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.
Between 21 and 29, a Pap smear should be performed every three years. In this age group, HPV testing should only be used if a Pap smear returns with abnormal cell results. When a woman turns 30, the Pap smear should be used along with an HPV test. This co-testing should continue at five-year intervals until age 65.