Canadian Dental Care Plan: frequently asked questions

Canadian residents for tax purposes who have no access to dental insurance, have an adjusted family net income under $90,000, and (with their spouse or partner) filed last year's tax return. Try our eligibility checker.

No. There is no fee to apply or renew. Apply only through canada.ca or Service Canada.

For applications, call Service Canada at 1-833-537-4342 (TTY 1-833-677-6262). For claims and coverage questions, call Sun Life's CDCP Contact Centre at 1-888-888-8110.

Possibly. Coverage from a provincial, territorial or federal social program does not necessarily disqualify you, and the plans may coordinate. Private insurance and health spending accounts that cover dental generally do disqualify you.

No. Each provider decides whether to accept CDCP patients. Always ask when you book. Our directory lists 589 clinics with evidence that they accept the plan.

Not necessarily. The government notes that not every participating provider appears in it. That's why we also check clinic websites for CDCP statements and show which source each listing comes from.

They are the two kinds of evidence we use. We show the date we last checked, and we never call a listing "verified" until we've confirmed it by phone or email. See our methodology.

For families with an adjusted net income under $70,000 there is no co-payment, but a clinic may still charge more than the CDCP fee. Between $70,000 and $89,999 you pay 40% or 60% of the CDCP fee. See costs and extra fees.

The government says CDCP fees may not be the same as what providers charge, and you may have to pay extra if the cost is more than the CDCP reimburses. Ask the clinic before treatment.

Yes. Complete and partial dentures, repairs, relines and rebases are covered. Some denture services need preauthorization. See what's covered.

Orthodontic services are not currently available under the CDCP.

No. Only providers are reimbursed. Make sure the clinic bills Sun Life directly.

Yes. Renewals for the 2027–2028 benefit period open in spring 2027. Each benefit period ends June 30. See the renewal guide.

You can apply again, but there will be a gap in coverage, and care during the gap isn't covered or reimbursed retroactively.