If you are new to dental care in Renfrew—or returning after a long break—understanding your coverage is often one of the first questions on your mind. For many Ottawa Valley residents, that means learning about the Canadian Dental Care Plan (CDCP), a federal program designed to help eligible Canadians access oral health services.
At Dentistry in the Valley, we welcome CDCP patients from Renfrew, Pembroke, Arnprior, and surrounding communities. Dr. Diana Atanasiu and Dr. Nick Atanasiu have served the area since 2007, and our team is experienced in helping patients navigate insurance and benefit questions so you can focus on your oral health. This guide explains what the CDCP generally covers, how to prepare for your first visit, and what you can expect when using your benefits at our office.
The Canadian Dental Care Plan (CDCP) is a federal initiative that provides dental coverage to eligible Canadians who do not have access to private dental insurance. Coverage is administered through Sun Life on behalf of the Government of Canada, and benefit amounts are based on your adjusted family net income.
It is important to understand that the CDCP is not the same as a private insurance plan. It has specific eligibility requirements, coverage limits, and co-payment structures that vary depending on your income bracket. The program covers a range of services—including preventive care, restorative treatment, and in some cases more complex procedures—but not every dental service is included, and annual maximums apply.
For the most current eligibility criteria and covered services, we recommend visiting the official Government of Canada CDCP website. Our team can also help answer general questions when you call or visit our office.
Eligibility for the CDCP is based on several factors, including:
If you are unsure whether you qualify, you can apply through the official CDCP application portal. Once approved, you will receive a welcome package with your member information. Bring this documentation—or your CDCP confirmation letter—to your first appointment so our team can verify your coverage.
CDCP coverage includes many common dental services that patients need for ongoing oral health. Depending on your eligibility and the specific service, covered treatments may include:
Coverage limits, co-payments, and pre-authorization requirements apply to many services. Your co-payment percentage is determined by your adjusted family net income—patients in lower income brackets may have no co-payment, while others may share a portion of the cost. We will explain any estimated out-of-pocket amounts before treatment begins whenever possible.
Some services, such as cosmetic dentistry or certain elective procedures, are generally not covered under the CDCP. If you are interested in treatments like Invisalign clear aligners or dental implants, our team can discuss clinical options, costs, and any applicable coverage during your consultation.
Whether you are a brand-new patient or transferring from another dentist, a little preparation helps your first appointment go smoothly:
When you are ready to schedule, you can call our Renfrew office or book your appointment online.
At Dentistry in the Valley, we submit claims directly to Sun Life on behalf of CDCP members for covered services. This means you typically do not need to pay the full fee upfront and wait for reimbursement—though co-payments, if applicable, are collected at the time of your visit.
Here is a general overview of how the process works:
CDCP benefits renew on an annual basis. If you have private insurance in addition to CDCP, coordination of benefits rules may apply. Let our front desk team know about all coverage you hold so we can process claims correctly.
Like most dental plans, CDCP coverage includes annual maximums. Using your benefits thoughtfully throughout the year helps you maintain oral health without unexpected gaps in care. Consider these practical tips:
Not every patient in Renfrew uses the CDCP. Many families have employer-sponsored dental plans, and some patients pay out of pocket for services not covered by their plan. Regardless of how you pay, our approach is the same: clear communication, evidence-based treatment recommendations, and respect for your goals and budget.
If you do not have CDCP coverage but are exploring options, our team can discuss treatment costs and payment arrangements. We believe financial questions should never be a barrier to understanding your oral health needs.
Whether you arrive with CDCP coverage, private insurance, or no plan at all, your first visit follows the same patient-centred approach. Dr. Diana Atanasiu and Dr. Nick Atanasiu—both University of Toronto graduates with more than two decades of general dentistry experience—will review your health history, perform a thorough examination, and discuss findings in plain language.
Digital imaging may be recommended if you have not had recent X-rays. We explain why imaging is suggested and obtain your consent before proceeding. To learn more about our backgrounds and treatment philosophy, visit our Meet Our Dentists page.
After your exam, we outline any recommended next steps and provide estimates when possible. You decide how to proceed—we never pressure patients into treatment they are not ready for.
Do I need a referral to see a dentist under the CDCP?
No. CDCP members can book directly with a participating dental office like Dentistry in the Valley.
Can I choose any dentist?
You can visit any dentist who accepts CDCP patients. We welcome new CDCP members at our Renfrew location.
What if my treatment costs more than my annual maximum?
We will discuss your treatment plan and help you prioritize care. Some patients choose to spread treatment across coverage periods or pay out of pocket for services beyond their maximum.
Will I know my co-payment before treatment?
Whenever possible, yes. We provide estimates based on CDCP fee schedules and your income-based co-payment level before proceeding with non-emergency treatment.
Understanding your dental coverage does not have to be overwhelming. At Dentistry in the Valley, we help CDCP patients and families throughout the Ottawa Valley get started with clear information and compassionate care.
To schedule your first visit, book online or call our Renfrew office. Bring your CDCP confirmation, complete your new patient forms ahead of time if you can, and come prepared with any questions. Dr. Nick and Dr. Diana Atanasiu and our entire team look forward to welcoming you.
