Canadian Dental Care Plan (CDCP)

The Canadian Dental Care Plan is a federal government program designed to make dental care more accessible and affordable for Canadians who do not have access to private dental insurance. At Dentistry On Yorkdale, Dr. B. Rosales Verzonilla and our team are proud to participate in the CDCP and welcome eligible patients at both of our Toronto locations. We believe that cost should never be a barrier to a healthy smile, and we are here to help you understand your benefits and get the care you need.

What Is the Canadian Dental Care Plan?

The Canadian Dental Care Plan (CDCP) is a publicly funded dental insurance program introduced by the Government of Canada to help cover the cost of dental services for eligible Canadian residents. The program is administered by Sun Life and is available to individuals and families who meet specific income and coverage criteria.

The CDCP was created in response to the reality that millions of Canadians go without necessary dental care each year because they cannot afford it and do not have employer-sponsored or private dental insurance. Untreated dental problems do not just affect the mouth — they are linked to serious systemic health conditions including heart disease, diabetes complications, respiratory infections, and adverse pregnancy outcomes. By removing financial barriers to dental care, the CDCP aims to improve both oral and overall health outcomes across the country.

The plan covers a range of preventive, diagnostic, restorative, and emergency dental services. It is not a replacement for private insurance — it is specifically designed for Canadians who have no access to dental coverage through an employer, a spouse's plan, a union, a professional association, or any other private source.

Your adjusted family net income must be under $90,000 per year, as reported on your most recent income tax return. The level of coverage you receive depends on your income bracket. Families with an adjusted net income under $70,000 pay no co-payments — the CDCP covers the full cost of eligible services. Families with an adjusted net income between $70,000 and $79,999 are responsible for a co-payment of 40 percent of the cost of eligible services. Families with an adjusted net income between $80,000 and $89,999 are responsible for a co-payment of 60 percent of the cost of eligible services.

Dental Care Delight
Visualize the perks of the Canadian Dental Care Plan with fun graphics!

Frequently Asked Questions About the CDCP

No. The CDCP is a publicly funded program administered by Sun Life on behalf of the Government of Canada. It is designed specifically for Canadians who do not have access to any form of private dental insurance. It functions differently from employer-sponsored or individually purchased plans, with its own coverage guidelines, benefit grid, and co-payment structure.

No referral is needed. Once you have your Sun Life CDCP member card, you can call our office directly to book an appointment. Simply let us know that you are a CDCP member when you call.

It depends on your income bracket. If your adjusted family net income is under $70,000, there is no co-payment — covered services are fully paid by the CDCP. If your income is between $70,000 and $79,999, you pay 40 percent. If your income is between $80,000 and $89,999, you pay 60 percent. We will always confirm your co-payment amount before beginning treatment.

No. The CDCP is only available to individuals who do not have access to any private dental insurance. This includes coverage available through an employer, a spouse or partner, a union, a professional association, or any individually purchased plan — even if you are not currently enrolled in that coverage.

Processing times vary, but most applications are reviewed within a few weeks. You will receive your Sun Life member card by mail once your application is approved. If you have not received your card and believe you should have, contact Service Canada at 1-833-537-4342 for an update.

Yes. Each eligible family member must apply individually, but the entire family can be covered if each person meets the eligibility criteria. Children under 18 are applied for by a parent or guardian.

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Business Hours

Dentistry On Yorkdale:
(Mon to Sat 9 am to 5 pm, Sun Closed)
(416) 653-9648

St Clair West Dental Office: 
(Wed, Fri & Sat 9 am to 5 pm, Other Days Closed)
(416) 653-3368

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