Financial Information

Dr. Less and his staff strive to deliver the finest care at the most reasonable cost to our patients. Therefore, payment is due at the time service is rendered. If you have questions regarding your account, please contact us at (209) 668-ENDO (3636). We accept the following forms of payment:


Money Orders

Cashier's Checks

For added convenience we also accept: VISA, MasterCard, Discover, and American Express.  

We are unable to provide in-house financing. However, we do have an external financing option available for those who qualify, through Care Credit™ or Springleaf.

For more information or to apply online log in to Care Credit.

Insurance information

As a courtesy service to you, we are happy to submit your claim to your dental insurance carrier. We ask that you provide us with all of your insurance information at the time you schedule your appointment. We will then contact your insurance carrier to find out your specific plan’s insurance benefits, and let you know your estimated portion prior to your appointment.

Be advised insurance companies routinely indicate that coverage verification does not guarantee payment.  While we try our best to estimate your out-of-pocket expense, actual payment is determined by the insurance company once they process the claim.

The contract your employer negotiated with your insurance carrier defines your dental benefits. As you read the benefit or insurance plan booklet provided by your employer, you will better understand your benefits. Various dental plans cover endodontic procedures at different payment levels and, as a result, your payment portion may vary.

At the time of service, you will be responsible for the estimated portion that your insurance will not cover.  Please remember that you are fully responsible for all fees charged by this office regardless of your insurance coverage. We will wait 90 days for the insurance company to pay their portion. In the event your insurance company fails to pay, rejects the claim, or does not pay the total balance, you are responsible for the remaining balance. If your insurance pays more than the estimated amount, a refund check from this office will be mailed within 1 month from the date payment is received in our office.  

If your insurance pays less than the estimated amount, you will receive a statement from this office.  Your prompt remittance is greatly appreciated.

Currently, we are contracted providers for:

Aetna PPO Ameritas

Blue Cross PPO


Cigna PPO

Dental Blue- plans 100, 200, 300

Delta Care USA-PMI

Stanislaus Foundation

Delta Dental of California

Delta Health Systems-this includes employees of Foster Farms



Premier Access

Principal Life Insurance Company

While we may not be in contract with your particular dental plan, it does not mean your insurance company completely excludes our office. Many insurance companies pay out of network dentists equal to their in network dentists. Again, our staff will research your insurance and give you the best out of pocket estimate prior to your visit.

The workings of dental insurance can be confusing. To help clarify some important facts, click on the following link to view a list of frequently asked questions regarding dental coverage, as provided by the American Association of Endodontists.

Our staff will gladly answer any additional questions you may have. 

Our Insurance partners