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We're a Proud CDCP Provider

Canadian Dental
Care Plan —
You May Qualify.

The CDCP is a federal government program making dental care affordable for Canadians without private insurance. If you're eligible, your care at For Your Smile Dental may be fully or partially covered.

Check Eligibility → Book a CDCP Appointment
9M+
Canadians eligible
$90K
Household income limit
100%
Covered under $70K
✅
We accept CDCP
🦷
What's Covered at Our Clinic
Via Sun Life · Administered by Health Canada
✅Dental exams & oral assessments
✅Professional cleanings & scaling
✅X-rays & digital imaging
✅Fluoride treatments & sealants
✅Fillings & restorative care
✅Root canal therapy (RCT)
✅Periodontal (gum) treatment
✅Emergency dental assessments
✅Extractions & oral surgery
Book with CDCP Official Info ↗
Who Qualifies

Do You Qualify
for CDCP?

To be eligible for the Canadian Dental Care Plan, you must meet all four of the following requirements. If you're unsure, our team will help you verify your coverage before any treatment begins.

🇨🇦
Canadian Resident
You must be a Canadian resident with a valid Social Insurance Number (SIN).
💰
Income Under $90,000
Your adjusted household net income (AFNI) must be below $90,000/year based on your latest tax return.
🚫
No Private Dental Insurance
You must not have access to private or employer-sponsored dental insurance — even if you haven't used it.
📋
Filed Your Tax Return
You and your spouse (if applicable) must have filed your income tax return for the prior year with CRA.
⚠️ Important: If you have employer dental coverage and choose to opt out, you are not eligible for CDCP. Declining available coverage does not qualify you for the plan.
Quick Eligibility Check
Answer 4 questions to see if you may qualify
1. Are you a Canadian resident?
2. Is your household income under $90,000/year?
3. Do you have access to private or employer dental insurance?
4. Have you filed your income tax return for the last year?
What's Covered

Services Covered
at Our Clinic

The CDCP covers a comprehensive range of preventive, restorative, and emergency dental services. Below is what's available through our clinic — some complex treatments may require preauthorization through Sun Life before we proceed.

🔒 Preauthorization Required For
Crowns, partial dentures, complete dentures, and certain periodontal treatments require preauthorization from Sun Life before work begins. We handle this process for you — just let us know you're using CDCP when you book.
❌ Not Covered by CDCP
✗
Teeth whitening & bleaching
✗
Cosmetic veneers (non-medical)
✗
Dental implants (not listed)
✗
Orthodontics (except medically necessary cases from late 2025)
✗
Services beyond frequency limits (without preauthorization)
✗
Any procedure not deemed clinically necessary
Some services above the CDCP fee grid may be balance-billed. We'll always inform you of any out-of-pocket costs before beginning treatment.
🛡️
Preventive & Diagnostic
  • ✓
    Complete & routine dental exams
  • ✓
    Emergency oral exams
  • ✓
    Intraoral & panoramic X-rays
  • ✓
    Professional scaling & cleaning
  • ✓
    Fluoride treatments
  • ✓
    Pit & fissure sealants (children)
  • ✓
    Oral hygiene instruction
🔧
Basic Restorative
  • ✓
    Permanent & temporary fillings
  • ✓
    Stainless steel crowns (primary teeth)
  • ✓
    Posts & cores (with preauth)
  • ✓
    Prefabricated crowns (with preauth)
  • ✓
    Broken tooth repair
  • ✓
    Pain management (pulp capping)
🪛
Endodontic (Root Canal)
⚡
Periodontal, Surgery & Emergency
Understanding Your Costs

How Much Will
You Pay?

Your co-payment is based on your adjusted family net income (AFNI). Families under $70,000/year pay nothing — the government covers it all. Between $70,000–$89,999, you pay a percentage directly to our clinic on top of what CDCP reimburses.

Household Income (AFNI)
Your Co-Pay
Government Covers
Under $70,000 / year
$0 — Free
100%
$70,000 – $79,999
40% co-pay
60%
$80,000 – $89,999
60% co-pay
40%
$90,000 or more
Not eligible
—
💡 Note: The CDCP fee grid may be lower than our standard fees. You may also owe a balance for any difference — we will always tell you upfront before starting treatment.
Real-World Examples
👩 Maria — Single mother, 2 kids
Income: $58,000/yr
Maria qualifies for full coverage. Her family's checkups, X-rays, and cleanings are completely covered by the CDCP — no out-of-pocket cost.
Annual family checkup + cleaning (×3)
$0
👨 James — Self-employed
Income: $74,000/yr
James has a 40% co-pay. For a $200 CDCP-fee cleaning, the government covers $120 and James pays $80 directly to us at the appointment.
Cleaning ($200 CDCP fee)
$80
👴 Robert — Retired senior
Income: $83,000/yr
Robert has a 60% co-pay. For a root canal with a $900 CDCP fee, the government pays $360 and Robert pays $540 — still a significant saving.
Root canal ($900 CDCP fee)
$540
Step by Step

How to Use Your CDCP
at Our Clinic

Using your CDCP coverage at For Your Smile Dental is straightforward. Here's exactly what happens from the moment you book.

