Find the Best CDCP Dental Clinic Near You

CDCP does not make all dental treatment free. If your adjusted family net income is below $70,000, the plan covers 100% of eligible CDCP rates. Patients with higher eligible incomes must pay a 40% or 60% co-payment. Additional clinic fees and non-covered treatments may also cost extra.

Yes. Some dentists charge more than the fees established under CDCP. Before treatment, ask about:

• Any difference between clinic fees and CDCP rates.
• Your required co-payment.
• Charges for services outside your coverage.

Book My Smile's no-extra-fee offer applies to covered care at participating clinics.

The amount depends on your coverage and the type of cleaning needed. Some patients pay $0 for eligible cleanings at clinics that do not charge above CDCP rates. Others may have a co-payment. Your dentist should confirm the services covered before treatment.

CDCP covers eligible root canal procedures, but your share depends on your income and the clinic's fees. Coverage requirements also vary by tooth and treatment. Ask for an estimate before starting.

Before agreeing to treatment:

• Confirm that the clinic accepts CDCP.
• Ask whether it charges above CDCP rates.
• Request an estimate showing your expected payment.

CDCP is not completely free for everyone. Your co-payment depends on your adjusted family net income. When you book through BookMySmile, participating CDCP clinics follow CDCP rates without adding extra fees above those rates. If you have 100% coverage and a 0% co-payment, eligible care covered by CDCP costs you $0. If your co-payment is 40% or 60%, you must pay that share. Services outside your coverage may cost extra. BookMySmile helps you find a participating clinic and understand your costs before your visit.

CDCP’s 100% coverage applies to its established fees for eligible services. Some clinics charge higher fees, leaving you to pay the difference. Services outside your coverage can also cost extra. With BookMySmile, participating CDCP clinics agree not to charge above CDCP rates for covered care. If you have a 0% co-payment, your eligible, covered care costs $0. Confirm your coverage and any costs with the clinic before treatment.

Participating BookMySmile CDCP clinics do not charge above CDCP rates for covered care. BookMySmile is the only dental booking platform whose participating CDCP clinics commit to charging no extra fees above CDCP rates for covered care. If you have 100% coverage and a 0% co-payment, your eligible, covered treatment costs $0. Services outside your coverage may cost extra.

No—they are different. An extra clinic fee is the difference when a clinic’s fee is higher than the CDCP rate. In Ontario, clinics may use the Ontario Dental Association’s suggested fee guide to set their fees. Your CDCP co-payment is your required share of the CDCP rate: 0%, 40%, or 60%, depending on your adjusted family net income. When you book through BookMySmile, participating CDCP clinics do not add fees above CDCP rates for covered care. With a 0% co-payment, your eligible, covered care costs $0. Services outside your coverage may cost extra.

Your CDCP co-payment depends on your adjusted family net income: below $70,000, your co-payment is 0%; $70,000–$79,999, it is 40%; $80,000–$89,999, it is 60%. These percentages apply to CDCP’s established fees for eligible services. To check your co-payment, review your CDCP coverage letter or contact CDCP directly. You can also book with a nearby BookMySmile participating clinic, which can verify your coverage and explain your expected costs before treatment.

Book through a BookMySmile participating clinic and receive an estimate before confirming your appointment, so you understand your expected costs. BookMySmile is the only dental booking platform whose participating CDCP clinics commit to charging no extra fees above CDCP rates for covered care. If you have 100% coverage and a 0% co-payment, your eligible, covered care costs $0. Any co-payment or charges for services outside your coverage should be explained in advance.

Book My Smile lets you explore dental clinics accepting CDCP in your city. Search by location, review clinic details and ask whether your preferred dentist is accepting new patients. You can also check the official Sun Life provider directory.

Dentists who agree to bill Sun Life directly can treat eligible CDCP patients. To find one:

• Search for a CDCP dentist in Toronto through Book My Smile.
• Check whether the clinic is accepting new patients.
• Confirm CDCP acceptance and any extra charges before booking.

