🍁 Newcomer Digest – Monday Edition

The Canadian Dental Care Plan (CDCP) is a nationwide program making dental care more accessible and affordable, especially for newcomers.

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.

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:

• Dental care
• Car repairs
• Moving services
• Tutoring packages
• Tax filing help
• Phone or internet plans
• Home repairs
• Professional consultations

Ask these 4 questions:

• What is included in this price?
• Are there extra fees?
• Will I pay tax on top?
• What happens if the final cost is higher?

Pro tip:

Never feel bad for asking the cost. In Canada, asking for an estimate is part of protecting your budget.

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/
Phone: Dial 2-1-1
Cost: Free and confidential

“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.”

Mobile Tutors is a trusted Canadian leader in personalized education, offering in-home and online tutoring for students from kindergarten to university. With a team of certified teachers and subject specialists, they provide tailored support in math, science, English, French, and more helping learners build confidence and achieve academic success.

Whether you're a newcomer family navigating a new school system or a student aiming for top grades, Mobile Tutors delivers flexible, high-quality learning support right where you need it.

Want to fast-track your success in Canada? These tools and services can help:

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🍁 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/