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.
â¢ Women aged 21 to 29 should get a Pap test (conventional or liquid-based) every three years. The statement specifically recommends against annual Pap testing. The former guideline called for a conventional Pap test every year, or a liquid-based Pap test every two years, for this age group.â¢ For women 30 and over, Pap tests should be done every three years. The guidelines recommend against annual or more frequent Pap testing for this age group.The previous guidelines said women 30 and over who have had three normal Pap tests in a row may be tested less often -- every two to three years.â¢ Combining the Pap test with HPV testing every three to five years is the preferred strategy for women aged 30 and older.he previous guidelines said women 30 and over who have had three normal Pap tests in a row may be tested less often -- every two to three years. â¢ Combining the Pap test with HPV testing every three to five years is the preferred strategy for women aged 30 and older.