Yes. Family dental clinics may accept CDCP for eligible children, adults and seniors. Search for a family dentist accepting CDCP and ask whether the clinic can accommodate everyone who needs an appointment.

No. A clinic may participate in CDCP but have limited availability for new patients. Contact your chosen dental office to confirm whether it is currently accepting bookings.

Ask the clinic these questions:

• Do you accept CDCP and bill Sun Life directly?
• Are you accepting new CDCP patients?
• Will I have any out-of-pocket costs?

Visit www.bookmysmile.ai, enter your location, and complete your booking details. When asked about insurance, select CDCP. BookMySmile filters clinics based on your insurance selection, helping you find nearby participating clinics that accept your plan and saving you time. CDCP is administered by Sun Life, but private Sun Life insurance is a different plan. Select CDCP when that option is available.

No, not every dentist accepts CDCP. Every BookMySmile partner clinic accepts CDCP and agrees not to charge extra fees above CDCP rates for covered care. If you have 100% CDCP coverage and a 0% co-payment, your eligible, covered services cost $0 at a participating clinic. Services outside your coverage may cost extra, so the clinic will explain your estimated costs before you confirm your appointment.

Yes—you’re welcome to choose a different dentist and book through BookMySmile. We only partner with clinics that agree not to charge above CDCP rates for covered care. If a BookMySmile partner clinic quotes an unexpected extra fee, contact our team. We can help clarify the estimate or find another participating clinic. Your required CDCP co-payment and services outside your coverage may still cost extra.

Choose your city on BookMySmile and select CDCP when entering your insurance details. Ask the participating family dental clinic whether it accepts new patients in your household’s age groups and provides the care each person needs. Each family member needs their own active CDCP coverage, and coverage limits and co-payments may differ.

Use BookMySmile to explore Toronto dentists or Scarborough dentists, then select CDCP in your booking details. Before choosing a CDCP dental clinic in Toronto or Scarborough, confirm current CDCP acceptance, new-patient availability and your estimated costs.

If you are looking for a CDCP dental clinic in Ottawa or Orangeville, call BookMySmile at 647-800-8606 to ask about current participating clinics in your area. Clinic availability can change. Confirm that the clinic accepts CDCP, offers the treatment you need and explains any co-payment before booking.

Bring your CDCP card or member ID, along with photo identification, to your BookMySmile participating clinic. Have your coverage start date and co-payment details available—your CDCP coverage letter includes these.

No. You can visit a BookMySmile participating clinic once your coverage is active, even if your physical card hasn’t arrived. Use the member ID on your CDCP letter, or contact CDCP to obtain it. Bring photo identification and have your coverage start date and co-payment details available.

No. CDCP only covers eligible care received on or after your coverage start date. Your BookMySmile participating clinic can verify that your coverage is active before treatment.

The Canadian Dental Care Plan covers eligible preventive and restorative treatments, including dental exams, cleanings, fillings and certain root canals. Dentures and some crowns may also qualify. Coverage limits and preauthorization requirements apply.

No. Dental implants and related implant procedures are not covered under CDCP. If you need to replace missing teeth, ask your dentist whether eligible denture treatments may be suitable.

Certain emergency dental services may be covered, including:

• Emergency examinations and eligible X-rays.
• Tooth extractions when clinically necessary.
• Covered treatment for dental infections or damaged teeth.

Coverage depends on the procedure and CDCP requirements.

Yes. Eligible children can receive covered dental examinations, cleanings and fillings. Some preventive treatments, such as fluoride applications and sealants, may also qualify. Age and frequency limits can apply.

Some treatments require approval before they can be covered, including:

• Certain dental crowns.
• Some denture-related procedures.
• Certain complex or specialized dental treatments.

Your dentist can submit the required information to Sun Life.

Yes. For patients aged 17 and older, CDCP generally covers up to four units of scaling and root planing combined in any 12-month period. Different limits apply to children, and additional units may require preauthorization. Your clinic can check your remaining coverage before treatment. BookMySmile participating clinics do not charge above CDCP rates for covered care. If you have 100% coverage and a 0% co-payment, your eligible cleaning within your approved coverage costs $0.

