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.
1 Women between ages 21 and 29 should have a Pap test done every 3 years. 2  HPV testing should not be used in this age group unless itâs needed after an abnormal Pap test result. 3  Women between the ages of 30 and 65 should have a Pap test plus an HPV test (called âco-testingâ) done every 5 years. Women between ages 21 and 29 should have a Pap test done every 3 years. 2  HPV testing should not be used in this age group unless itâs needed after an abnormal Pap test result. 3  Women between the ages of 30 and 65 should have a Pap test plus an HPV test (called âco-testingâ) done every 5 years.