CDCP dentist in Kitchener
Oak & Pearl Dental accepts CDCP and bills Sun Life directly, so there are no claim forms for you. Book check-ups, cleanings, fillings, dentures and more for yourself, your children or your parents.
CDCP quick check
Answer a question or two to see your next step. It takes about 30 seconds.
Do you have a CDCP member card or a welcome letter from Sun Life?
Tick everything that is true for you:
You're ready to book
Bring your CDCP member card, or the member ID from your Sun Life welcome letter. We confirm your coverage with Sun Life before your visit.
You can book ahead
CDCP only pays for care on or after the coverage start date in your Sun Life welcome package. Request an appointment and we'll book you for that date or later. You can check your application status at canada.ca/dental.
You may qualify
You apply through the Government of Canada at canada.ca/dental. Once you're approved, Sun Life sends your member card and your coverage start date. You're welcome to request an appointment with us now, too. We always explain any fees before treatment.
We can still help
If you have dental insurance, in most cases we can submit your claims directly to your insurer. Either way, we review your coverage and give you a clear estimate before any treatment.
This is a quick guide, not an official eligibility decision. The Government of Canada decides who qualifies for CDCP.
What CDCP covers
CDCP helps pay for a wide range of dental care. Here is what it covers, in plain language.
Regular check-ups, and an exam when something hurts.
Scaling and polishing to remove plaque and tartar.
Dental x-rays to help find problems early.
Repairing cavities and chipped or broken teeth.
Treating an infected or painful tooth so it can be saved.
Deep cleaning and care for gum disease.
Removing teeth that cannot be saved, including oral surgery.
Dentures to replace missing teeth.
Covering and protecting a weak or damaged tooth.
Extra protection against cavities, often for children.
Options to help you stay calm and comfortable, when needed.
Some services, such as crowns and dentures, need approval from the plan before treatment (preauthorization). We send that request to Sun Life for you. Braces are not currently available under CDCP. Coverage is set by the plan and can change; see canada.ca/dental for details.
What you pay
CDCP pays a set fee for each covered service. Depending on your adjusted family net income, you may pay part of that fee. This is called a co-payment.
Family incomeUnder $70,000
0%
co-payment
CDCP pays 100% of its set fee
Family income$70,000 – $79,999
40%
co-payment
CDCP pays 60% of its set fee
Family income$80,000 – $89,999
60%
co-payment
CDCP pays 40% of its set fee
Example: if the CDCP fee for a service is $100 and your co-payment is 40%, you pay $40 and CDCP pays $60.
Sometimes a service is not covered, or a clinic's fee is higher than the CDCP fee. Before we start any treatment, we review your coverage and give you a clear estimate of any out-of-pocket cost, so you can decide with all the facts.
How it works
Use the form below or call us. Booking for the family? Tell us who is coming and we will try to schedule visits together.
Have your CDCP member card or member ID ready. We confirm your coverage with Sun Life before your visit.
Your dentist explains what you need, what CDCP covers and any cost to you, before any treatment starts.
No claim forms to fill in. You only pay your co-payment and any cost we have already discussed with you.
For every generation
Each family member enrolled in CDCP has their own coverage, children included. Check-ups, cleanings, fluoride and sealants help keep young teeth healthy. Tell us who is coming and we will try to book everyone together.
Book for my family
CDCP covers check-ups, cleanings, fillings and dentures. We take the time to explain your options and costs clearly, and we handle any preauthorization with Sun Life.
Ask about denturesYour dentists
Oak & Pearl Dental is family-owned and led by Dr. Zaheer Qadir and Dr. Javaria Taufiq, general dentists who completed their Doctor of Dental Surgery at the University of Toronto.
Book a check-up for yourself or your family at 45 Sportsworld Drive, Kitchener.
FAQ
Yes. Oak & Pearl Dental accepts CDCP and bills Sun Life, the company that runs the plan, directly. Please bring your CDCP member card or member ID to your visit.
It depends on your co-payment level and your treatment. CDCP pays a set fee for each covered service, and depending on your adjusted family net income you pay 0%, 40% or 60% of that fee. If a service is not covered, or our fee is higher than the CDCP fee, there may be an extra cost. Before any treatment, we review your coverage and give you a clear estimate.
No. CDCP pays dental offices directly, so there is no claim for you to send. At your visit you only pay your own share, if you have one.
Yes, you can request an appointment now. CDCP only pays for care on or after the coverage start date in your Sun Life welcome package, so we will book your visit for that date or later.
Yes. Children who are enrolled in CDCP can be seen at our clinic. Each family member has their own coverage, so let us know who is coming and we will help you book.
Yes. CDCP covers dentures. Some dentures need approval from the plan before treatment (called preauthorization), and we send that request to Sun Life for you.
Not at this time. Orthodontic services such as braces are not currently available under CDCP.
You apply through the Government of Canada at canada.ca/dental. To qualify you need to have no access to dental insurance, an adjusted family net income under $90,000, and you (and your spouse or partner) must have filed your taxes in Canada and be Canadian residents for tax purposes.
Your CDCP member card or member ID, a list of any medicines you take, and details of any other dental coverage you have, such as a government program.
Book an appointment
Leave your details and our team will call you to find a time. Prefer to talk now? Call the office and we'll help you book.
(519) 707-3288