Public Service Dental Care Plan summary

From: Treasury Board of Canada Secretariat

Note to readers

Starting January 1, 2025: improvements and changes to the Public Service Dental Care Plan New

This is a summary of the Public Service Dental Care Plan (PSDCP) provided to eligible employees of the public service including the Royal Canadian Mounted Police (RCMP) and the Canadian Armed Forces (CAF) and Reservists participating employers and members of certain designated groups. It does not contain all details or describe all limits, restrictions or exclusions. For additional information, please refer to the PSDCP Rules, PSDCP Member Booklet or contact the Public Service Pay Centre or your departmental Compensation office.

The PSDCP is designed to cover specific dental services and supplies not covered under your provincial or territorial health care or dental care plan.

Eligibility

Automatic coverage for:

full-time and part-time employees who are appointed for more than six months (part-time employees must work more than one third of the normal work week) or who have completed six months of continuous employment
eligible spouse or common-law partner and eligible dependant children

Members of the RCMP and CAF and Reservists should contact their departmental compensation office for eligibility requirements.

Refer to definitions of terms in the plan rules.

Enrolment and effective date

No application is required. Coverage is effective after three months of continuous employment from the date you become eligible. Refer to Coverage in the plan rules.

Positive enrolment

Positive enrolment is mandatory and must be completed and maintained separately on all benefit plans. You will be issued a certificate number for the PSDCP. You’ll need this to complete positive enrolment with the plan administrator, Canada Life. It’s your responsibility to keep your personal information up to date.

Positive enrolment involves giving Canada Life information about yourself, your spouse or common-law partner, and each eligible dependant child, including:

full name
addresses
age
banking information (for direct deposit)

You will also be asked whether you or any of your dependants have coverage under another group health or dental plan. You may be eligible to coordinate benefits between plans.

Once you have completed positive enrolment, you will have access to your PSDCP benefit card. Claims will not be paid if you don’t complete this step.

Annual deductible

For complete information consult, the PSDCP member booklet

The annual deductible for the PSDCP is $25 per person or up to $50 per family per calendar year.

Co-payment percentage (after deductible)

For complete information consult, the PSDCP rules

The percentage of co-payments made by the insurer (after the deductible) are as follows:

preventive and basic dental services: 90%
major restorative services and orthodontics dental services: 50%

Reasonable and customary charges

Reimbursement is based on the previous year’s dental fee guide for the province or territory where the services are rendered

Note: Provisions for dental services received outside Canada

Maximum amounts

Annual maximum for combined preventive, basic and major restorative treatment are as follows:

$2,500 per calendar year per covered person
$1,125 during the first year if coverage takes effect on or after July 1

The lifetime maximum for orthodontic coverage is $2,500 per covered person.