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.
Cervical cancer screening is especially important for womenâs health â but how and when it should be done has been the subject of some recent debate. Current guidelines from the American Society of Obstetricians and Gynecologists (ACOG) recommend that women should have a Pap smear every two years starting at age 21.urrent guidelines from the American Society of Obstetricians and Gynecologists (ACOG) recommend that women should have a Pap smear every two years starting at age 21.