Canadian Dental Care Plan
Our general dentists see patients covered by the Canadian Dental Care Plan (CDCP). The plan is run by the Government of Canada. We bill Sun Life directly for covered services, so you do not pay the full cost up front.
- Direct billing to Sun Life
- Written estimate before treatment
- Healthy Smiles Ontario accepted
Who qualifies
Four conditions, set by the Government of Canada
This summary comes from the CDCP pages on canada.ca, checked in September 2026. The plan can change, so check canada.ca before you apply.
You do not have access to dental insurance, including a health spending account that covers dental care.
Your adjusted family net income is less than $90,000.
You, and your spouse or common-law partner if you have one, filed a tax return in Canada for last year.
You are a resident of Canada for tax purposes.
Quick check
See what may apply to you
Answer three questions to see if you may qualify and what your co-payment would be. The check runs on this page only and nothing is sent. The Government of Canada makes the final decision when you apply.
- Direct billing to Sun Life
- Written estimate before treatment
- Co-payments explained when you book
- Healthy Smiles Ontario accepted for children
Co-payments by adjusted family net income
Under $70,000
No co-payment
$70,000 to $79,999
40% co-payment
$80,000 to $89,999
60% co-payment
Percentages are of the fee the CDCP sets for each service. Source: canada.ca, checked September 2026.
What may cost extra
What the plan pays, and what you might
The fee difference
The CDCP sets its own fee for each service. If our fee is higher, you pay the difference, on top of any co-payment. Your written estimate shows the amount before treatment.
Approval before some treatment
Some services, including crowns, partial dentures and a second root canal on the same tooth, need approval from the plan before we start. We send the request and book once it comes back.
Billing
How direct billing works
- canada.ca
Apply with the government
You apply on canada.ca. The Government of Canada tells you if you qualify and when your coverage starts.
- Booking
Book and tell us
Tell us you are covered by the CDCP when you book. We check your coverage before the visit.
- Before treatment
Written estimate
Before treatment, we show what the plan pays, your co-payment and any difference between our fee and the plan fee.
- After the visit
We bill Sun Life
We send the claim to Sun Life, which processes CDCP claims. You pay only your share at the desk.
Sources
Check it yourself
Questions about your own coverage? Call (613) 555-0184. For eligibility, only the Government of Canada can answer.
- Who qualifies and how to apply, canada.ca
- What the plan covers and co-payments, canada.ca
- Canadian Dental Care Plan home, canada.ca
- Healthy Smiles Ontario, ontario.ca
Who runs the Canadian Dental Care Plan?
The Government of Canada runs the plan and decides who qualifies. Sun Life processes the claims that dental offices send.
Do I pay anything at the visit?
You pay your co-payment if you have one, plus any difference between our fee and the CDCP fee. We show both on your written estimate before treatment.
Does the plan need to approve some treatment first?
Yes. Some services, such as crowns and a second root canal on the same tooth, need approval from the plan before we start. We send the request for you.
My child has Healthy Smiles Ontario. Can we still come?
Yes. We accept Healthy Smiles Ontario for children and youth 17 and under. Ontario runs that program and decides who qualifies.