I am being fucked by my doctor and my insurance pays for it.

My gynecology appointment did not go as I expected it to.

I made an appointment with a gynecologist that was in my insurance network. I wanted to get a complete check up before my husband and I started to have our children. We had agreed that we wanted to have three. Hopefully we would have two boys and girl. I thought it would be good if the girl came first.

My name is Cheryl Diggs. I am a 22 year old white female. I am 5’5” and weigh 122 pounds. I have not measured myself but I am slim and wear a 32-B bra. Ned and I have been married for two years. I did have sex with a couple guys before I met Ned and we did having sex together starting about a month after we started dating. I had been on the pill from when I was 14. Mom wanted me to be safe if someone raped me or if I got carried away with some boy and could not stop. She had a serious talk with me and told me that she had been raped when she was my age and she got pregnant from the rape. Four months into the pregnancy she lost the baby. Otherwise I would have a much older brother. I listened to her and understood why she put me on the pill.

I never got raped but I did get carried away with a couple of my boyfriends, so I was happy for my pills. Finally I met Ned and fell in love for real. After six months he proposed and I said yes. We quickly married. Ned is two years older than me. I never asked him about his prior sex life, but from the things he did with me and how good he did them, I was very sure that I was not his first. I often thought about asking him to tell me about his past sexual encounters, and I would get wet thinking about them.

My doctor’s name was Dr. Winn Larson. I got to the office and first a nurse came in and took my BP and the other things that doctor’s appointments always start with. Then I waited for about five minutes after that for the doctor.

There was a knock and then the door opened. I was surprised when Dr. Larson was a male. It had not even entered my mind that a gynecologist would be male. He was attractive, tall and blondish brown and nicely put together. He looked to be of Nordic decent and in his early to mid thirties. He smiled and introduced himself. I nervously said Hi.

We talked for a couple of minutes and he asked several questions about my health and my sex life and how long I had been on the pill. Then he calmly told me to remove my panties and get up on the exam table and put my feet in the stirrups. I took them off, pulled my skirt up to my waist and I got on the table, but it felt weird exposing myself to him like this. I was shaved because that is how my husband likes me. First he got down close between my legs. He looked all around the area and then put on a pair of latex gloves, reached down and parted my outer lips. I heard him say, “Hummm.” He installed a metal ring that held my opening wide open and looked inside, closer using a light.

Next he removed the ring and put one gloved finger against my opening. “I am going to feel inside to see if I feel anything abnormal. Just relax.” As his finger slid in I jumped. “Relax. Everything is looking good so far, very good.” He felt all around. Then he added a second finger and pushed deeper. His thumb touched my clit. I jumped again and this time I moaned. He smiled at me. His fingers started moving in and out. My brain told me that he was finger fucking me. That should not be part of the exam.

“Doctor, what are you doing?”

“I’m testing to see if your sexual reactions are normal. So far, so good, just relax. You’re getting nice and wet. That’s good.” Then his thumb started rubbing my clit. I moaned deeply. He pulled out just long enough to remove his latex gloves. His fingers pushed back into me and he continued pushing in and out. I found myself starting to raise my hips up to match his finger’s thrusts. It was feeling so good and I was moaning constantly. I was on the edge of an orgasm.

“I want to use a different instrument to examine you deeper. Is that OK?” I looked down and saw that his hand was on his crotch. My mind spun and my pussy tingled.

“Yes. Give me a very deep and thorough examine.” He adjusted the exam table so I was spread as wide as I could be. I was sure about what he was intending to do. I knew it was wrong for a doctor to do this but I also knew that I wanted him. I watched him unfasten his slacks and drop them to the floor. I was greeted to the sight of a very hard male part that had to be over seven inches. My husband was exactly six inches. We had measured him just for the fun of it. The doctor’s manhood was also thicker. He stepped forward and I felt the tip touch my vaginal opening. He slowly slid in. I heard myself say, “YES!” He started fucking me. At first it was slow and gentle, but as he kept doing it, it became harder, faster and deeper.

He fucked my cunt for at least six or seven minutes. I was constantly moaning and pushing back at him. My husband does not last more than two or three minutes. I orgasmed and it was a good hard one. I closed my eyes and grasped my tits. My whole body quivered as he emptied his balls deep in me. I felt his cock swell and then pulse several times as his sperm rushed down the length of his shaft and into me. I could feel some of it dripping down my ass crack. I almost passed out. It was the strongest climax I had ever had.

He pulled out and put himself away. “That was a very good examine. You are perfect. I do suggest that you do not try to have children for at least another year, and that you come back to see me once every three months for follow up examines and to stay on the pill.” He pushed the intercom button and said, “Nurse, please come in here.”

I was still in the stirrups when she came in and leaking the doctor’s cum.”Nurse Larson is my wife. Honey, Mrs. Diggs is a mess. Will you please clean her up.” The quick reply was “Yes doctor.” Dr. Larson then left the room. His wife walked up to me and got between my legs. She leaned down and pressed her face against my cum covered pussy. She ate me out, licking my clit and lapping at my dripping cunt till I had another orgasm. Then she wiped her face, sprayed a foam spermicide inside me and used a wet wipe to clean me and said I could get off the table and put my panties back on.

“The doctor wants to see you again every three months for at least a year and a half for follow-up examines. Stop at the front desk and they will make the appointments for you.”

I did not tell my husband what had happened. I only told him that the appointment had gone well and that I was healthy. I told his that the doctor wanted to see me a few more times and had suggested that we wait a while before trying to get me pregnant. I gave my husband an extra good sex session that night, sucking him both before and after he fucked me.

About three weeks later, my monthly insurance statement arrived. I saw that the insurance company had paid the doctor $275 for my appointment. I didn’t have a co-pay. I realized that he wanted for me to come to his office every three months because that was how often my insurance would pay him. I was pretty certain that he was having several other women on similar examine schedules. I circled the date on my calendar for when my next appointment is.
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