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.
women between the ages of 21 and 30 should have a pap test every 3 years women between the ages of 30 and 65 should have both a pap test and an hpv test every 5 years preferable a pap test alone every 3 years is also acceptableafter age 65 no screening is necessary if women have had adequate prior screening and no history of cervical canceromen between the ages of 21 and 30 should have a pap test every 3 years women between the ages of 30 and 65 should have both a pap test and an hpv test every 5 years preferable a pap test alone every 3 years is also acceptable