Provincial health plans cover doctors and hospitals, but generally not dental care, most prescription drugs outside hospital, vision care or paramedical services like physiotherapy and massage. Individual health and dental plans fill those gaps for people without workplace benefits — the self-employed, early retirees, contract workers and families between jobs.
Health & living benefits
5 min read
Updated Oct 3, 2026
Private Dental Insurance vs the CDCP: Who Should Buy What?
The Canadian Dental Care Plan covers eligible people with family income under $90,000 and no access to dental insurance. Private plans suit people who earn more or want broader health coverage, but buying one can affect CDCP eligibility.
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