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.
Follow Following Unfollow Pending Disabled. A Patricia Geraghty, NP , Women's Health, answered. A woman over 30 years old, who has had normal pap smears and negative HPV tests, should continue to have pap smears every 5 years. She may stop having pap smears at age 65.