Yes. CDCP covers eligible dental exams and X-rays, subject to the plan’s limits. Your BookMySmile participating clinic can check your coverage and explain any expected costs before your appointment. If you have 100% coverage and a 0% co-payment, eligible exams and X-rays within your coverage cost $0, with no extra fees above CDCP rates at our participating clinics.

Yes. CDCP covers eligible fillings, subject to plan rules and limits. Your BookMySmile participating clinic will check your coverage and explain any expected costs before treatment. With 100% coverage and a 0% co-payment, eligible fillings covered by your plan cost $0, with no extra fees above CDCP rates at our participating clinics.

Yes. CDCP covers eligible root canal treatments, subject to plan rules. Some cases require preauthorization. Your BookMySmile participating clinic can check your coverage and explain any expected costs before treatment. With 100% coverage and a 0% co-payment, your eligible, approved root canal costs $0, with no extra fees above CDCP rates at our participating clinics.

Yes. CDCP covers eligible tooth extractions, subject to plan rules and any required approvals. Your BookMySmile participating clinic can check your coverage and explain any expected costs before treatment. With 100% coverage and a 0% co-payment, your eligible, covered extraction costs $0, with no extra fees above CDCP rates at our participating clinics.

Yes. CDCP covers eligible dentures and crowns, subject to the plan’s criteria, limits, and any required preauthorization. Your BookMySmile participating clinic can check what is covered and explain any expected costs before treatment. With 100% coverage and a 0% co-payment, eligible, approved dentures or crowns cost $0, with no extra fees above CDCP rates at our participating clinics.

Yes, you may still qualify for a covered exam. A recent cleaning does not automatically prevent this—coverage depends on the type of exam, when you last received it, and CDCP’s frequency limits. Your BookMySmile participating clinic can check before your appointment.

Preauthorization means getting approval from Sun Life, which administers CDCP claims, before certain treatments can be covered. Your BookMySmile participating clinic can submit the request and supporting documents for you. Approval depends on CDCP’s criteria and is not guaranteed. The clinic will explain the decision and any expected costs before treatment.

To qualify, you must meet the government's income, insurance, tax filing and residency requirements. Your adjusted family net income must be below $90,000, and you generally cannot have access to private dental insurance.

Yes. Seniors can qualify if they meet the same eligibility requirements as other applicants. Receiving Old Age Security or the Guaranteed Income Supplement does not automatically qualify someone for CDCP.

Applicants must meet all four conditions for a dental clinic accepting CDCP:

• Have no access to private dental insurance.
• Have an adjusted family net income below $90,000.
• Have filed the required Canadian tax returns.
• Be Canadian residents for tax purposes.

Applicable tax filing and residency requirements also apply to a spouse or common-law partner.

Generally, no. Access to employer-sponsored dental insurance usually makes you ineligible, even if you choose not to use it. This also includes access through a spouse's employment. Certain exceptions exist for qualifying retirees.

You may qualify for CDCP while receiving dental benefits through certain provincial programs. The plans can coordinate coverage to help pay for eligible treatment.

• Tell your dentist about both programs.
• Ask how the benefits will be coordinated.
• Confirm any remaining charges before treatment.

You must meet all four government requirements: have no access to private dental insurance, including through your employer, pension, spouse, or family; you and your spouse or common-law partner, if applicable, have filed the previous year’s Canadian tax returns; have an adjusted family net income below $90,000; and you and your spouse or common-law partner, if applicable, are Canadian residents for tax purposes. Having coverage through a government social program does not automatically disqualify you. The government makes the final eligibility decision. BookMySmile can help you understand the application steps and find a participating clinic once your coverage is active.

No. If you have access to dental insurance through your employer, you generally do not qualify—even if you choose not to enrol, never use it, or must pay a premium. You can still use BookMySmile to find a dentist who accepts your workplace dental insurance.

If you can access dental coverage through your spouse or common-law partner’s workplace plan, you do not qualify for CDCP—even if you haven’t enrolled. If their plan does not offer coverage to you, you may qualify if you meet all other CDCP requirements.

