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.
From age 30-65 a Pap smear should be done every 3-5 years. If a women previously has multiple normal Pap smears, the Pap can be spaced out to 3 years. If HPV testing is done with their Pap smear (co-testing), both can be repeated in 5 years.From age 65 a Pap smear is not recommended, if she is low risk.rom age 21-30 a Pap smear should be done every 3 years. No HPV testing is needed yet. Since young women have such strong immune systems and can fight off HPV so well, HPV testing isnât recommended yet.