CDCP Dentist in Toronto, Now Accepting New Patients
At Park Dental, we’re proud to support the Canadian Dental Care Plan (CDCP) in Toronto, a federal program designed to make dental care more affordable for Canadians who don’t have private insurance.
The CDCP helps improve oral health across the country by covering a wide range of essential dental services for eligible residents. If you live in or near Christie Pits, you may qualify to receive dental care at little to no cost.
Schedule your CDCP visit today in Toronto!
- Our fees are based on the (ODA Fee Guide)
Book Your Dental Appointment
CDCP Renewals and Applications
Each year, CDCP members are invited to renew for the next benefit year, and your current coverage ends at the end of the benefit year (June 30) if you do not renew in time. Applications for the 2026–2027 benefit period are open. The 2026 renewal period closed on June 1. Renewals for 2027–2028 will open in spring 2027.
If You Miss the Renewal Deadline
If you do not renew by the deadline, your coverage ends on June 30. You can submit a new application later, but:
- There will be a gap in your coverage until it is approved again.
- Dental care received during this gap will not be covered or reimbursed.
Who Can Renew:
To renew your CDCP coverage, you must meet all four requirements:
No Access to Private Dental Insurance
This includes coverage through:
- Employer or family member benefits (including health and wellness accounts).
- Pension plans (including federal, provincial, and territorial government employer pension plans).
- Professional or student organizations.
- Insurance purchased by you, a family member, or through a group plan.
Note: This applies even if you decide not to take it, have to pay a premium, or do not use it.
Retirement Exception: You may be eligible if you’re retired and you opted out of your dental insurance through your pension plan before December 11, 2023, and cannot opt back in.
Tax Returns
You and your spouse or common-law partner must have filed your tax returns in Canada for the previous year.
Income and Residency
Your adjusted family net income is less than $90,000 and you are a Canadian resident for tax purposes.
If you Have Dental Coverage Through Government Social Programs
If you have coverage through a provincial, territorial, or federal government social program, you could still qualify. Your coverage will be coordinated between the plans to avoid duplications or gaps.
Eligibility Review
You must attest that you do not have access to dental insurance. The CDCP verifies this by reviewing tax records (T4/T4A) submitted by employers or pension plan administrators.
If you provide false information, you and your family may be removed from the plan.
If found ineligible, you will be required to repay any amounts claimed for services.
What you Need to Renew
You will need to confirm or update the following for each applicant:
- Social Insurance Number (SIN)
- CDCP member ID
- Full name and Date of birth
- Home and mailing address
- List of government dental
- coverage (if applicable)
- Confirmation that your
- previous year’s tax returns were filed
Do You Qualify for Dental Benefits?
Wondering if you can apply for the Canadian Dental Care Plan? The CDCP is meant to help Canadians who need dental care and meet certain criteria.To qualify, you must meet all four requirements below.
No Access to Dental Insurance
You can’t have access to private dental insurance, including through your work, pension, or a family member’s plan, even if you’ve never used it. Coverage through a government program doesn’t disqualify you.
Tax Return Filed
You must have filed your most recent income tax return. If you have a spouse or common-law partner, they must have filed theirs too.
Adjusted Family Net Income Under $90,000
Your adjusted family net income must be below $90,000, based on your most recent tax return. Lower incomes mean lower or no co-payments.
Canadian Resident for Tax Purposes
You must be a Canadian resident for tax purposes. If you have a spouse or common-law partner, they must be one too.
What our Patients say
How to Apply for the CDCP in Toronto
Confirm you meet the requirements above. You and your spouse or common-law partner (if applicable) must have filed your most recent tax returns.
Gather your information: Social Insurance Number, date of birth, full name, address, and a list of any government dental coverage you have.
Apply through My Service Canada Account or Canada.ca, or call Service Canada at 1-833-537-4342. There is no fee to apply.
