CDCP Dentist in North York
- Accepting new CDCP patients, with no waitlist to get started.
- We bill Sun Life directly, so you pay only your co-payment, if any.
- Care led by Dr. Ebrahim Aminsalehi, welcoming every age.
- We help you get the most from your CDCP coverage.
- Same day appointments when you are in pain and need to be seen.
- Farsi and English spoken, so every step is clear before you begin.
Book Your Dental Appointment
- Always Available for Dental Emergencies
- Tuesday - Saturday: 10:00 AM - 6:00 PM
- Sunday: 10:00 AM - 4:00 PM (By Appointment Only)
What is the Canadian Dental Care Plan (CDCP)?
The Canadian Dental Care Plan is a federal government initiative designed to provide affordable dental care to uninsured Canadians. Administered by Sun Life on behalf of the Government of Canada, the CDCP helps eligible residents access essential dental services.
At Pearl Dental Group in North York, Toronto, we proudly accept the CDCP and work directly with Sun Life to make your dental care seamless. Under the direction of Dr. Ebrahim Aminsalehi, our clinic on Finch Avenue West serves North York and Richmond Hill communities with multilingual support and compassionate care for all patients, including refugees covered under IFHP (Interim Federal Health Program).
Pearl Dental Group Welcomes CDCP Patients
Our North York dental office on Finch Avenue West is now welcoming new CDCP patients. Our five dentists bring more than 30 years of experience, each focused on a different area of dentistry and covering almost all of the treatments the plan pays for.
Who is Eligible for the CDCP?
Understanding CDCP eligibility is crucial for determining if you qualify for this government dental plan. his program is designed for Canadian residents on lower incomes who do not have access to private dental insurance. Receive exceptional care under the Canadian Dental Care Plan (CDCP) from your trusted family dentist in Toronto at Pearl Dental Group.
Income Requirements
Adjusted family net income under $90,000
Canadian Resident
Must be a resident of Canada
No Private Insurance
No access to private dental insurance
Citizenship Status
Canadian citizen, permanent resident, or protected person
Basic Requirements
What Services Does the CDCP Cover?
The CDCP coverage is comprehensive, addressing a wide range of dental needs. The plan follows an official fee guide that outlines which services are included and how much is covered. Here’s what’s included under the Sun Life CDCP fee guide 2026:
| Service Category 1: Diagnostic and Preventive | ||
| Specific Services | Preauthorization Required | |
| Dental exams (complete, routine, specific, emergency) | No | |
| X-rays | No | |
| Cleaning (scaling) | No | |
| Fluoride applications | No | |
| Sealants | No | |
| Service Category 2: Basic Services | ||
| Specific Services | Preauthorization Required | |
| Restorative | Permanent fillings | No |
| Temporary fillings | No | |
| Pain control for diseased teeth | No | |
| Other treatments for cavities | No | |
| Endodontic | Root canal treatments | No |
| Pulpectomies (first step of a root canal treatment) | No | |
| Procedures to reduce infection and relieve pain | No | |
| Re-treatment of previously completed root canal treatment | Yes | |
| Periodontal | Cleaning under the gumline | No |
| Treating abscesses | No | |
| Bonding for mobile teeth | Yes | |
| Post-surgical evaluations | Yes | |
| Non-surgical gum disease management | No | |
| Service Category 3: Major Services | ||
| Specific Services | Preauthorization Required | |
| Restorative | Posts and post removal | No |
| Repairs to crowns and re-bonding of crowns and posts | No | |
| Crowns | Yes | |
| Cores (to support crowns) | Yes | |
| Posts for crowns | Yes | |
| Removable Prosthodontic | Complete dentures (standard and temporary) | No |
| Denture repairs, relines, and rebases | No | |
| Placing lining in dentures to condition oral tissues | No | |
| Complete immediate and overdentures | Yes | |
| Partial dentures | Yes | |
| Oral Surgery | Removal of teeth and roots | No |
| Surgical removal of tumors and cysts | No | |
| Surgical incisions (including draining) | No | |
| Treatments for broken jaw bones | No | |
| Service Category 4: Anesthesia or Sedation | ||
| Specific Services | Preauthorization Required | |
| Minimal sedation (conscious) | No | |
| Moderate sedation | Yes | |
| Deep sedation | Yes | |
| General anesthesia | Yes | |
The Canadian Dental Care Plan covers a comprehensive range of dental services to keep your smile healthy.
