Canadian Dental Care Plan

A CDCP dentist in Bloor West Village, taking new patients

If you are covered by the Canadian Dental Care Plan, you should not need to decode a government website to use it. We accept CDCP, we bill Sun Life directly, and we will walk you through exactly what is and is not covered. No pressure and no lectures, whether it has been six months or six years since your last visit.

Book your CDCP visit Call (416) 760-0404

★★★★★ 4.9 from 204 Google reviews

Gentle dental checkup at a family dental clinic

Why CDCP patients choose The Village Dentist

4.9 starsFrom 204 Google reviews

Direct billingClaims go straight to Sun Life, not through you

25+ yearsOf dentistry and 200,000+ procedures across our team

Two languagesCare in English and Italian, your choice

What does CDCP cover?

CDCP covers the everyday care that keeps your mouth healthy: checkups, cleanings, fillings, x-rays and more, always subject to the plan's rules. It does not cover orthodontic or cosmetic treatment, which means Invisalign is not included. Knowing that line before you book saves surprises later.

Type of care	CDCP status
Checkups and exams	Covered, subject to plan rules
Cleanings	Covered, subject to plan rules
Fillings	Covered, subject to plan rules
X-rays	Covered, subject to plan rules
Invisalign and other orthodontics	Not covered
Cosmetic treatment	Not covered

For the full picture, read our plain-language guide to what CDCP actually covers. If straighter teeth are on your mind, our Invisalign page explains the free consultation and the written personal quote.

Am I eligible for CDCP?

You may be eligible if you meet four conditions: you are a Canadian resident, you filed your taxes, you do not have access to private dental insurance, and your household income falls within the federal guidelines. All four have to be true at the same time.

The Government of Canada sets these rules and adjusts them, so the authoritative source is the official canada.ca CDCP page. We cannot approve or deny anyone's eligibility, only Ottawa can, but we are glad to help you make sense of your situation. Our guide Eligibility: do you qualify? walks through each condition with examples.

Not sure where you stand? Call (416) 760-0404 and tell us what you know. We will point you to the right next step, even if that step is a government form rather than a dental chair.

How does direct billing to Sun Life work here?

Direct billing means we send the claim for covered care straight to Sun Life, instead of asking you to pay up front and chase a reimbursement. Here is the process from your side.

Book and tell us you have CDCP. Online or by phone. Mention the plan so we can prepare your file before you arrive.
We confirm your coverage. Before treatment starts, we check that your plan is active and what it applies to.
We treat you, then bill Sun Life directly. The covered portion of your care goes on our paperwork, not your credit card.
You pay only your plan's share, if there is one. Depending on household income, CDCP pays all or part of the cost of covered services. Any remaining share, called a co-payment, is set by the federal plan, not by us.

Your co-payment level comes from your CDCP paperwork and the income bands on canada.ca. Our guide to understanding your co-payment explains how the bands work, and why CDCP claims get denied covers the pitfalls we help you avoid.

What should I bring to a first CDCP visit?

Four things cover almost every situation:

Your Sun Life member card, or the CDCP welcome letter that shows your member ID
A piece of photo ID
A list of medications you take, if any
The name of your previous dental office, if you are switching, so we can request your records

That is it. If you are missing something, call ahead and we will tell you whether it matters.

Renewal for 2026

CDCP coverage is not automatic from one year to the next. If you were covered in 2025, you likely need to renew for 2026, and the renewal depends on your latest tax filing. Missing it can leave a gap in your coverage right when you are due for a cleaning.

We wrote a step-by-step renewal guide for 2026, plus a short explainer on how to check your CDCP status through your My Service Canada Account. Behind on it already? There is a last-week checklist for that too.

Care in English and Italian, from a neighbourhood practice

The Village Dentist is a woman-led practice on Annette Street, headed by Dr. Abinaash Kaur, DDS, with 25+ years of dentistry and more than 200,000 procedures across the team's history. We offer care in English and Italian, so you or your parents can ask questions in whichever feels natural.

The office is accessible, there is street parking on Annette St, and evening and Saturday appointments are available for people whose weekdays are spoken for. CDCP patients get the same chairs, the same team, and the same unhurried explanations as everyone else.

Ready to use your coverage?

Booking takes a couple of minutes online, or one phone call. Tell us you are a CDCP patient and we take it from there: coverage confirmed and the claim direct-billed to Sun Life.

Book your CDCP visit Call (416) 760-0404

Your CDCP guides, all in one place

We keep a library of plain-language CDCP guides written for Toronto patients. Start with the complete guide, or jump to the question on your mind.

Neighbours we serve

We are on Annette Street, an easy trip from Bloor West Village, High Park, The Junction, Roncesvalles, Swansea, and Baby Point. Plenty of CDCP patients also ask about care the plan does not reach: we offer a free consultation for Invisalign and for dental implants, each with a written personal quote.

Hours and location

Monday and Tuesday11:00 to 19:00
Wednesday and Thursday8:00 to 18:00
FridayPhones and booking only
Select Saturdays9:00 to 15:00, call to confirm

750 Annette St, Toronto, Ontario M6S 2E2. The office is accessible, and there is street parking on Annette St. Evening and Saturday appointments available. We provide care in English and Italian.

CDCP questions we hear every day

Am I eligible for CDCP?

You may qualify if you are a Canadian resident, filed your taxes last year, do not have access to private dental insurance, and your household income falls within the federal guidelines. The rules are set by the Government of Canada and can change, so check the official canada.ca CDCP page, or call us and we will help you figure it out.

Do you direct bill Sun Life for CDCP?

Yes. We bill Sun Life directly for covered CDCP services, so you do not pay the covered portion up front and wait for a reimbursement cheque. Tell us you are a CDCP patient when you book, bring your member card or welcome letter, and we take care of the claim paperwork from there.

Do I pay anything at a CDCP visit?

It depends on your plan. Based on household income, CDCP pays either the full cost of covered services or a share of it. If your plan assigns you a co-payment, you pay that portion and we bill Sun Life for the rest. The federal government sets those shares; the canada.ca CDCP page explains the income bands.

Can I switch dentists to The Village Dentist on CDCP?

Yes. Your CDCP coverage belongs to you, not to a specific clinic, so you can book with any participating dentist. We are accepting new CDCP patients right now. If you would like your records transferred from a previous office, tell us the office name and we will guide you through the request.

Does CDCP cover cleanings and fillings?

Yes. Cleanings, checkups, fillings, and x-rays are the kind of everyday care CDCP was built for, subject to the plan's rules and your coverage share. Our guides on cleanings and exams and on what CDCP actually covers break down the details, or call us and we will check for your situation.

Does CDCP cover Invisalign?

No. CDCP does not cover orthodontic or cosmetic treatment, and that includes Invisalign. If straighter teeth are on your list, we offer a free Invisalign consultation with a written personal quote and flexible monthly payment plans. Your CDCP coverage still applies to the everyday care that keeps your teeth healthy.

What should I bring to my first CDCP visit?

Bring your Sun Life member card or CDCP welcome letter, a piece of photo ID, and a list of any medications you take. If you are switching from another dentist, the name of your previous office helps us request your records. Arrive a few minutes early and we will handle the rest.