1
📱
Apply for CDCP
Register through My Service Canada Account online or call 1-833-537-4342. You'll receive a confirmation when approved.
2
📅
Book With Us
Call us or book online — let us know you're a CDCP member. We'll verify your active coverage with Sun Life before your visit.
3
🦷
Receive Treatment
Come in for your appointment. We'll discuss all costs upfront — including any co-pay or balance billing — before we begin.
4
💳
We Bill Sun Life
We submit your claim directly to Sun Life. You only pay your co-pay (if any) — no forms to fill, no reimbursement chasing.
Key Dates

Important CDCP Dates
for 2026

⚠️ Urgent — Act Now
April 14, 2026
Last day to apply for 2025–2026
Applications for the current benefit year close on April 14, 2026. If you haven't applied yet, do so immediately to receive any coverage this year.
🔄 Renew Now
April 15 – June 1, 2026
Renewal window for 2026–2027
Existing CDCP members must renew their coverage during this window. Miss it and your coverage ends June 30, 2026 — no retroactive coverage.
🆕 New Applications
June 2, 2026
2026–2027 applications open
New applicants can apply for the 2026–2027 benefit year starting June 2, 2026. Coverage begins once your application is processed and approved.
📬 Reminder: Always verify your CDCP coverage is active before booking any appointment. Coverage start dates vary per applicant. Call us at 587-330-3000 and we'll check your status with Sun Life on your behalf.
Common Questions

CDCP FAQ

Can I use CDCP at For Your Smile Dental? ▼
Yes — we are a registered CDCP provider. We bill Sun Life directly on your behalf. Simply let us know you're a CDCP member when you book and we'll verify your coverage before your appointment.
I have employer dental insurance — can I still qualify? ▼
No. If you have access to private or employer dental insurance — even if you haven't used it or have chosen not to use it — you are not eligible for CDCP. Declining available coverage does not make you eligible.
What is balance billing? ▼
Balance billing is when the dentist's standard fee exceeds the CDCP fee grid amount. You may be charged the difference. We always inform patients of any balance billing before beginning treatment so there are no surprises.
Does my income change every year for CDCP? ▼
Yes. Your co-payment level is reassessed each year at renewal based on your most recent tax return. Your co-pay percentage may increase or decrease depending on your household income for that year.
Is root canal therapy (RCT) covered? ▼
Yes — root canal therapy on anterior, premolar, and molar teeth is covered under the CDCP. As a CDCP provider offering AI-supported diagnostics, we can efficiently assess and treat infected teeth using your CDCP benefits.
Can my children use CDCP at your clinic? ▼
Yes. Children under 18 are eligible for CDCP provided the household meets the income and insurance requirements. Covered services for children include exams, X-rays, cleanings, fluoride, sealants, and fillings.
What if I need a crown or dentures? ▼
Crowns, partial dentures, and complete dentures are covered under CDCP but require preauthorization from Sun Life before treatment begins. We manage the preauthorization process on your behalf — just book a consultation and we'll take care of it.
How do I check if my CDCP coverage is active? ▼
You can check your coverage status through your My Service Canada Account (MSCA) online. Alternatively, call us at 587-330-3000 — we can verify your active coverage status through Sun Life's system before your appointment.
Is Guided Biofilm Therapy (GBT) covered? ▼
GBT falls under professional cleaning and scaling, which is covered by CDCP. It's included as part of our preventive care offering. We use GBT as our preferred cleaning method — you benefit from the most advanced technique at no additional CDCP cost.
I missed the renewal deadline — what now? ▼
If you miss the June 1, 2026 renewal deadline, your coverage ends June 30, 2026. Services received after that date will not be covered retroactively. You'll need to submit a new application when the next benefit year opens on June 2, 2026.
We're a Proud CDCP Provider

Ready to Book Your
CDCP Appointment?

Don't let cost be a barrier to your oral health. If you're eligible for the Canadian Dental Care Plan, we'll make sure your visit is as seamless and affordable as possible — from coverage verification to treatment completion.

Book a CDCP Appointment → 📞 Call 587-330-3000
✅We verify your coverage for you
💬No surprise costs — ever
🦷AI-supported diagnostics included
🇨🇦100% Canadian owned clinic