles.
The Canadian Dental Care Plan, called CDCP in English and RCSD in French, helps eligible Canadian residents access oral health care. For downtown Montreal patients near Complexe Desjardins, Complexe Guy-Favreau, Place des Arts and federal offices, it is important to understand what may be covered, what is not covered and what may remain payable.
CDCP, federal dental plan, dental insurance: what do patients mean?
Patients often use phrases such as “federal dental insurance,” “federal dental plan,” “CDCP,” “RCSD,” “co-pay,” “co-payment,” “quote-part” or “deductible.” In the CDCP context, the key official term is co-payment. In French, it is quote-part. It is the portion of the CDCP established fees that is not covered and may be paid by the patient.
The word “deductible” is common in private insurance. For the CDCP, the safer wording is co-payment and additional charges, rather than presenting the plan as a traditional deductible-based insurance policy.
Why might there still be an amount to pay?
A patient may have to pay an amount directly to the clinic for several reasons: adjusted family net income results in a co-payment; clinic fees are higher than the CDCP established fees; the selected treatment is not covered; the service requires preauthorization that is not approved; or a frequency limit has been reached.
For SEO and compliance, avoid saying that CDCP dental care is automatically free. The better message is: “We help you understand your coverage and possible fees before treatment.”
ACDQ and dental fees in Quebec
The ACDQ publishes a fee guide and an abbreviated version for the public. The guide is a reference, but dentists remain free to set their own fees. The Ordre des dentistes du Québec also indicates that patients should be informed of the proposed treatment plan and costs before agreeing to treatment.
Which services may be involved?
Depending on plan rules, some exams, cleanings, preventive services, fillings, root canal treatments, extractions and removable prosthodontics may be eligible. Some services have specific criteria or require preauthorization. Dental implants, bone grafts and implant-related procedures are not covered under current rules.
Book an appointment
Call (514) 845-7121 or book: book online
FAQ
Do I have to pay the full bill upfront?
For covered services, the plan generally reimburses the provider directly. However, a co-payment or additional charges may still be payable.
What should I bring to my appointment?
Bring your CDCP letter or card, member number, coverage start date, co-payment if applicable, ID and medication list.
Does the CDCP cover dental implants?
No. Implants and implant-related procedures are not covered under current rules.
This page is for educational purposes and does not replace a personalized dental examination.