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.
So in summary: 1  Women between 21 an 29 should get a pap smear every 3 years. 2  Women between 30 and 65 should get a pap smear plus an HPV test preferably every 5 years, or a pap smear alone every 3 years as an alternative. Ask your doctor if your pap includes a test for HPV.