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.
It is recommended that all women get a Pap smear done within 3 years of becoming sexually active or by age 21. Pap smears should be done every year for at least 3 years, and if they are all normal, your health care provider may change your Pap smear schedule to every 2-3 years.