No Access to Private Dental Coverage
This includes coverage through an employer, spouse or family member, pension, professional or student organization, health spending account, individual policy or group benefits plan.
My City Dental accepts patients covered by the Canadian Dental Care Plan at our Vaughan dental clinic. If your CDCP coverage is active, contact our team before your visit so we can arrange an examination, discuss clinically appropriate treatment and explain estimated patient costs.
Tell us that you plan to use CDCP. Our team will contact you during business hours to collect the information needed before your visit.
Applications are open for the 2026–2027 benefit year. The previous renewal period closed on June 1, 2026. Members who missed the deadline may submit a new application, but a gap in coverage can occur. Verify active status before receiving treatment.
The Canadian Dental Care Plan is a federal program that helps eligible Canadian residents pay part of the cost of qualifying oral healthcare services.
CDCP is not identical to private insurance and it is not automatically free dental care. Payment depends on active eligibility, adjusted family net income, the procedure provided, CDCP-established fees, frequency limits and preauthorization rules.
Applicants must meet all four federal requirements. Having access to a qualifying private plan can make a person ineligible even when the plan is declined, unused or requires a premium.
This includes coverage through an employer, spouse or family member, pension, professional or student organization, health spending account, individual policy or group benefits plan.
You and your spouse or common-law partner, when applicable, must have filed the required Canadian tax returns so family income can be assessed.
Eligibility is based on adjusted family net income, not only the applicant’s personal salary. The requirement is below $90,000.
The applicant must be a Canadian resident for tax purposes. All four eligibility conditions must be met.
Eligibility is assessed by Service Canada. Apply, renew, update information and check application status through the official Government of Canada process.
CDCP pays a percentage of eligible services according to its established fee schedule. These percentages apply to the CDCP-established fee, which may differ from the clinic’s treatment fee.
| Adjusted family net income | CDCP portion of eligible CDCP-established fees | Patient co-payment |
|---|---|---|
| Below $70,000 | 100% | 0% |
| $70,000–$79,999 | 60% | 40% |
| $80,000–$89,999 | 40% | 60% |
Not necessarily. A patient may still owe money when the clinic fee is higher than the CDCP-established fee, a service exceeds a frequency limit, treatment is excluded, required preauthorization is denied, coverage is inactive or only part of the treatment qualifies.
Coverage depends on active status, clinical need, procedure eligibility, frequency limits, required preauthorization and current documentation rules. A treatment recommended by a dentist is not automatically covered.
Eligible complete, recall, specific and emergency examinations may be covered, along with qualifying dental X-rays. Type and frequency rules apply.
Dental X-RaysEligible scaling, root planing, fluoride, sealants and selected preventive procedures may be covered. Frequency limits apply.
Teeth CleaningsEligible permanent and temporary restorations may be covered. Material, tooth-surface and rolling frequency rules can affect payment.
Dental FillingsQualifying root canal therapy and procedures used to reduce infection or pain may be covered. Repeat treatment normally requires preauthorization.
Root Canal TherapyScaling, root planing, non-surgical periodontal care and selected abscess or follow-up services may be covered under applicable limits.
Gum Disease TreatmentCertain single-unit crowns may be considered for patients aged 18 or older. Clinical criteria, documentation and frequency limits apply.
Dental CrownsSelected complete and partial dentures, repairs, relines and related services may be covered. Initial partial dentures and some designs require preauthorization.
DenturesRemoval of teeth or retained roots, incision and drainage and selected surgery may be covered. Some procedures require supporting records and approval.
Tooth ExtractionSelected sedation may be covered with an eligible procedure. Emergency examinations and qualifying treatment may also be covered.
Emergency DentistryPreauthorization is a review process used before certain treatments can qualify for CDCP payment. The provider submits procedure codes and supporting clinical documentation for assessment.
A request may require current X-rays, periodontal measurements, missing-tooth information, planned extractions, clinical notes, medical information and a written treatment rationale.
Treatment requiring preauthorization should normally not begin until approval is received. Excluded procedures cannot be reconsidered.
Excluded procedures are outside the scope of CDCP and are not eligible for preauthorization reconsideration. They may still be available as privately paid treatment.
Not currently. A limited orthodontic program is planned for selected patients with severe, functionally significant conditions. The implementation date remains undetermined, and future coverage will require preauthorization.
Follow these steps so your effective date, member information, possible approval requirements and estimated patient costs can be reviewed before treatment.
Check the effective date in your welcome documentation or online account. Treatment completed before the effective date is not covered.
