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.
All women should have a Pap smear every three years between the ages of 21 and 29, according to the American College of Obstetricians and Gynecologists. 1  Women aged 30 to 64 should have a pap smear alone every 3 years, or pap smear and an HPV test every 5 years.