Covered Services
Diagnostic & Preventive Services
Regular check-ups, professional cleanings, X-rays, fluoride treatments, and oral health assessments. No pre-authorization required.
Basic Services
Fillings, simple extractions, root canals, and periodontal (gum) treatments. May require pre-authorization for certain procedures.
Major Services
Crowns, bridges, complete and partial dentures. Pre-authorization typically required before treatment begins.
Not Covered
- Cosmetic dentistry (veneers, bonding)
- Teeth whitening treatments
- Most orthodontics (braces)*
- Some dental implants
- Elective procedures
*Some exceptions may apply for children
Need treatment that’s not covered? Contact our clinic for guidance and alternative payment options.
How to Apply for the Canadian Dental Care Plan
Follow these simple steps to apply for CDCP coverage and start accessing affordable dental care.
CDCP Coverage Details
Receive exceptional dental care under the Canadian Dental Care Plan from a skilled dentist in Toronto at Pearl Dental Group. The CDCP is designed to cover a large portion of dental costs for eligible individuals, with coverage varying by income level.
Coverage Levels:
- Income under $70,000
- Income between $70,000 and $79,999
- Income between $80,000 and $89,999
Co-Payment Breakdown:
Co-payments are the share of costs you must pay. The breakdown is as follows:
| Adjusted Family Net Income | CDCP Coverage | Co-Payment Responsibility |
| Less than $70,000 | 100% | 0% |
| $70,000 – $79,999 | 60% | 40% |
| $80,000 – $89,999 | 40% | 60% |
Benefits of the Canadian Dental Care Plan: Why It Matters for North York Families
The CDCP provides substantial financial relief and improved access to dental care. Here’s why it’s transforming oral health in Canada:
100% Preventive Coverage
Checkups, cleanings, X-rays and fluoride are fully covered for incomes under $70,000, with no co-payment.
Reduced Barriers for Seniors
Seniors aged 65 and over were among the first groups eligible, with coverage including dentures and major restorations.
Direct Billing to Sun Life
We bill Sun Life directly for your covered treatment, so there is no upfront payment and no chasing reimbursements. You focus on your teeth, we handle the paperwork.
Income-Based Co-Pays
Co-payments range from 0% to 60% based on your adjusted family net income, making care affordable at every level.
How to Check Your CDCP Application Status
After submitting your application, you can track its progress using the Canadian Dental Care Plan status checker:
Online Status Checker
Check your status anytime using the Canadian Dental Care Plan status checker in your MSCA.
By Phone
Call the CDCP helpline at 1-833-537-4342 (TTY 1-833-677-6262), 8:30 am to 4:30 pm (local time), Monday to Friday.
In Person
Visit your local Service Canada office with your SIN and application code.
Application Status Types
- Received: Application submitted successfully
- Processing: Under review by Sun Life
- Approved: Coverage is active
- Pending Info: Additional documents required
- Denied: Application declined (can appeal)
After Approval: What Happens Next? From Card to Care in North York
Once your CDCP application is approved, you’ll receive your Sun Life CDCP card by mail within 3 weeks. Here’s what to do next:
- Receive Welcome Package. Sun Life will mail you a welcome package with your CDCP card and coverage details.
- Find CDCP dentists near you using the Sun Life CDCP provider search tool.
- Book Your Appointment at Pearl Dental Group to schedule your first dental visit under CDCP coverage.
- Present your CDCP card at Pearl Dental Group in North York for direct billing.
- Bring Your CDCP Card at every appointment for proper billing and coverage verification.
Renewing Your CDCP Coverage for 2027
Your CDCP coverage must be renewed each year to keep your dental benefits active. Here is what you need to know for the 2027 renewal.
Important 2027 Renewal Information
- Renewal period: April 15 to June 1, 2027
- Current coverage stays active until June 30, 2027, and ends on that date if you do not renew in time
- Renewal is based on your most recent tax return filed with CRA
- You must still meet all four eligibility rules (no private dental insurance, tax return filed, family net income under $90,000, Canadian resident for tax purposes)
- If your coverage lapses, there will be a gap and dental work done in that gap will not be reimbursed
How to Renew:
- Log into your My Service Canada Account (MSCA account login) between April 15 and June 1, 2027
- Confirm your SIN, CDCP member ID, name, date of birth, and address are up to date
- Make sure your previous year’s tax return has been filed with CRA
- Submit your renewal; confirmation will arrive by mail
Set a reminder for mid April so you have time before the June 1 deadline. For renewal assistance, contact Service Canada at the Sun Life CDCP phone number: 1-833-537-4342.
