I've made a few fictional stories over the years. My “The Island” series is still a work in progress that I hopefully will continue one day. This tale, however, is a true encounter. As such, it's a bit bland by some measurements.

Some time ago, I began talking to, then dating a woman that lived semi close to me. We had some common ground in that we were both single parents and both were relatively well traveled. There were a few areas where we differed, but mostly, we seemed to be a good fit for each other. We shared a sarcastic sense of humor and a healthy physical interest in each other. She was a pretty open book, in the physical sense and emotionally as well. Our communication in the bedroom was possibly the best I've ever had. For the purposes of this after action report, I shall call this woman “Betty”. Betty and I broke up after a few months, but some of our interactions, like this one, were quite steamy.

Betty and I had been chatting back and forth for quite some time. We'd hung out. Dated. Shared intimacy, etc. At one point, the topic of roll playing and such came up. Keep in mind, this woman had seen a lot more of my goofy/nerdy side than I'd usually reveal. That's something I've noticed as I've aged. I'd rather someone see me for myself and say “whoa, easy there bud” vs hide my nature behind a "devil could care" facade. Anyways, the topic was broached. She mentioned a few ideas. I mentioned a few, including an adult version of “playing doctor”. This sparked a conversation that was basically a sext-athon. She urged me to prepare to give her a checkup in the future. I tried to contain myself.

A few weeks went by and a rare opportunity came for us: A shared night in with both sets of kiddos taken care of by other family members. I'd brought an overnight bag that contained spare clothes and some “medical supplies”. Betty and I retired late that evening, at her house. As per another request, I gave Betty a relatively thorough body, leg and foot massage. I was not overly pervy in this effort. I genuinely wanted her to relax. Certainly, I was contemplating a play exam. But, truth be told, I kind of thought she'd either forgotten the request or would delay it to another day. I managed to make her back pop in a few places and she seemed very relieved afterwards.

“Thank you, I really needed that,” Betty said quietly, clearly content.

The woman sat up on her bed and made eye contact in the semi dark room for a moment, before averting her gaze.

“Doctor, I think I'm ready for my physical now,” she declared.

“Are you sure?” I asked, trying to not seem overly eager despite my heart racing.

“Yes, I want you to be very thorough. I want to make sure I'm in good health.”

Holy crap. This was actually happening.

“And you promise you'll tell me if something is...too much?”

“Yes. I promise.”

“...well...okay then. Let me get my kit.”

Over the years I've dated (and been married) up and down the bathroom scale and height. My ex is 5' 10” and weighed 110 lbs on most days, pregnant or not. Betty was double that weight and about 5' 2” but carried it well. For reference, I'm 6' 0" and about 180 pounds these days and was pushing 200 when this evening occurred. So this relatively short, pleasantly plump woman with dark hair and dark eyes watched me eagerly as I pulled out a few things from my overnight bag. I set a notepad and pen on the bed beside me as well as a glass thermometer, rubber gloves, a pen light, stethescope and blood pressure cuff.

“Very well ma'am. Thank you for inviting me into your home. I typically don't make house calls, certainly not at this late hour. But you were quite insistent.”

“Thank you doctor.” Betty replied.

I gulped.

“Here, we'll start out with the simple stuff and move on from there. Could you give me your arm please...thank you”

I threaded the blood pressure cuff onto the woman's right arm as she sat on the edge of the bed beside me. I donned the stethscope and it to her wrist. Using the included pump, I pressured up the cuff to about 160 and slowly let pressure off, listening for the change in pulse sound. I was taught how to do this years ago in college, but have never actually used this skill professionally. The stethscope had been a great value brand purchase a couple weeks prior and frankly didn't work very well.

“126 over 75, nothing to be concerned about,” I declared, before scribbling the notes on my pad.

I removed the blood pressure cuff and cycled through a few generic doctor questions. Any issues with digestion or sleep? Any pain? Etc.

Next, I pulled out the glass thermometer. The new ones use a reddish liquid (I think it's an alcohol solution but I'm not positive) as opposed to mercury. When I'd described this scenario in our chatting, I'd said that temperature would probably be taken rectally. But I didn't want to push my luck so early, so I asked and gently placed the thermometer under Betty's tongue. And before anyone asks, it was brand new. No tasting the difference in thermometers... Anyways, while it registered, I felt for and recorded the woman's pulse. That part was easy, 90 BPM. I'd say Betty was a bit excited.

“And let's have a look...98...maybe 99. No fever at least,” I said after removing and checking the thermometer.

Next, I used the pen light to briefly dilate Betty's brown eyes before looking into her mouth and throat. After scribbling a note, I began using both of my hands to feel on the woman's throat and lymph nodes. Commenting that all was in good order, I put the stethscope back in place on my ears. I slightly lifted the woman's t shirt and slid the scope to a spot close to her left breast, then around to her back, then to her gut. I heard her heart beating quickly and stomach gurgling slightly.

