- Canadian Dental Care Plan
CDCP coverage, made simple.
Yonge & Front Dental is a Canadian Dental Care Plan (CDCP) provider. We bill Sun Life directly for eligible services, so you only pay your co-payment and any costs the plan doesn’t cover. Here’s who qualifies, how to apply and what to expect at your visit.
- Accepting CDCP patients
- We bill Sun Life directly
- Costs explained before treatment
- About the plan
What is the CDCP?
The Canadian Dental Care Plan is a federal program that helps eligible Canadian residents without private dental insurance pay for dental care. Sun Life runs the plan for the Government of Canada.
Who it's for
Canadian residents with no access to private dental insurance and an adjusted family net income under $90,000. Children are added to a parent’s application.
What's covered
Exams, X-rays, cleanings, fluoride and sealants; fillings, root canals and gum care; crowns, dentures and oral surgery; and some sedation. Orthodontic treatment is not currently covered.
What you pay
Family income under $70,000: no co-payment. $70,000 to $79,999: you pay 40%. $80,000 to $89,999: you pay 60% of the CDCP fee.
How billing works
We bill Sun Life directly, so you don’t pay the full cost up front. If our fee is higher than the CDCP rate, or you choose a service the plan doesn’t cover, we tell you the cost before treatment.
Summary of the Government of Canada’s CDCP information, October 2026. Always check Canada.ca for the latest rules.
Who can apply.
You need to meet all four requirements. The rules on taxes, residency and insurance also apply to your spouse or common-law partner, who applies separately.
No private dental insurance
You can't have access to dental coverage through a job, pension, professional or student group, health spending account or a plan you bought, even if you don't use it.
Family income under $90,000
Your adjusted family net income for last year must be below $90,000. It starts from line 23600 of your tax return and your spouse's or partner's.
Taxes filed for last year
You, and your spouse or common-law partner, must have filed a tax return in Canada for the previous year.
Resident of Canada
You, and your spouse or common-law partner, must be residents of Canada for tax purposes.
Government programs are fine
Dental coverage from a provincial, territorial or federal social program doesn't stop you from qualifying. The plans coordinate so nothing is paid twice.
Check your tax slips
Box 45 on your T4, or box 015 on your T4A, shows whether an employer or pension offered dental coverage. Code 1 means no access.
Apply in four simple steps.
CDCP provider. We bill Sun Life directly for eligible services.
Check that you qualify
Make sure you meet all four requirements and have filed your taxes for last year.
Have your details ready
For you and each child you’re adding: Social Insurance Number, date of birth, full name, home and mailing address, and any dental coverage from government programs.
Apply online or by phone
Apply through My Service Canada Account or on Canada.ca, or call Service Canada at 1-833-537-4342 (TTY 1-833-677-6262). Applying is free.
Get your enrolment letter
Service Canada confirms your member ID, coverage start date and co-payment level. Sun Life then mails your member card, but you don’t need to wait for it to book.
- No fee to apply
- Spouses apply separately
- Children added as dependants
- Renew every year
Do you accept the Canadian Dental Care Plan?
Yes. Yonge & Front Dental is a CDCP provider and bills Sun Life directly for eligible services. Bring your member ID to your appointment.
When can I book my first appointment?
Once you have your enrolment letter, book for a date on or after the coverage start date it shows. You don’t need to wait for your Sun Life card. Coverage should be active before every visit, so we check it when you book.
Will I have to pay anything?
It depends on your family income. Under $70,000 there is no co-payment; between $70,000 and $79,999 you pay 40%; between $80,000 and $89,999 you pay 60% of the CDCP fee. You may also pay the difference if our fee is higher than the CDCP rate, or for services the plan doesn’t cover. We explain any costs before treatment.
Is orthodontic treatment covered?
Not at the moment. Orthodontic services, such as braces and Invisalign, are currently not available under the CDCP. Your Invisalign consultation with us is free.
Do some treatments need approval first?
Yes. Crowns, posts and cores, partial dentures and some complete dentures, root canal re-treatment, deeper sedation and general anesthesia, and services beyond the usual frequency limits need preauthorization from Sun Life before treatment.
I retired and opted out of my pension's dental plan. Can I still apply?
You may qualify if you opted out before December 11, 2023 and can’t opt back in. Opting out after that date doesn’t make you eligible.
Do I need to renew every year?
Yes. You must renew each year to confirm you still qualify. If you miss the renewal period you can re-apply, but care during the gap in coverage isn’t covered.
How do I check my application status?
Use the online status checker on Canada.ca with your member ID and Social Insurance Number, or call Service Canada at 1-833-537-4342.
Request an appointment
Already enrolled? Request an appointment and let us know you’re a CDCP member. We’ll confirm your coverage before your visit. For a dental emergency, call 416-364-2444.
For wisdom teeth, Invisalign, dental implants and dentures. Choose “Consultation” as your reason for visit.