readable PDFs, how can i create them?

Keith S

I know adobe has the rights to the .pdf format, and many of the .pdfs that my family send me are simply scanned images (.jpg like) that I cannot read.  Even my insurnance company has sent me .pdfs that are simply scanned images.  To inform them, and to for my own personal usage and creating needs, how do I actually create a .pdf that is readable with a screen reader?
Using Window eyes, BTW

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