What Patients Need to Know About the Canadian Dental Care Plan in 2025
CDCP 2025Canadian Dental Care Plandental insurance CanadaCDCP eligibilitydental benefitspatient guide
Who Is Eligible?
- You are a Canadian resident who filed taxes in the previous year
- You do not have access to dental insurance through an employer, student plan, or government program
- Your adjusted family net income is below $90,000 (partial coverage up to $90,000; full coverage below $70,000)
What Does CDCP Cover?
- Oral examinations and assessments
- X-rays (diagnostic imaging)
- Cleanings and scaling
- Fillings (amalgam and composite)
- Extractions
- Dentures (partial and complete)
- Emergency dental services
What Is NOT Covered?
CDCP does not cover cosmetic procedures, orthodontics, implants, or services beyond the defined benefit schedule. Co-payments may apply depending on income level.
How to Use Your CDCP Benefits
- Find a CDCP-accepting dentist — Use DrGreat to find a verified clinic near you.
- Bring your CDCP card — Your Sun Life insurance card contains your member ID.
- Confirm direct billing — Ask if the clinic submits CDCP claims directly to Sun Life.
- Understand your co-pay — Depending on your income, you may owe a portion.
Renewing Your Coverage
CDCP coverage is not automatic year to year. You must re-confirm your eligibility annually through your tax return.