Need more detail? Our full 2027 CDCP renewal guide covers every rule, deadline, and document in one place.
Finding a CDCP Dentist Near You
Not every clinic in North York accepts the CDCP, so it is worth checking before you book. Not all dental clinics accept the CDCP, so it’s essential to verify before booking an appointment. Pearl Dental Group is proud to be a CDCP participating dentist on Finch Avenue West, serving patients with CDCP in North York and Richmond Hill areas. Experience comprehensive dental services under the Canadian Dental Care Plan with a dentist in North York at Pearl Dental Group.
- Conveniently located on Finch Street serving North York and Richmond Hill
- Expert management by Dr. Ebrahim Aminsalehi
- We accept CDCP, NIHB, IFHP and most major insurance plans
- Multilingual staff providing compassionate, inclusive care
- Direct billing to Sun Life CDCP
Why Choose Pearl Dental Group?
Limitations of the CDCP (What's Not Covered)
While the CDCP dental coverage is comprehensive, there are some exclusions to be aware of:
Cosmetic dentistry
Teeth whitening, veneers, and other aesthetic-only treatments are not covered. These remain out-of-pocket expenses.
Dental Implants
Currently, the CDCP does not cover dental implants. Bridges and dentures are covered alternatives for tooth replacement.
Pre-Authorization Requirements
Major services like crowns and dentures require pre-authorization from Sun Life. Our clinic handles this process for you.
No Retroactive Claims
Services performed before your CDCP approval date cannot be billed to the plan. Ensure your coverage is active before treatment.
Have questions about what’s covered? Contact Pearl Dental Group in North York, Toronto for a personalized quote at (647) 800-0318
CDCP Coverage for Seniors in Canada
Seniors aged 65 and over were among the first priority groups to receive CDCP coverage, since many retirees have no employer dental insurance.
Comprehensive Dental Care for Canadian Seniors
Key Points for Seniors:
- Seniors were among the first groups eligible
- Coverage for preventative care helps maintain oral health in aging populations
- Dentures are covered for eligible seniors
- Co-payment varies based on income bracket
- Annual renewal required to maintain benefits
Dr. Ebrahim Aminsalehi has extensive experience working with senior patients and understands the unique dental needs of older adults. Pearl Dental Group welcomes all seniors enrolled in the CDCP. Our experienced team provides compassionate care tailored to your needs.
FAQs About CDCP
The CDCP encompasses a range of preventive, basic, and major dental procedures, including examinations, cleanings, fillings, extractions, root canals, and certain prosthodontic treatments, like crowns, bridges and dentures, when deemed necessary by our dental professionals. Select services may require preauthorization from Sun Life. Pearl Dental Group facilitates direct claim submissions for covered services.
For individuals with an adjusted family net income under $70,000, there is no co-payment for CDCP-covered services. A 40% co-payment applies to incomes between $70,000 and $79,999, and a 60% co-payment for incomes between $80,000 and $89,999. Pearl Dental Group is committed to providing transparent cost estimates prior to treatment.
For treatments necessitating preauthorization, such as certain prosthodontic restorations, Pearl Dental Group streamlines the process by submitting comprehensive documentation on the patient’s behalf. Our expertise ensures accurate submissions to minimize delays in obtaining approval from Sun Life.
Yes, the CDCP provides coverage for emergency dental examinations and essential treatments for urgent conditions. Pearl Dental Group offers same-day emergency appointments and direct billing to Sun Life to alleviate immediate financial concerns for eligible patients.
Pearl Dental Group distinguishes itself through extensive experience, advanced dental technologies, a patient-focused approach, direct CDCP billing, multilingual staff, and convenient appointment scheduling. Our clinic is dedicated to providing accessible, high-quality dental care to CDCP beneficiaries.
While the annual renewal of CDCP coverage is the responsibility of the beneficiary through their My Service Canada Account or by contacting the designated service line, Pearl Dental Group can provide guidance on the renewal process and verify your continued eligibility prior to appointments. Presenting your updated determination letter ensures uninterrupted coverage.
