Canadian Dental Care Plan
We accept the Canadian Dental Care Plan
Thames Dental Care welcomes CDCP members, new and current patients alike. Here is who qualifies for the 2026–2027 benefit year, what the plan covers and how to get started.
Eligibility
Do you qualify?
You can get CDCP coverage if all four of these are true for you (and your spouse or common-law partner, if you have one):
No access to dental insurance
Including coverage through work, a pension, a family member’s plan, a health spending account or a student association.
Family income under $90,000
Your adjusted family net income on last year’s tax return is less than $90,000.
Taxes filed in Canada
You (and your spouse or partner) filed a Canadian tax return for last year.
Canadian resident
You are a resident of Canada for tax purposes.
Not sure if you qualify?
Coverage you could get through work, a pension or a family member’s plan counts as access to insurance, even if you don’t use it. Check your status on canada.ca, or call us and we’ll help you work out what applies to your family.
Your share
What you pay
Your co-payment depends on your adjusted family net income. It is a percentage of the CDCP fee for each covered service.
0%
Under $70,000
The CDCP pays 100% of its set fee.
40%
$70,000 – $79,999
The CDCP pays 60%; you pay 40%.
60%
$80,000 – $89,999
The CDCP pays 40%; you pay 60%.
If our fee for a service is higher than the CDCP rate, or you choose a service the plan does not cover, there may be an extra charge. We will always tell you about any cost before treatment begins.
Coverage
What the CDCP covers
Preventive care
Exams, x-rays, cleanings, fluoride and sealants.
Basic treatment
Fillings, root canals and gum (periodontal) care.
Major treatment
Crowns, dentures and oral surgery such as extractions.
Sedation
Nitrous oxide, oral sedation and deeper sedation when needed.
Some services, such as crowns, dentures, root canal re-treatment and deeper sedation, need approval from the CDCP before treatment; we handle that request for you. Orthodontic treatment (braces and aligners) is not currently available under the plan.
Getting started
How to use your CDCP coverage at Thames Dental Care
1
Apply with the Government of Canada
Apply online at canada.ca or by phone at 1-833-537-4342 (TTY 1-833-677-6262). There is no fee to apply.
2
Get your member card
Once you are approved, Sun Life (which runs the plan for the government) mails you a welcome package with your member card and your coverage start date. Please book your visit for on or after that date.
3
Book your visit with us
Request an appointment and bring your member card. We bill the CDCP directly, so you only pay your co-payment and any extra charges we have discussed with you.
Coverage runs for a set benefit period (currently July 1 to June 30) and has to be renewed every year, based on your latest tax return. Plan details can change, so please confirm on canada.ca/dental. Information last checked October 2026.