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Canadian Dental Care Plan (CDCP)

Reviewed by Dr. Reza Barimani, DDS. Information verified against Canada.ca on August 9, 2026.

Golden Mile Dental accepts patients covered by the Canadian Dental Care Plan (CDCP), a federal program that helps cover the cost of oral health care for eligible Canadian residents. We are a dental office in Scarborough and we submit CDCP claims directly to Sun Life, so covered treatment does not need to be paid for upfront.

CDCP Renewals are Open

CDCP Applications for 2026-2027 Are Open

Applications for the 2026-2027 benefit year are open now. If you have never had CDCP coverage, you can apply at any time.

The renewal period for existing members closed on June 1, 2026. Renewals for the 2027-2028 benefit year will open in spring 2027.

The CDCP runs on a benefit year that ends every June 30. If you are already a member, you must renew each year to confirm that you still meet the eligibility requirements.

Renewing your Coverage after the Renewal Period

If you missed the renewal deadline

If you had CDCP coverage for the 2025-2026 benefit year and did not renew by June 1, 2026, your coverage has ended. You can still submit a new application for the 2026-2027 benefit year, with two things to keep in mind:

  • There will be a gap in your coverage until the new application is approved.
  • Any dental care you receive during that gap will not be covered and will not be reimbursed retroactively.

Submit a new application

Who Qualifies for the CDCP

To qualify for the CDCP, whether you are applying for the first time or renewing, 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
  • A list of any dental coverage you receive through a government social program (if applicable)
  • Confirmation that you and your spouse or common-law partner filed last year’s tax return and received your notice of assessment

New Age Update!

Everyone Who Qualifies Can Apply

The phased rollout by age group finished in 2025. The CDCP is now open to every Canadian resident who meets the four eligibility requirements, at any age. There is no waiting period tied to your date of birth and no application window to watch for.

How do I apply for the CDCP?

You apply for the CDCP directly through the Government of Canada, not through a dental office. There are two ways to do it. You can apply online through your My Service Canada Account (MSCA), or you can call Service Canada at 1-833-537-4342 (TTY 1-833-677-6262) to apply by phone. Applications for the 2026-2027 benefit year are open now, and there is no age restriction or application window.

Before you start, make sure you have your Social Insurance Number, date of birth, home and mailing address, and a list of any dental coverage you receive through a government social program. You and your spouse or common-law partner must have filed your previous year’s tax return and received your notice of assessment.

If you have questions about what your CDCP coverage includes at our office, call us at (647) 490-6888 and we will walk you through it before you book.

We look forward to seeing you at the Golden Mile Dental Clinic!

.If you already benefit from other government dental programs

You can still get the CDCP even if you already have dental care through a provincial, territorial, or federal government program. If you meet all the requirements, your coverage will be coordinated between the plans to make sure there are no gaps or duplicate coverage.

Dental Services Covered by the CDCP at Our Scarborough Clinic

At Golden Mile Dental, we offer various dental services and everything you need for healthy teeth under the Canadian Dental Care Plan. These services include preventive, restorative, periodontic, endodontic and prosthodontic services.

Our clinic has a modern and relaxing environment where you can feel comfortable through all the stages of your dental care. The staff at our office are friendly and make sure you have a stress-free dental experience as soon as you walk into the clinic.

CDCP Toronto

Looking for a CDCP Dentist Near You in Scarborough

Golden Mile Dental accepts patients covered by the Canadian Dental Care Plan at our Scarborough office on Bertrand Avenue. We submit claims to Sun Life on your behalf, so you are not asked to pay the full cost of covered treatment upfront. Below is a breakdown of which services the plan covers, which ones need preauthorization first, and what you may still owe at the end of a visit.

Preventive Dental Care

Preventive and diagnostic care is the part of the plan with the broadest coverage and the fewest restrictions. These services help catch problems while they are still small. Covered under the CDCP:

Diagnostic Services

With our diagnostic services offered affordably under the CDCP plan, we make sure that any potential oral health problem is identified. This also helps us diagnose any existing dental issue and make the necessary interventions:

  • Oral Examinations
  • X-rays

Restorative Dental Care

If your teeth are damaged because of tooth decay or other issues, our restorative services help you regain the health and beauty of your smile. Our restorative services under CDCP include:

  • Permanent and Temporary Dental Fillings
  • Pain Management
  • Treatment for cavities
  • Dental Crowns
  • Posts and Cores for Crowns

Endodontic Dental Care

We treat the problems inside the tooth, such as infected pulp or damaged roots, through procedures like root canals and pulp therapy.

  • Root Canal Treatment
  • Pulpectomies
  • Retreatment of Root Canals

Periodontal Dental Care

Our periodontal services under CDCP include preventing, diagnosing and treating gum disease and any other condition that affects the gums and supporting structures of the teeth.

  • Scaling
  • Gum disease management
  • Abscesses Treatment

Prosthodontic Dental Care

The CDCP covers removable prosthodontics, which replace missing teeth with appliances you can take out. Fixed options such as bridges and dental implants are not covered by the plan.

  • Complete dentures, standard and temporary
  • Denture repairs, relines and rebases
  • Tissue conditioning liners
  • Complete immediate dentures and overdentures (preauthorization required)
  • Partial dentures (preauthorization required)

Oral Surgery

Treats complex dental issues, including extraction of teeth, removal of tumors, and surgical procedures related to the jaws and facial structures.

