Coverage & Insurance
We make your
coverage work
for you, not against you.
We accept the CDCP, ODSP, NIHB, Healthy Smiles Ontario, and most private insurers — and we direct-bill all of them. You focus on your health. We handle the paperwork.
Accepted Programs
Government & provincial plans we accept.
Whether you're covered by a federal plan, a provincial program, or a First Nations health benefit — bring your card and we'll take care of the billing.
Canadian Dental Care Plan
Canadians without private dental insurance, household income under $90,000
Ontario Disability Support Program
Ontario residents receiving ODSP income support
Non-Insured Health Benefits
First Nations and Inuit peoples registered with Health Canada
Healthy Smiles Ontario
Low-income Ontario residents and families
We also direct-bill most major private dental insurance providers. Bring your benefits card and we'll verify coverage before your appointment.
CDCP Eligibility
Do you qualify for the Canadian Dental Care Plan?
The CDCP is a federal plan administered by Sun Life that covers dental care for Canadians without private insurance. Eligibility is income-based.
Not sure if you qualify? Check eligibility directly at the Government of Canada website or call 1-833-537-4342.
Visit canada.ca- You do not have private dental insurance through work or a pension plan
- Your combined household income is under $90,000
- You are a Canadian resident and have filed your taxes
- You have a valid CDCP membership card issued by Sun Life
Covered Services
What we can treat under your plan.
The following services are covered under the CDCP and many other government plans we accept. Exact coverage depends on your plan and benefit year.
Coverage amounts are set by the federal CDCP benefit grid and individual program fee schedules. We confirm your specific coverage before every treatment. Explore our general, family, and sedation dentistry services to learn more about what we offer.
CDCP Cost Breakdown
Your out-of-pocket cost under the CDCP.
| Adjusted family net income | Your co-pay |
|---|---|
| Under $70,000 | No co-pay — CDCP covers 100% of the benefit amount |
| $70,000 – $79,999 | 40% co-pay |
| $80,000 – $89,999 | 60% co-pay |
If our fee is higher than the CDCP benefit grid amount, you may pay the difference regardless of income. We will always show you the full cost before we begin — no surprises.
Provincial & Federal Plans
Other plans we accept.
Ontario Disability Support Program
Ontario residents who receive ODSP income support are eligible for dental benefits. Coverage includes basic dental services like exams, cleanings, and extractions. Bring your ODSP card and health number and we'll bill directly.
Non-Insured Health Benefits
First Nations and Inuit peoples registered with Health Canada are eligible for NIHB dental coverage. We are an NIHB dental provider and bill Health Canada directly. Coverage includes exams, cleanings, fillings, and more.
Healthy Smiles Ontario
A provincial program for low-income Ontarians, providing free, routine dental care including exams, cleanings, and fillings. Eligibility is income-based. If you already receive ODSP or Ontario Works, you may automatically qualify.
How it works.
Confirm Your Coverage
Know your program before you arrive — CDCP card from Sun Life, ODSP card, NIHB registration, or Healthy Smiles card. If you're unsure, call our front desk and we'll help you figure it out.
Book & Tell Us Your Plan
When you book, let us know which program you're using. This lets us pull your coverage details before your appointment so there are no surprises at the chair.
We Verify Before We Begin
We confirm your coverage and give you a clear estimate of any out-of-pocket costs before a single instrument is picked up. You are always in control.
We Handle the Paperwork
We bill your program directly. You pay only your share — your co-pay or any balance above the benefit grid. No confusing forms, no waiting for reimbursement.