Dentist Accepting CDCP, IFHP & NIHB in North York
If your dental care is funded through a federal program, you can use it at our Yonge and Cummer clinic. We bill the CDCP, IFHP and NIHB plans directly, so you know your covered portion before treatment starts.
- Direct billing to all three plans
- Same-day visits when available
- Care in six languages
Three federal plans, one clinic that bills them
Canada runs three separate dental programs for people who fall outside standard workplace insurance. They cover different groups and are managed by different agencies, so the first step is knowing which one you belong to. The table below is a plain-language summary. Full rules always live on the official Government of Canada pages linked in each section.
Which plan applies to you?
- CDCP if you have no private dental insurance and household income under $90,000.
- IFHP if you are a refugee, protected person or refugee claimant.
- NIHB if you are a registered First Nations person or recognized Inuk.
| Program | Who it is for | Managed by | Do you apply? |
|---|---|---|---|
| CDCP | Canadian residents with no access to private dental insurance and an adjusted family income under $90,000. | Health Canada, administered by Sun Life. | Yes. Apply, then renew each benefit year. |
| IFHP | Resettled refugees, protected persons and refugee claimants during their transition to Canada. | Immigration, Refugees and Citizenship Canada. | Usually automatic with your immigration status. |
| NIHB | Registered First Nations people and recognized Inuit, plus eligible infants. | Indigenous Services Canada, billed via Express Scripts Canada. | No application. Show your client ID at the visit. |
What direct billing looks like on the day
Coverage rules can read like paperwork. Here is what actually happens when you book a covered service with us in North York.
- We confirm your plan first. Bring your member ID or coverage letter and we verify what your program funds before we recommend treatment.
- We submit the claim for you. Our front desk sends the claim straight to the plan, so there is no separate reimbursement form for you to chase.
- You see any co-payment in advance. If your plan covers a share rather than the full fee, we tell you the out-of-pocket amount before you agree to treatment.
- Pre-authorized work is explained. Some treatments need the plan's approval first. We handle that request and let you know the timeline.
Our clinic fees follow the current Ontario Dental Association fee guide, which is the same reference these programs use to set their rates.
A closer look at each plan
Plan 1
Canadian Dental Care Plan (CDCP)
The CDCP helps residents without workplace or private dental benefits pay for routine and major dental care. What you pay depends on your adjusted family net income.
You may qualify if:
- You have no access to dental insurance through work, a pension, a school or a family member.
- Your adjusted family net income is under $90,000.
- You are a Canadian resident for tax purposes and filed last year's return.
Households under $70,000 pay no co-payment. Above that, the plan funds a set percentage and you cover the rest.
Plan 2
Interim Federal Health Program (IFHP)
The IFHP gives temporary, limited health coverage to people building a new life in Canada. Dental care under this plan is focused on urgent and essential needs rather than elective work.
It generally applies to:
- Resettled refugees and protected persons.
- Refugee claimants waiting on a decision.
- Certain other groups named by the program.
Most eligible people do not apply separately. Coverage is tied to your immigration status and turns on or off with it.
Plan 3
Non-Insured Health Benefits (NIHB)
The NIHB program covers health benefits, including dental, for First Nations and Inuit people when those costs are not paid by another plan. It is one of the broadest of the three for dental services.
You may be eligible if you are:
- A First Nations person registered under the Indian Act.
- An Inuk recognized by an Inuit land claim organization.
- An infant under one year of age whose parent is eligible.
There is no separate enrolment. You show your client identification at the visit and we bill directly through Express Scripts Canada. Some treatments need prior approval, which we request for you.
Not sure?
We can help you place yourself
If you are new to Canada, recently changed jobs or are helping a parent sort out coverage, the categories can overlap. Call the clinic and describe your situation. We will point you to the plan that fits and tell you what to bring.
Reach us:
- Call: (647) 699-3277
- Email: info@6006yongedental.ca
What to bring to your first covered appointment
Having the right documents ready lets us verify your plan on the spot and start care sooner.
- Your program member ID or coverage confirmation letter.
- Photo identification for each patient being seen.
- Your CDCP member number, if you are enrolled in that plan.
- Any recent X-rays or records from a previous dentist.
- A list of medications and relevant medical history.
- Details of any other dental coverage you hold, so claims coordinate cleanly.
Care in the language you understand
Many patients who use these federal programs are new to the country or more comfortable speaking a language other than English. Our team can explain your coverage, your treatment and your co-payment in English, Farsi, Chinese, Turkish, Spanish and Amharic, so nothing about your care gets lost in translation.
Common questions about federal dental coverage
Usually you belong to one program at a time based on your status and income. If you happen to hold coverage under another government plan as well, the plans coordinate so there is no duplication. Bring the details of any second plan and we will sort out the order of billing.
No. For all three programs we submit the claim directly. You are only responsible for any co-payment your plan does not cover, and we tell you that amount before treatment begins.
Refugee claimants are covered under the IFHP, not the CDCP. Once your status in Canada changes and you meet the income and insurance rules, you may move to the CDCP later. Our team can walk you through the transition.
Each program has its own benefit list. In general they fund diagnostic, preventive and basic care such as exams, cleanings, fillings and extractions, with some major and specialized treatments needing prior approval. We confirm what your specific plan covers before we recommend a treatment plan.
The CDCP uses your adjusted family net income, which is not the same as your gross salary. Because deductions can change the figure, it is worth checking rather than assuming you are over the line. Eligibility is confirmed through the official CDCP application, not by our clinic.
Yes. We welcome new patients using the CDCP, IFHP and NIHB. Call (647) 699-3277 or request an appointment online and mention which program you are on.
Book your covered visit in North York
Bring your plan details and let us handle the billing. We are at 6006 Yonge Street, near Centerpoint Mall, with free on-site parking.