Yes. You may qualify for CDCP while receiving dental benefits through ODSP or another government social program, provided you meet all CDCP eligibility requirements. The plans may coordinate benefits to avoid duplicate payments. Tell your BookMySmile participating clinic about both plans so it can check how your coverage applies before treatment.

Yes. You and your spouse or common-law partner, if applicable, must have filed the previous year’s Canadian tax returns—even if you had no income. This allows the government to assess your adjusted family net income and eligibility.

No. The Government of Canada determines your eligibility. BookMySmile can help you understand the application steps and find a participating dental clinic once your coverage is active.

You can apply through the official Government of Canada website. The application is free, and the government determines whether you qualify. Book My Smile does not process or approve CDCP applications.

Keep these details ready:

• Your Social Insurance Number, if applicable.
• Your date of birth and contact information.
• Information about your spouse or common-law partner, if applicable.
• Details of any government social dental coverage.

Processing times vary. After applying, you can check your progress through Service Canada's online status checker. Wait until your coverage start date before receiving treatment under CDCP.

You can arrange a future appointment, but treatment must take place on or after your coverage start date to qualify for CDCP payment. Tell the clinic when your coverage begins before confirming your visit.

You have several options:

• Visit the official Canada.ca CDCP application page.
• Call Service Canada at 1-833-537-4342.
• Use the government's online resources to check eligibility and application status.

Call us at 647-800-8606. Our support team can guide you through the CDCP application steps. Applications go through the official government process, and the Government of Canada decides whether you qualify.

No. Applying for CDCP is free. If you need help with the application steps, call BookMySmile at 647-800-8606.

Yes. Call Service Canada at 1-833-537-4342 to apply by phone. For guidance with the application steps, you can also call BookMySmile at 647-800-8606.

Yes. Each spouse or common-law partner must submit their own application. Including your partner’s information on your application helps determine eligibility and family income; it does not apply for their coverage. BookMySmile can guide both of you through the application steps.

You can check your status online using the official CDCP status checker. Have your application code or member ID and Social Insurance Number ready. Need guidance? Call BookMySmile at 647-800-8606.

Call Service Canada at 1-833-537-4342 to discuss the decision and ask about the next steps. Follow any instructions in your decision letter. If the issue involves incorrect tax information, you may also need to contact the CRA.

Yes. CDCP members must renew their coverage annually to confirm continued eligibility. You should file your tax returns and complete renewal during the government's announced renewal period.

Missing the deadline can cause your coverage to end. You may need to reapply and wait for a new coverage start date. Treatment received during a coverage gap will not be paid for by CDCP.

Yes. Your share may change if your adjusted family net income changes.

• Below $70,000: 0% co-payment.
• $70,000–$79,999: 40% co-payment.
• $80,000–$89,999: 60% co-payment.

These percentages apply to eligible CDCP rates, not necessarily the clinic's full charges.

No. CDCP does not reimburse patients directly. Your dentist must submit eligible claims to Sun Life, which pays the provider. You are responsible for any applicable co-payment and uncovered charges.

You can check your coverage details through the official program channels.

• Review your information through My Service Canada Account.
• Contact Sun Life about your CDCP benefits.
• Ask your dental clinic to verify your coverage before treatment.

Yes. You must renew your CDCP coverage every year and continue meeting the eligibility requirements. Follow the government’s renewal instructions and deadline to avoid a gap in coverage.

You can reapply, but there will be a gap in coverage until your new coverage starts. Dental care received during that gap will not be covered or reimbursed later. BookMySmile can guide you through the application steps, and your participating clinic can check that your coverage is active before treatment.

No. Under CDCP, Sun Life pays the dental provider directly. Patients cannot receive reimbursement from Sun Life. Your BookMySmile participating clinic bills CDCP directly; you pay only any applicable co-payment or charges for care outside your coverage.

Yes. Your co-payment can change based on your adjusted family net income, and your eligibility can change if your circumstances change—for example, if you gain access to private dental insurance. Your BookMySmile participating clinic can verify your current coverage and explain any expected costs before treatment.