Do I always pay nothing for CDCP-covered services?

Not always; it depends on income. Families under $70,000 pay nothing (100% covered). Higher incomes have co-pays (40–60%). Balance billing may apply if fees exceed CDCP rates. Always ask for an estimate.

What if my dentist isn’t in the Sun Life network?

Switch providers! Use the Sun Life search tool to find one nearby, like Park Dental. Your regular dentist might join later; ask them to check with Sun Life.

Do I pay upfront for CDCP services?

Only for co-pays, balance billing, or non-covered items (e.g., cosmetics). Providers bill Sun Life directly; you pay your share at the visit. Never pay full upfront for covered services.

How long does CDCP coverage last?

Coverage is for one year (April 1 to March 31). Renew annually after filing taxes. Confirm eligibility by June 1 to avoid gaps. If you miss it, reapply, but services during gaps aren’t reimbursed.

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