CDCP guide · Fees and coverage
CDCP: why might you pay even with 100% coverage?
The Canadian Dental Care Plan (CDCP) calculates its contribution using its own fee schedule. Having 100% coverage does not automatically mean that every dental bill will be paid in full.
At Clic Dentaire: no surcharge above CDCP fees
For eligible care, we charge the fees established by the plan. With 100% coverage, you pay $0 for that care, subject to active coverage, plan limits and required approvals. If you have partial coverage, the official co-payment remains your responsibility.
Book a CDCP appointment →The online booking system is available in French only.
Three different reasons you may have to pay
1. The plan’s official co-payment
A co-payment is the portion of CDCP fees that you pay based on your adjusted family net income. It applies even when a dentist charges exactly the plan’s fees.
| Adjusted family net income | CDCP share | Your share |
|---|---|---|
| Below $70,000 | 100% | 0% |
| $70,000–$79,999 | 60% | 40% |
| $80,000–$89,999 | 40% | 60% |
2. A difference between the clinic’s fees and CDCP fees
A clinic may charge more than the fees recognized by the plan. You may have to pay that difference even with 100% coverage. Clic Dentaire does not add this fee difference for eligible care.
3. Non-covered services or plan limits
Some services are not covered. Others have clinical criteria, frequency limits or preauthorization requirements. Having 100% coverage does not remove these conditions. Care that is not eligible may involve separate charges.
Example: a $200 CDCP fee
This is a hypothetical example, not a treatment estimate. Suppose an eligible service has a CDCP fee of $200, your active coverage is 100%, and all plan requirements are met.
- If a clinic charges $250, the CDCP pays $200 and you pay the $50 difference.
- At Clic Dentaire, we charge $200 for that same eligible fee: the CDCP pays $200 and you pay $0.
- With a 40% co-payment, that same $200 fee leaves you with $80 to pay at Clic Dentaire, with no clinic surcharge.
Before your appointment
Check that your coverage is active and bring your CDCP membership information. We check the applicable coverage and explain any amounts you may have to pay before treatment. An estimate depends on the care you need and the plan’s decisions.
You can also read about dental exams, cleaning and scaling, dentures, and our CDCP frequently asked questions.
A Montreal clinic welcoming patients from across Quebec
Clic Dentaire is located at 3440 rue Bélair, Montreal (Saint-Michel), H2A 2A7. Whether you travel from Montreal, Laval, Longueuil or elsewhere in Quebec, the same CDCP fees apply to eligible care. Our clinic is in Montreal; plan your trip around your booked appointment.
The Clic program is for CDCP members with active coverage, with online booking only. Patients outside the CDCP are seen at regular ACDQ fees and can book by calling 438 533-3389.
Please note: The online booking system is available in French only.
See availability and book →Source: Government of Canada — covered services and amounts you may pay. The plan’s official terms determine your coverage.