Trivia Question❓How many time zones does Canada span across? Answer at the bottom of the newsletter |
🍁 Newcomer Digest – Monday Edition |
Welcome to Monday edition of the Newcomer Digest!
This week, we are looking at a cost many newcomers do not expect: dental care in Canada.
Unlike doctor or hospital visits, most dental services are not covered by your provincial health card. That means even a basic appointment can lead to a bill.
Canada’s federal dental plan may help eligible families, but it is important to understand what is covered before you book. In this issue:
Happening Now: What the Canadian Dental Care Plan means for newcomers
Let’s help you avoid surprises and make informed choices this week. |
Happening now |
Featured Story |
Applicants must be Canadian residents, have no access to private dental insurance, and report an adjusted family net income under $90,000.
Filing a Canadian tax return is essential for eligibility, even for those with low or no income.
The CDCP covers exams, cleanings, fillings, root canals, dentures, and some oral surgeries, but certain treatments may require preauthorization or co-payment, depending on income level.
For example, those earning under $70,000 receive full coverage for eligible services, while those between $80,000 and $89,999 are responsible for a 60% portion.
Applicants should gather key documents and apply online or by phone as soon as possible to avoid coverage delays.
Stay informed and discuss costs with dental providers to ensure smooth access to benefits and avoid unexpected expenses. Read More... |
Pro Tip |
Hack of The Week |
Money Move of The Week
Ask for the Estimate Before You Say Yes
This applies to more than dental care.
In Canada, many services can cost more than you expect: dental work, car repairs, moving companies, tutoring, phone plans, home repairs, tax filing, and even some legal or immigration services.
The smart move is to ask for the price before the work starts.
Here is the sentence to use:
“Can I get an estimate in writing before I decide?”
This is not rude. It is normal.
A written estimate helps you compare prices, avoid pressure, and understand what you are agreeing to. Use this before paying for:
Ask these 4 questions:
Pro tip:
Never feel bad for asking the cost. In Canada, asking for an estimate is part of protecting your budget. |
Take Note |
National Resource Spotlight |
211 Canada: The Number to Call When You Don’t Know Where to Start
Many newcomers waste hours searching online for help. The problem is not that help does not exist. The problem is knowing which service is right for your situation and your city. That is where 211 Canada can help.
What it is: 211 is a free information and referral service that connects people to local community, health, social, and government supports.
Who it helps: Newcomers, permanent residents, work permit holders, international students, refugees, families, seniors, and anyone trying to find local help.
How to access it: Website: https://www.211.ca/ |
Becoming Canadian |
Canadianism of the Week |
“Shop Around”
“Shop around” means checking more than one price, provider, or option before you choose.
Real example: Before choosing a dentist, tutor, mechanic, phone plan, or moving company, someone may tell you, “Shop around first.” |
From a friend |
Sponsored Post |
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Other helpful things.... |
Partner Resources & Expert Help |
Want to fast-track your success in Canada? These tools and services can help:
Tradingrich.com Learn how to grow wealth in Canada stocks, options, and futures |
💡 Answer to Trivia Question: Canada spans across six time zones. |
🍁 Before You Go...
Share this newsletter with a newcomer friend who needs it! Questions? Canada's 211 helpline connects you to local services — free, 24/7. Call 211 or visit https://www.211.ca/ |