  • Tooth extraction
  • Surgical removal of tumours and cysts
  • Treatment for broken jaw bones
  • Surgical incisions

Anesthesia and Sedation Services

Additional services are provided in support of other treatments, including various levels of sedation and anesthesia.

  • Minimal, moderate, and deep sedation
  • General anesthesia

Orthodontic Services

Orthodontic services are not available under the CDCP yet. The Government of Canada has confirmed that a specific range of orthodontic services will be added at a future date that has not been announced. When they are added, preauthorization will be required. If you are considering treatment now, our orthodontic options in Scarborough are available on a private-fee basis.

Dr. Reza Barimani and the team at Golden Mile Dental provide these services at our Bertrand Avenue office. If you are unsure whether a treatment you need is covered, call us and we will check your plan details before you book.

Canadian Dental Care Plan (CDCP)

How CDCP Covers Your Dental Expenses?

The CDCP will cover a percentage of your dental care expenses. The coverage depends on your family’s net income. You may need to pay a part of the expenses yourself based on your income level.


Our fees are based on the (ODA Fee Guide)


If your income is lower than $70,000:

If your adjusted family net income is lower than $70,000, the CDCP will cover 100% of eligible oral health care service costs at the established fees, and you won’t be responsible for any co-payments.

If your income is between $70,000 and $79,999

If your adjusted family net income falls between $70,000 and $79,999, the CDCP will cover 60% of eligible oral healthcare service costs at the established fees, and you will be responsible for the remaining 40%.

If your income is between $80,000 and $89,999

If your adjusted family net income falls between $80,000 and $89,999, the CDCP will cover 40% of eligible oral healthcare service costs at the established fees, and you will be responsible for the remaining 60%.

Are there additional charges I should be aware of?

You may incur additional charges if:

  • The cost of your oral health care services exceeds what the CDCP will reimburse based on the established fees.
  • You agree to receive care that the plan doesn’t cover.

Before receiving oral health care, you can discuss any costs that won’t be covered by the plan with us.

The CDCP lowers the cost of routine and restorative dental care for households that do not have private insurance. Golden Mile Dental accepts CDCP patients of all ages, including children and seniors, at our Scarborough office.

Benefits of the CDCP

The benefits of the Canadian Dental Care Plan (CDCP) include:

  1. Broad range of covered services: The plan pays a portion of the cost for diagnostic, preventive, restorative, endodontic, periodontal, prosthodontic and oral surgery services, plus sedation and anesthesia. Some of these require preauthorization.

  2. Lower out-of-pocket cost: How much you pay depends on your adjusted family net income. Below $70,000 there is no co-payment on CDCP established fees.

  3. Wide provider choice: Participation in the CDCP is voluntary and there is no restricted network. Any licensed dentist, denturist, dental hygienist or dental specialist can bill the plan, either by signing up with Sun Life or by submitting claims case by case. You can find participating providers through Sun Life’s CDCP provider search.

  4. Preventive Services: The CDCP emphasizes preventive care, covering routine check-ups, cleanings, and screenings to detect and address oral health issues early, helping to prevent more serious problems from developing in the future.

  5. Urgent and emergency visits:The plan covers emergency and specific examinations, along with pain control for diseased teeth. Coverage for the treatment that follows depends on the procedure, and some options need preauthorization. See our emergency dentist in Scarborough page.
CDCP Scarborough

FAQs about the Canadian Dental Care Plan (CDCP)

To qualify for the CDCP, you must be a Canadian resident for tax purposes, have an adjusted family net income of less than $90,000, and not have access to dental insurance.

The CDCP covers a wide range of oral health care services, including preventive, diagnostic, restorative, endodontic, periodontal, prosthodontic, and oral surgery services.

The CDCP reimburses a percentage of the cost based on established fees and adjusted family net income. Co-payments may apply based on income levels.

 For adjusted family net incomes lower than $70,000, the CDCP covers 100% of eligible oral health care service costs at the established fees. Between $70,000 and $79,999, the CDCP covers 60%, and between $80,000 and $89,999, it covers 40%.

Not at this time. Orthodontic services are not part of CDCP coverage. The Government of Canada has said a specific range of orthodontic services will be added at a date that has not yet been set, and preauthorization will be required once they are.

CDCP in Toronto At Golden Mile Dental

At Golden Mile Dental Clinic in Toronto (Scarborough), we proudly accept CDCP coverage, ensuring that patients can access affordable and quality dental care. At Golden Mile Dental, we pride ourselves on being your one-stop destination for all your dental needs in Scarborough. Our experienced team offers a comprehensive range of general and cosmetic dental services, including teeth whitening, dental veneers, dentures, dental implants, dental bonding, dental crown and bridge procedures, children’s dentistry, root canal therapy, wisdom tooth removal, and sedation dentistry.

Whether you’re looking to enhance your smile’s appearance or address oral health concerns, our skilled professionals are here to provide personalized care and exceptional results. With state-of-the-art technology and a commitment to patient comfort, Golden Mile Dental ensures that every visit is a positive and stress-free experience. Schedule your appointment today and experience the difference at Golden Mile Dental.

Dentist in Toronto who accepts CDCP coverage

As for Golden Mile Dental Clinic in Scarborough, it is a reputable dental practice that proudly accepts CDCP coverage. With a team of experienced dentists and staff, Golden Mile Dental Clinic provides a wide range of dental services, including preventive care, restorative treatments, cosmetic dentistry, and emergency services. Patients can trust that they will receive high-quality care in a welcoming and comfortable environment at Golden Mile Dental Clinic.

CDCP Scarborough