An escrow account is a special account dedicated to covering the costs for: Real estate taxes. Homeowner's (hazard) insurance. Mortgage insurance, if applicable. Catastrophe (wind) insurance, if required. Flood insurance, if required.
Pap Smears. Recommendation. Don't perform Pap smears on women under the age of 21 or women who have had a hysterectomy for non-cancer disease. Most observed abnormalities in adolescents regress spontaneously, therefore screening Pap smears done in this age group can lead to unnecessary anxiety, additional testing, and cost.
Screening may be carried out every 5 years for women over age 30 if a Pap smear and HPV test are performed. No upper age limit for screening exists because the incidence of cancer of the cervix increases with age at a time when women may be less likely to get a Pap smear.Diagnosis of most of these cancers is in women older than 50 years. Even after menopause, a woman should continue to have regular Pap smears.Women over age 65 or older who have had three or more normal Pap tests in a row and no abnormal Pap test results in the last 10 years may choose to stop having Pap tests.omen over age 65 or older who have had three or more normal Pap tests in a row and no abnormal Pap test results in the last 10 years may choose to stop having Pap tests.