Watch for your confirmation letter or email from Service Canada. It includes your CDCP member ID, coverage start date, and co-payment level.
Sun Life will mail you a welcome package with your member card, but you don’t have to wait for it. Bring your member ID and a piece of ID to your first appointment. Don’t book before your coverage start date.
Dental Services the CDCP Covers
1Diagnostic & Preventive
| Service | Coverage | Preauthorization |
|---|---|---|
| Dental exams | Covered | Not required |
| X-rays | Covered | Not required |
| Cleaning (scaling) | Covered | Not required |
| Fluoride treatment | Covered | Not required |
| Sealants | Covered | Not required |
2Basic Services
| Service | Coverage | Preauthorization |
|---|---|---|
| Restorative | ||
| Permanent fillings | Covered | Not required |
| Temporary fillings | Covered | Not required |
| Pain control for diseased teeth | Covered | Not required |
| Other treatments for cavities | Covered | Not required |
| Endodontic | ||
| Root canal treatment | Covered | Not required |
| Pulpectomies | Covered | Not required |
| Procedures to reduce infection | Covered | Not required |
| Re-treatment of previously completed root canal | Covered | Required |
| Periodontal | ||
| Cleaning under the gumline | Covered | Not required |
| Treating abscesses | Covered | Not required |
| Bonding for mobile teeth | Covered | Required |
| Post-surgical evaluations | Covered | Required |
| Non-surgical gum disease management | Covered | Not required |
3Major Services
| Service | Coverage | Preauthorization |
|---|---|---|
| Major Restorative | ||
| Posts and post removals | Covered | Not required |
| Crown repairs and rebonding of crowns and posts | Covered | Not required |
| Crowns | Covered | Required |
| Cores (to support crowns) | Covered | Required |
| Posts for crowns | Covered | Required |
| Removable Prosthodontics | ||
| Complete dentures | Covered | Not required |
| Denture repairs, relines, and rebases | Covered | Not required |
| Placing lining in dentures to condition oral tissues | Covered | Not required |
| Complete immediate and overdentures | Covered | Required |
| Partial dentures | Covered | Required |
| Oral Surgery | ||
| Removal of teeth and roots | Covered | Not required |
| Surgical removal of cysts and tumors | Covered | Not required |
| Surgical incisions and draining | Covered | Not required |
| Treatment of broken jaw bones | Covered | Not required |
4Anesthesia or Sedation
| Service | Coverage | Preauthorization |
|---|---|---|
| Minimal sedation | Covered | Not required |
| Moderate and deep sedation | Covered | Required |
| General anesthesia | Covered | Required |
Your Costs and Co-payments Explained
Your co-payment depends on your adjusted family net income:
- Under $70,000: No co-payment. The CDCP covers 100% of its fees.
- $70,000–$79,999: 40% co-payment.
- $80,000–$89,999: 60% co-payment.
If your dentist’s fee is higher than the CDCP fee, or you choose a service the CDCP doesn’t cover, you pay the difference.
How to Use Your CDCP Benefits: Finding a Dentist & Booking an Appointment
Step 1: Find a Participating Provider with the Sun Life Tool
Tip: Call ahead to check availability for CDCP patients. Ask about wait times and services offered.
Step 2: Your Pre-Appointment Checklist
How the CDCP Works with Your Existing Insurance
How Does the CDCP Coordinate with Provincial or Territorial Dental Programs?
Can the CDCP Replace My Workplace or Private Dental Benefits?
Canadian Dental Care Plan: Frequently Asked Questions (FAQ)
Not always; it depends on income. Families under $70,000 pay nothing (100% covered). Higher incomes have co-pays (40-60%). Plus, balance billing may apply if fees exceed CDCP rates. Always ask for an estimate.
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.
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.
Coverage runs until June 30 each year. You must renew annually during the renewal period (it opens each spring). If you miss it, you’ll need to submit a new application, and care received during the gap isn’t covered.