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 begin cervical cancer screening at age 21. Women between the ages of 21 and 29 should have a Pap test every 3 years. They should not be tested for HPV unless it is needed after an abnormal Pap test result. Women between the ages of 30 and 65 should have both a Pap test and an HPV test every 5 years. It is also OK to have a Pap test alone every 3 years.