Call (905) 581-2228 and tell us you are a CDCP member, whether this is your first visit and the reason for the appointment.
Bring your member card, government-issued ID, welcome or eligibility letter, medication list and available recent dental records or X-rays.
The dentist assesses your oral health and recommends clinically appropriate treatment. Coverage cannot always be confirmed from a telephone description.
Ask about eligible services, preauthorization, co-payment percentage, possible fee differences, exclusions and frequency limits.
My City Dental submits eligible claims directly. Patients remain responsible for outstanding amounts that CDCP does not pay.
The participating oral health provider must submit eligible claims for direct payment. A member cannot pay the covered amount and request reimbursement from Sun Life later.
Our clinic provides a local appointment pathway for patients using CDCP while keeping clinical recommendations, estimated coverage and patient costs clearly separated.
My City Dental accepts patients covered by the Canadian Dental Care Plan.
General, preventive, restorative and emergency services are available. Coverage depends on the procedure and current rules.
Review expected payment, co-payment, fee differences, exclusions and pending preauthorization before proceeding.
Visit us at 9222 Keele Street, Suite 5, serving Vaughan and nearby communities.
Appointment availability should be confirmed when booking.
New CDCP patients can request an examination and discuss an appropriate treatment pathway.
My City Dental’s team provides general, emergency, orthodontic, surgical, and family dental care in Vaughan.
KE
Provides patient-focused general dental care with attention to comfort, communication, and treatment planning.
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Provides comprehensive dental care with interests in surgery, digital dentistry, implants, and urgent dental needs.
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Supports patients with orthodontic care and helps the clinic provide complete smile and bite-related treatment options.
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These answers explain the clinic process and the main eligibility, cost and coverage limits patients should understand before treatment.
Yes. My City Dental accepts CDCP patients at its Vaughan dental clinic. Tell the team that you plan to use CDCP when booking.
Not necessarily. CDCP pays a percentage of eligible services using its own established fees. Patients may still owe a co-payment, a difference between the clinic and CDCP fees, or the full cost of excluded treatment.
No. Service Canada determines eligibility. My City Dental can accept eligible patients, review available coverage information and submit qualifying claims.
Yes. Applications are open for the 2026–2027 benefit year.
Yes. Coverage applies to a defined benefit period and must be renewed annually. The most recent renewal period closed on June 1, 2026.
Eligible complete, routine, specific and emergency examinations may be covered, subject to frequency and program rules.
Eligible scaling and other preventive services may be covered. Frequency limits apply, and additional units may require preauthorization.
Eligible temporary and permanent fillings may be covered. Current rules generally limit restoration eligibility to once per tooth surface within 24 months.
Many qualifying root canal procedures may be covered. Retreatment of a previously treated tooth normally requires preauthorization.
Certain single-unit crowns may be considered for patients aged 18 or older, but preauthorization, clinical criteria and frequency limits apply. Approval is not guaranteed.
Certain removable complete and partial dentures may be covered. Some dentures require preauthorization, and frequency limits apply. Implant-supported dentures are excluded.
No. Fixed bridges and all bridge-related procedures are current exclusions.
No. Implants, implant crowns, implant dentures, implant bridges, bone grafts and other implant-related procedures are excluded.
Not currently. Limited orthodontic services are planned for a future undetermined date and will require strict eligibility and preauthorization.
Emergency examinations and qualifying treatment for pain, infection or injury may be covered. Coverage depends on the procedure and active eligibility.
Selected sedation may be covered when used with an eligible procedure. Some types require preauthorization.
No. The participating oral health provider must submit the claim directly. CDCP members cannot pay the covered portion and request reimbursement later.
Bring your member card, government-issued identification and welcome document showing the benefit effective date. Also bring medication and relevant health information.
Treatment completed before the effective date is not eligible. You may proceed privately, postpone treatment when clinically appropriate or discuss urgent-care options with the clinic.
Generally, no. If coverage was available through work or another qualifying plan, you are usually considered to have access even if you declined it.
Treatment requiring preauthorization should normally not begin until approval is received. Otherwise, it may not qualify for payment.
Program dates, eligibility rules, covered procedures, frequency limits and preauthorization requirements can change. Confirm active coverage and current requirements before treatment.
Have you received your CDCP member information and confirmed that coverage is active? Contact My City Dental and tell our team that you plan to use CDCP so the correct information can be collected before your visit.
Eligibility, covered procedures, frequency limits, co-payments and preauthorization decisions are determined under the federal Canadian Dental Care Plan. Patients remain responsible for amounts not paid by CDCP.