CDCP Dentist in Cambridge
We Accept the Canadian Dental Care Plan
Cambridge Smiles Family Dentistry accepts the Canadian Dental Care Plan (CDCP) at our Cambridge office at 410 Hespeler Rd. We bill Sun Life directly, so eligible patients pay only their co-payment (if any) and any difference between CDCP fees and our standard fees. Call (226) 887 6483 for a free CDCP benefits check before your visit.
We Accept the Canadian Dental Care Plan
What the CDCP covers at our office
The CDCP helps pay for a wide range of preventive and restorative dental care. At Cambridge Smiles Family Dentistry, CDCP patients commonly use their coverage for:
Dental exams and X-rays
Teeth cleaning (scaling) and fluoride
Fillings
Root canal treatment
Extractions, including many emergency extractions
Complete and partial dentures
Dental emergencies
Some services, such as certain crowns, partial dentures, and major treatment require preauthorization from the CDCP before treatment begins. We handle the preauthorization paperwork for you and let you know what’s approved before any work starts. Purely cosmetic services (such as teeth whitening) are not covered by the CDCP.
Who qualifies for the CDCP in the 2026–27 benefit year
You may qualify for the CDCP if you:
Are a Canadian resident for tax purposes
Have an adjusted family net income under $90,000
Do not have access to private dental insurance (e.g., through an employer)
Filed your most recent tax return
| Adjusted Family Net Income | CDCP Pays | 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% |
Note: coverage percentages apply to CDCP fee amounts, which may differ from standard Ontario dental fees — see “What you’ll pay” below.
What you’ll pay: Co-payments and fee differences, explained
The CDCP pays providers according to its fee schedule, which can be lower than the standard Ontario fee guide. That means even patients with 100% coverage may have a small balance to pay if a service’s CDCP fee is below our standard fee. Before any treatment, we give you a clear estimate showing exactly what the CDCP pays and what (if anything) you’ll owe. There will be no surprises in the chair. We also offer a complimentary benefits check before your first appointment.
How CDCP billing works at Cambridge Smiles Family Dentistry
1. Call us or book online: Tell us you have CDCP coverage.
2. Complimentary benefits check: We can verify your coverage with Sun Life before your visit.
3. Bring your CDCP member card or welcome letter (and a piece of ID) to your
appointment.
4. We bill Sun Life directly: You pay only your co-payment and any fee difference,
explained in advance.
2026–27 benefit year: Renewals, gaps, and new applications
The CDCP runs on a benefit year ending June 30. The renewal window for existing members closed on June 1, 2026, and 2025–26 coverage ends June 30, 2026. If you missed the renewal deadline, you can submit a new application for the 2026–27 benefit year applications opened June 2, 2026 but there may be a gap in your coverage while it’s processed. If you’re between coverage periods and need care, call us: we’ll help you understand your options and time treatment appropriately.
Why Cambridge families choose Cambridge Smiles Family Dentistry for CDCP care
Cambridge Smiles Family Dentistry and team have cared for Cambridge and Waterloo Region families at 410 Hespeler Rd Unit 5 & 6 Cambridge, ON for over 20 years. We offer same-day emergency appointments, free parking, direct dental billing, sleep dentistry for most insurance plans including the CDCP, and a complimentary benefits check so you always know your costs before treatment.
Book your CDCP appointment in Cambridge Smiles Family Dentistry Call (226) 887 6483 or book online.
Complimentary benefits check · Direct billing to Sun Life · Same-day emergencies ·
CDCP — Frequently Asked Questions
No. Depending on your income, you may have a co-payment of 0%, 40%, or 60%, and CDCP fees can be lower than standard Ontario dental fees, leaving a small difference. We always provide a written estimate before treatment so you know your exact cost.
Yes. Dental emergencies such as emergency exams, X-rays, and many urgent treatments such as extractions are covered services. We offer same-day emergency appointments — call us first and we’ll confirm your CDCP coverage while you’re on your way.
Yes — you can submit a new application for the 2026–27 benefit year, but there may be a gap in coverage until it’s approved. Call our office and we’ll help you plan treatment around your coverage dates.
Yes, children in eligible families are covered. Eligibility is based on family income, insurance status, and tax filing — the same criteria as adults.
Yes. Preventive care including exams, X-rays, scaling, and fluoride are core covered services under the plan.
Apply online through the Government of Canada (canada.ca) or by phone through Service Canada. You’ll need to have filed your most recent tax return. Once approved, bring your member card or welcome letter to your first visit.