Your CDCP Dentist in Toronto
Looking for a CDCP dentist in Toronto? You’re in the right place. Toronto Smile Gallery is a participating provider in the Canadian Dental Care Plan, and we’re accepting CDCP patients at our Yorkville practice for the everyday dental care the plan is designed to cover. Below, we’ve laid out what the CDCP is, who qualifies, and how it works when you visit us here in Toronto.
A CDCP Dental Clinic in the Heart of Toronto
Toronto Smile Gallery is a participating CDCP dental clinic in Toronto, right at 1278 Bay Street in Yorkville, central, walkable, and easy to reach by TTC. If you’re covered under the Canadian Dental Care Plan, we’re glad to welcome you for the general and preventive services it covers, such as dental exams, hygiene cleanings, X-rays, fillings and more — with the same careful, judgment-free care we give every patient.
As a CDCP dentist in Toronto, we’ll help you understand exactly what your coverage includes, what (if anything) you’ll pay out of pocket, and how it all works before any treatment begins. We’re accepting new CDCP patients from across Downtown Toronto, North York, Scarborough, Etobicoke, East York and the wider GTA, and if you’re also curious about the cosmetic options the plan doesn’t cover, we can walk you through those separately, with no pressure.
What Is the Canadian Dental Care Plan?
The Canadian Dental Care Plan is a federal program that makes dental care more affordable for eligible Canadian residents, including many here in Toronto, who don’t have private dental insurance. Administered by Sun Life on behalf of the Government of Canada and first launched at the end of 2023, it expanded in stages and, as of the 2026 benefit year, is open to all eligible Canadians regardless of age. For many Toronto families, it’s made routine dental care possible for the first time in years.
Who Qualifies for the CDCP?
Like all Canadians, Toronto residents generally need to meet four requirements to qualify:
You’re a Canadian resident for tax purposes
You don’t have access to private dental insurance — through your job, a family member, a pension, or a plan you’ve purchased yourself
Your adjusted family net income is under $90,000
You (and your spouse or common-law partner, if you have one) have filed your most recent tax return
Coverage runs for a single benefit year and must be renewed every year, so it’s important to keep your application current to avoid a gap. Figures and rules can change year to year, so the Government of Canada’s website is always the best source for the official, up-to-date details.
What the CDCP Covers at Our Toronto Practice
At our Yorkville practice, the CDCP can help with the essential care it’s built around, including:
Preventive and diagnostic care, such as exams, hygiene cleanings and X-rays
Basic restorative care, such as fillings and tooth extractions
Other essential services as determined by the plan
Coverage can vary from person to person, and some services may require pre-authorisation before they’re approved. A couple of other nuances are worth understanding too: the CDCP reimburses based on its own fee guide rather than any individual dentist’s fees, and how much you pay depends on your income. Families with an adjusted net income under $70,000 generally have no co-payment, while those between $70,000 and $90,000 pay a percentage of the cost.
What the CDCP Doesn’t Cover
This is the part most relevant to a cosmetic practice like ours, and we’d rather be upfront about it. The CDCP is built for necessary dental care, not cosmetic enhancement. Treatments like porcelain veneers, teeth whitening and other purely aesthetic procedures aren’t covered by the plan, and dental implants only in specific medical circumstances, if at all. If your goal is a cosmetic improvement, the CDCP won’t apply, but as your Toronto cosmetic dentist, we’re glad to talk through your options and any financing available.
How CDCP Billing Works at Our Toronto Clinic
The money side is simpler than it looks. As a participating CDCP provider in Toronto, we bill the plan directly for covered services at the CDCP’s set rates, so in most cases you won’t pay the full amount upfront and wait to be reimbursed.
Depending on your income, you may have a co-payment, and because the plan reimburses at its own fee guide, there can occasionally be a small difference between the CDCP rate and our provider’s fee. Whatever the case, we’ll always explain it clearly and upfront, so there are never any surprises.
Booking Your CDCP Appointment in Toronto
Booking with us is straightforward, and we’re accepting new CDCP patients now. Once your coverage is approved and you’ve received your CDCP member number, just call us or book online and let us know you’re covered under the Canadian Dental Care Plan. We’ll take it from there.
What to bring to your appointment:
Your CDCP member number (and your Sun Life confirmation or card, if you have it)
A piece of government-issued ID
A list of any medications you take and any relevant medical history
Any questions about your coverage — we’re glad to answer them
If you haven’t been approved yet, you’ll need to apply through the Government of Canada first; as soon as your member number arrives, we can get you booked in at our Yorkville office.
Frequently Asked Questions
Are you accepting new CDCP patients in Toronto?
Yes, Toronto Smile Gallery is a participating CDCP provider in Yorkville, and we’re welcoming new Canadian Dental Care Plan patients for the general and preventive services the plan covers. Just bring your CDCP member number when you book.
Do you accept the CDCP?
We do — we’re a participating CDCP dentist in Toronto. The plan covers necessary general and preventive care; we’ll confirm exactly what applies to your visit before any treatment begins.
Who can apply for the Canadian Dental Care Plan?
Any Canadian resident — including Toronto residents — with no access to private dental insurance, an adjusted family net income under $90,000, and a filed tax return can generally apply. As of 2026, the plan is open to all eligible Canadians regardless of age.
How do I apply for the CDCP?
You apply through the Government of Canada, online or by phone. Once approved, you’ll receive a member number, which is what we need to confirm your coverage, so keep it handy when you book with us.
Does the CDCP cover veneers or teeth whitening?
No. The CDCP covers necessary dental care, not cosmetic treatments, so veneers, whitening and similar procedures fall outside the plan. We’re happy to discuss these and their cost with you separately and financing options that may be available.
How much will I pay with the CDCP at your Toronto practice?
It depends on your adjusted family net income. Families under $70,000 generally have no co-payment for covered services, while those between $70,000 and $90,000 pay a share. Because the plan reimburses at its own fee guide, we’ll confirm any out-of-pocket difference with you before treatment.
Transform your
smile today
and direct billing to insurance