goodwill is reviewed annually during the fourth quarter for impairment . in addition , the company performs an impairment analysis of other intangible assets based on the occurrence of other factors . such factors include , but are not limited to , significant changes in membership , state funding , medical contracts and provider networks and contracts . an impairment loss is recognized if the carrying value of intangible assets exceeds the implied fair value . medical claims liabilities medical services costs include claims paid , claims reported but not yet paid , or inventory , estimates for claims incurred but not yet received , or ibnr , and estimates for the costs necessary to process unpaid claims . the estimates of medical claims liabilities are developed using standard actuarial methods based upon historical data for payment patterns , cost trends , product mix , sea- sonality , utilization of healthcare services and other rele- vant factors including product changes . these estimates are continually reviewed and adjustments , if necessary , are reflected in the period known . management did not change actuarial methods during the years presented . management believes the amount of medical claims payable is reasonable and adequate to cover the company 2019s liability for unpaid claims as of december 31 , 2006 ; however , actual claim payments may differ from established estimates . revenue recognition the company 2019s medicaid managed care segment gener- ates revenues primarily from premiums received from the states in which it operates health plans . the company receives a fixed premium per member per month pursuant to our state contracts . the company generally receives premium payments during the month it provides services and recognizes premium revenue during the period in which it is obligated to provide services to its members . some states enact premium taxes or similar assessments , collectively premium taxes , and these taxes are recorded as general and administrative expenses . some contracts allow for additional premium related to certain supplemen- tal services provided such as maternity deliveries . revenues are recorded based on membership and eligibility data provided by the states , which may be adjusted by the states for updates to this data . these adjustments have been immaterial in relation to total revenue recorded and are reflected in the period known . the company 2019s specialty services segment generates revenues under contracts with state programs , healthcare organizations and other commercial organizations , as well as from our own subsidiaries on market-based terms . revenues are recognized when the related services are provided or as ratably earned over the covered period of service . premium and services revenues collected in advance are recorded as unearned revenue . for performance-based contracts the company does not recognize revenue subject to refund until data is sufficient to measure performance . premiums and service revenues due to the company are recorded as premium and related receivables and are recorded net of an allowance based on historical trends and management 2019s judgment on the collectibility of these accounts . as the company generally receives payments during the month in which services are provided , the allowance is typically not significant in comparison to total revenues and does not have a material impact on the pres- entation of the financial condition or results of operations . activity in the allowance for uncollectible accounts for the years ended december 31 is summarized below: .

Table:
 | 2006 | 2005 | 2004
allowances beginning of year | $ 343 | $ 462 | $ 607
amounts charged to expense | 512 | 80 | 407
write-offs of uncollectible receivables | -700 ( 700 ) | -199 ( 199 ) | -552 ( 552 )
allowances end of year | $ 155 | $ 343 | $ 462
significant customers centene receives the majority of its revenues under con- tracts or subcontracts with state medicaid managed care programs .
the contracts , which expire on various dates between june 30 , 2007 and december 31 , 2011 , are expected to be renewed .
contracts with the states of georgia , indiana , kansas , texas and wisconsin each accounted for 15% ( 15 % ) , 15% ( 15 % ) , 10% ( 10 % ) , 17% ( 17 % ) and 16% ( 16 % ) , respectively , of the company 2019s revenues for the year ended december 31 , 2006 .
reinsurance centene has purchased reinsurance from third parties to cover eligible healthcare services .
the current reinsurance program covers 90% ( 90 % ) of inpatient healthcare expenses in excess of annual deductibles of $ 300 to $ 500 per member , up to an annual maximum of $ 2000 .
centene 2019s medicaid managed care subsidiaries are responsible for inpatient charges in excess of an average daily per diem .
in addition , bridgeway participates in a risk-sharing program as part of its contract with the state of arizona for the reimbursement of certain contract service costs beyond a monetary threshold .
reinsurance recoveries were $ 3674 , $ 4014 , and $ 3730 , in 2006 , 2005 , and 2004 , respectively .
reinsurance expenses were approximately $ 4842 , $ 4105 , and $ 6724 in 2006 , 2005 , and 2004 , respectively .
reinsurance recoveries , net of expenses , are included in medical costs .
other income ( expense ) other income ( expense ) consists principally of investment income and interest expense .
investment income is derived from the company 2019s cash , cash equivalents , restricted deposits and investments. .

Question: without the ar write-offs in 2006 , what would the ending a/r allowance have been in millions?
Answer: 855
Calculation: subtract(155, -700)