Dental Office Accounts Receivables should consist only of bounced checks, credit card charge backs and overdue or nonpayment from insurance. High ARs indicate an office with a flimsy financial policy and/or the front desk does not follow up quickly enough when an insurance payment is not received in a timely manner. A claim should be considered overdue at thirty days. Some offices use twenty days when filing electronically. Insurance reports should be run at least weekly. Daily is even better.