Canadian Dental Care Plan (CDCP)
- Accepting new CDCP patients, with no waitlist to get started.
- We bill Sun Life directly, so covered care can cost you nothing.
- Care led by Dr. Amin Salehi, welcoming every age with warmth.
- 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 expert management of Dr. Ebrahim Amin Salehi, our clinic on Finch Ave serves the North York and Richmond Hill communities with multilingual support and compassionate care for all patients, including refugees covered under IFHP (Interim Federal Health Program).
Who is Eligible for the CDCP?
Understanding CDCP eligibility is crucial for determining if you qualify for this government dental plan. This program is designed for the low-income Canadian citizens who are not covered by any insurance plans. 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
2025 Expansion
- All adults 18-64 now eligible (May 2025)
- Seniors 65+ priority access continues
- Children and persons with disabilities included
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:
Root Canal
Endodontic treatments to save teeth
Teeth Cleaning
Professional teeth cleaning and polishing
Emergency Care
Urgent dental treatment when needed
Dental Exam
Complete dental examination and X-ray
Denture
Full and partial denture services
Extractions
When needed to protect your oral health
X-Rays
To help diagnose and plan your treatment
Dental Fillings
To restore damaged or decayed teeth
Dental Crowns
Preauthorization required
Dental Bridges
Preauthorization required
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
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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.
Need Help with Your Application?
Our friendly staff at Pearl Dental Group in North York can guide you through the CDCP application process and answer any questions you may have.
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
We bill Sun Life directly for your covered treatment, so there is no upfront payment and no paperwork.
Reduced Barriers for Seniors
Canadian dental care plan for seniors prioritizes 65+ with comprehensive 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 to 2028
Your CDCP coverage must be renewed each year to keep your dental benefits active. Here is what you need to know for this year.
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:
- Â 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
Finding a CDCP dentist near me in North York, Toronto is easy! 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 conveniently located near the Finch Street corridor, serving patients with CDCP in North York and Richmond Hill areas. Experience comprehensive dental services under the Canadian Dental Care Plan with a top dentist in North York at Pearl Dental Group.
- Conveniently located on Finch Street serving North York and Richmond Hill
- Expert management by Dr. Ebrahim Amin Salehi
- Accept all insurances including CDCP and IFHP for refugees
- Multilingual staff providing compassionate, inclusive care
- Direct billing to Sun Life CDCP
Why Choose Pearl Dental Group?
Some of our Reviews from Google
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 orthodontics 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
The Canadian Dental Care Plan for seniors (65+) who were among the first priority groups to receive coverage, recognizing that many retirees lack employer-based dental insurance. Here’s what seniors need to know:
Comprehensive Dental Care for Canadian Seniors
Key Points for Seniors:
- Priority access to the senior dental plan Canada
- Coverage for preventative care helps maintain oral health in aging populations
- Denture coverage available (does CDCP cover dentures? Yes, for eligible seniors)
- Co-payment varies based on income bracket
- Annual renewal required to maintain benefits
Dr. Ebrahim Amin Salehi 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.
