Introduced in December 2023, the Canadian Dental Care Plan (CDCP) offers dental care coverage to Canadian residents with an adjusted family net income under $90,000 annually who do not have private dental insurance. The program is expected to benefit up to 9 million Canadians by reducing financial barriers to essential oral health care. It provides coverage to eligible residents currently without dental insurance.
The CDCP covers a wide range of oral health services, from routine cleanings and dentures to advanced procedures like extractions. Modern Denture Clinic offers many of the services included in the CDCP benefits. To learn more about the services you need, book a free consultation call 905-902-6254.
Additionally, Modern Denture Clinic works with local dentists to ensure patients receive the care they need, even if the required services are not directly provided by us.
Important Note: Certain oral health services will require preauthorization. These services will consider an individual’s oral health history and medical conditions. Preauthorized services have been available since November 2024.
The CDCP only covers services included in the plan at the established CDCP rates. Patients may be responsible for additional costs if charges exceed these rates.
The CDCP reimburses a percentage of the cost based on the established CDCP fees and the patient’s adjusted family net income. Additional costs may apply in the following cases:
For an estimate of your service costs, book a free consultation with us by calling 905-902-6254.
Modern Denture Clinic is a registered CDCP provider and can electronically submit your treatment and service costs to Sun Life. Patients are responsible for any co-payments, which are determined by their adjusted family net income.
A co-payment is the portion of the CDCP fees not covered by the program and is based on your adjusted family net income.
| Adjusted Family Net Income | How Much Will the CDCP Cover | Estimated Cost to You |
|---|---|---|
| Lower than $70,000 | 100% of eligible oral health care service costs will be covered at the CDCP established fees. | 0% of the CDCP established fees. You may face additional charges as described below. |
| Between $70,000 and $79,999 | 60% of eligible oral health care service costs will be covered at the CDCP established fees. | 40% of the CDCP established fees. You may face additional fees as described below. |
| Between $80,000 and $89,999 | 40% of eligible oral health care service costs will be covered at the CDCP established fees. | 60% of the CDCP established fees. You may face additional fees as described below. |
Contact us by calling 905-902-6254 or email info@moderndenture.ca to learn more or schedule a free consultation
Disclaimer: The CDCP is a newly launched program and continues to evolve. The eligibility details provided below are based on the most recent publicly available information at the time of posting. This information is not intended to guarantee government eligibility or serve as a binding document. For the most up-to-date eligibility requirements, please visit the official Canadian Government website.
Eligible individuals will receive a letter inviting them to apply for the program. However, receiving this letter is not a requirement to apply. Eligibility is reviewed annually once enrolled.
If you are already enrolled in the CDCP and wish to schedule an appointment, you can book a time by calling 905-902-6254 or email info@moderndenture.ca
CDCP officially launched in December 2023, starting with the eldest populations:
| Age Group | Application Start Date |
|---|---|
| 87+ | December 1st, 2023 |
| 77-86 | January 1st, 2024 |
| 72-76 | February 1st, 2024 |
| 70-71 | March 1st, 2024 |
| 65-69 | May 1st, 2024 |
| 18+ With valid Disability Tax Credit Certificate | June 1st, 2024 |
| Children Under 18 | June 1st, 2024 |
| Remaining 18+ Canadian Residents | 2025, exact date TBA |
To qualify for the CDCP, applicants must have an adjusted family net income of less than $90,000. This is determined by subtracting Universal Child Care Benefits (UCCB) and Registered Disability Savings Plan (RDSP) contributions from the net income, excluding amounts repaid for these programs.
To verify eligibility, employers and pension plan administrators must indicate on T4 and T4A tax forms whether the individual or their family members had access to dental insurance benefits during the reporting year.
On T4 forms, this information is found in box 45.
On T4A forms, it is in box 015, specifying a code to indicate the scope of coverage.
Applicants must not have other dental insurance coverage to qualify. However, coverage through provincial, territorial, or federal government plans, such as ODSP, is acceptable and does not disqualify applicants.
Applicants must be Canadian residents and have filed a tax return for the year prior to their application to be eligible for the CDCP.
If you believe you meet the eligibility criteria, you can apply directly through Service Canada online. Start your application on the official government website [here].
The CDCP is managed by Sun Life on behalf of the Government of Canada. Once your application is approved:
Service Canada will share your information with Sun Life.
Sun Life will formally enroll you in the CDCP and send you a membership package, including:
Your membership card.
Membership number.
Coverage start date.
For more information about your membership, visit Sun Life’s CDCP member page.
Your Sun Life welcome package will specify the date you can begin receiving oral health services under the CDCP. Treatments may be planned in advance but must occur on or after the coverage start date to qualify for reimbursement.
Modern Denture Clinic offers complimentary consultation.
You can schedule this free consultation at any point during your CDCP application process.
After your initial visit, our team will create a treatment plan. However, any treatment appointments must be scheduled for dates on or after your eligibility date.
Once you have your Sun Life coverage card, Modern Denture Clinic will confirm your next appointment for treatment.
For the most current information on the CDCP, please visit the official Government of Canada website.
