CDCP Dentist in Waterford, ON | Canadian Dental Care Plan Accepted
Waterford Dental accepts the Canadian Dental Care Plan (CDCP) for eligible patients. If you have received your CDCP welcome package from Sun Life, our team can help you book an appointment and understand what your coverage includes before any treatment begins.
CDCP Dentist in Waterford, ON | Canadian Dental Care Plan Accepted at Waterford Dental
The CDCP is a Government of Canada program that helps cover the cost of dental care for Canadian residents who do not have access to private dental insurance and have an adjusted family net income under $90,000. It is administered by Sun Life and overseen by Health Canada.
Our clinic proudly welcomes CDCP patients from Waterford and surrounding communities including Simcoe, Delhi, Brantford, Hagersville, Port Dover, and Jarvis. If you are looking for a CDCP dentist near Waterford or anywhere in Norfolk County, call us at 519-443-0100 to get started.
The Canadian Dental Care Plan (CDCP) is a federal dental benefit program designed to make oral health care more affordable for Canadians without dental insurance. The program is managed by Health Canada, with applications processed through Service Canada and claims administered by Sun Life.
It is important to know that the CDCP is a government dental benefit — it is not a free dental program for everyone. Depending on your family income, the plan may cover all or only a portion of the cost of eligible services, and some treatments require preauthorization before they can be covered. Our team will always explain any costs you may be responsible for before treatment begins.
Who Qualifies for the CDCP?
To be eligible for the Canadian Dental Care Plan, you must meet all four of the following requirements:
No Access to Private Dental Insurance
Filed Your Tax Return
Adjusted Family Net Income Under $90,000
Canadian Resident
Dental Exams & Preventive Care
What's included: Complete, routine, and emergency dental exams, X-rays, cleanings (scaling and polishing), and fluoride treatments to keep your teeth and gums healthy.
Preauthorization: Generally not required for routine exams and cleanings within frequency limits.
Related service: Dental Exams in Waterford · Preventative Dental CareFillings & Restorative Care
What's included: Tooth-coloured and other permanent fillings to treat cavities and repair broken or damaged teeth.
Preauthorization: Most standard fillings do not require preauthorization.Related service: General Dentistry in WaterfordRoot Canal Treatment
What's included: Endodontic services for teeth that are severely decayed, infected, or damaged — helping you keep your natural tooth whenever possible.
Preauthorization: Some endodontic services may require preauthorization depending on the tooth and your coverage.Related service: Root Canal Treatment in WaterfordGum (Periodontal) Care
What's included: Treatment for gum disease, including deep cleaning (scaling and root planing) and other periodontal services.
Preauthorization: Services beyond standard frequency limits may require preauthorization.Related service: Preventative Dental CareExtractions & Oral Surgery
What's included: Removal of teeth that cannot be saved, and other surgical services for problems in the mouth and jaw.
Preauthorization: Some surgical services require preauthorization.Related service: Emergency Dentist in WaterfordDentures & Major Restorative Services
What's included: Complete and partial dentures and other major services that restore teeth too damaged for basic fillings.
Preauthorization: Dentures and major restorative services typically require preauthorization before treatment.Related service: Contact us to discuss your options — Contact Waterford Dental
CDCP Co-Payments: What Will You Pay?
How much the CDCP covers depends on your adjusted family net income. The plan pays a percentage of the CDCP fee for each eligible service, and you pay the remaining percentage, known as your co-payment, directly to the dental office.
| Adjusted Family Net Income | CDCP Covers | Your Co-Payment |
|---|---|---|
| Under $70,000 | 100% of CDCP fees | 0% |
| $70,000 – $79,999 | 60% of CDCP fees | 40% |
| $80,000 – $89,999 | 40% of CDCP fees | 60% |
Important — CDCP fees vs. office fees:
The CDCP reimburses services based on its own fee schedule, which may not be the same as the fees dental offices charge. This means you may have additional costs beyond your co-payment.
At Waterford Dental, our team will review your estimated CDCP coverage before treatment begins and provide a clear estimate of any amount that may not be covered.
Direct billing:
We can help submit eligible CDCP claims directly through Sun Life, so you only pay your co-payment and any agreed-upon additional charges at your visit, instead of paying the full amount upfront and waiting for reimbursement.
Before any treatment, our team will review what the CDCP covers for your situation and confirm what you can expect to pay, so there are no surprises.
Why Choose Waterford Dental for Your CDCP Care?
CDCP Patients Welcome
Clear Costs Before Treatment
Serving Norfolk County Communities
Care for Seniors and Families
Full Range of Covered Services
Help Navigating the Plan
CDCP Help
CDCP Frequently Asked Questions
Common questions about CDCP coverage, co-payments, direct billing, and what to bring to your appointment.
Is dental care free under the CDCP?
Not always. If your adjusted family net income is under $70,000, the CDCP covers 100% of its fee schedule for eligible services. If your income is between $70,000 and $89,999, you may have a co-payment of 40% or 60%. You may also have additional charges if a service costs more than the CDCP fee or is not covered by the plan. Our team will review this with you before treatment begins.
Does Waterford Dental direct bill Sun Life for CDCP patients?
Yes. We can help submit eligible CDCP claims directly through Sun Life for CDCP-covered services. This means you typically only pay your co-payment and any agreed-upon additional charges at your visit, instead of paying the full amount upfront and waiting for reimbursement.
Can seniors in Norfolk County use the CDCP at your office?
Yes. Seniors have been eligible for the CDCP since the program launched, and the plan is now open to all age groups who meet the eligibility criteria. Many CDCP patients from Waterford, Simcoe, Delhi, and nearby Norfolk County communities use the plan for exams, cleanings, gum care, dentures, and other eligible dental services.
What if my treatment costs more than the CDCP covers?
The CDCP pays based on its own fee schedule, which may differ from office fees. If a recommended treatment involves costs beyond what the plan reimburses, our team will provide an estimate first so you can make an informed decision before going ahead.
I have Ontario Works or ODSP dental coverage. Can I still use the CDCP?
Possibly, yes. Having coverage through a provincial or federal social program does not automatically disqualify you from the CDCP. If you are eligible for both, coverage may be coordinated between the plans to help reduce gaps or duplication.
Do I need to renew my CDCP coverage every year?
Yes. CDCP coverage must be renewed annually. The renewal window usually runs from April 15 to June 1 each year, after you have filed your tax return. If you miss the deadline, you may be able to re-apply, but you could have a gap in coverage.
What should I bring to my first CDCP appointment?
Please bring your Sun Life CDCP member card and a piece of government-issued ID. If you have had recent dental work or X-rays at another office, let us know. This can help us plan your care and avoid duplicate services where possible.
Does the CDCP cover dentures?
Yes, complete and partial dentures are among the services the CDCP may cover, although they often require preauthorization from the plan before treatment begins. Our team can help prepare and submit the preauthorization request as part of your treatment planning.