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.
New recommendations from the U.S. Preventive Services Task Force, which is part of the Department of Health and Human Services, state that women who are 21 to 29 years old only need a Pap smear every three years. And those under the age of 21 do not need a Pap smear at all, regardless of sexual history. And healthy women age between the ages of 30 and 65 need a Pap smear only every five years if they combine it with a test for human papillomavirus, or HPV, which can develop into cervical cancer.