“Alright ma'am. Do you have any family history of breast cancer?”

“No doctor. Should I be concerned?”

I'll give her credit. She was really playing into the session.

“It's always a bit of a concern. I'd like to perform a breast exam, if that is alright with you.”

“Yes, of course.”

“Very good. If I can ask you to remove your top then please.”

Betty pulled her t shirt off entirely, letting her volumous breasts hang above her belly.

“Thank you. Please don't be alarmed, you'll feel me touching you now.”

Bare handed, I reached out and gently touched the top of one breast. I ran three fingers across every inch of the appendage, pausing for a moment before circling her nipple. Betty swallowed, clearly interested as the nipple grew hard. I gave the nipple a tug, then made a “hmm” noise.

“Not causing you any discomfort, am I?”

“No, not at all doctor.”

I moved on to the other breast and went through the same motion. I was very thorough in touching all of her breast, supposedly searching for lumps. My final move was to gently pull on the erect nipple on this breast as well.

“Curious. Your breasts seem to react very easily to stimulus.”

“What do you mean?”

“Observe,” I replied.

I grasped both nipples with a thumb and index finger and gently rolled them in tandem for a few moment. Betty closed her eyes and sighed.

“I...I see what you mean,” Betty admitted.

“Very curious indeed. It would seem that there are no irregularities though. No masses or growths to be concerned with.”

I stopped the nipple massage and began digging through my overnight bag.

“Okay ma'am, the final step of our checkup. You'd indicated that it had been some time since you'd had a pelvic exam. We will finish up with that bit, then be done,” I explained.

“Yes doctor”

“In my office, I'd be able to have you in a more comfortable position, but for a home visit, we will have to improvise. I'll ask you to remove your bottoms and lay down on the bed on that towel,” I directed.

Betty shimmied her lace underwear and shorts onto the floor. I tried to stay in character, but I probably stared a bit too much as the now completely naked woman lay down on the bed. She placed her feet flat on the mattress, spreading her legs to expose her completely waxed sex and anus. And yes, that bit is completely true. In the past, she had said she felt cleaner/sexier/more comfortable with that level of grooming and swore that she maintained it regardless of relationship status or sexual activity.

“Very good. You are doing so well,” I said.

I pulled a pair of latex exam gloves on. The pair I had were blue and were for painting, but they worked fine for this evening.

“I'm going to start with an external exam first, then move on to the internal. If you feel any discomfort of any sort, then please let me know immediately,” I continued.

I positioned myself side saddle on the bed, close to the woman.

“You'll feel my hand on your leg now...” I explained.

I gently touched my left hand on the woman's inner thigh, then ran my fingers down towards her intimate bits. Betty gasped slightly as I felt down then up on her labia. It was fairly obvious that she was wet already. This was reassuring to me at least. Truth be told, I was still amazed that she was playing along.

I began asking a series of medical questions regarding the areas I was now inspecting. Have you had any UTIs recently? Any pain during urination? Are you sexually active? Etc. This part of the exam went for a few minutes.

“You seem very sensitive here. Is everything alright?” I asked, gently rubbing her clit.

“Yes...yes doctor, I'm fine,” Betty panted.

I pulled my hands away. I didn't want Betty to climax. At least not yet.

“I'm going to use some lubricant now and conduct your internal. Some women need more lubricant than others. So again, if anything feels wrong, let me know.”

I squirted a healthy dollop of KY onto the palm of one gloved hand and used it to thoroughly cover two of my gloved fingers with the slimy substance. I had a suspicion that it wasn't needed...but, gotta stay in character.

“Same thing, I'm going to touch you now,” I announced.

I brushed my right wrist on Betty's inner thigh, then lightly touched my index finger to her vaginal opening. Betty inhaled sharply.

“Here we go now. Breathe...”

I slowly slid my index finger into her warm and very wet vagina. Buried up to my knuckles, I spun my hand in various positions, feeling all along her vaginal walls. I pulled my finger ¾ of the way out, then made a hmming noise and slid it back in. Betty sighed happily.

“I'm going to use my other hand now. Please don't be alarmed,” I warned.

I placed my gloved, but dry, left hand on the woman's stomach and pressed downward. It's my understanding that a maneuver like that, or one similar at least, is used to bring the ovaries within reach of the inspecting digit. But I was kind of...literally...feeling in the dark on this one.

“You are doing so very well ma'am,” I coddled.

I withdrew my index finger and connected it to my middle. With two fingers clamped together, I slowly invaded her vagina again. With two fingers inside, she felt much tighter but still extremely wet and slippery from natural and artifical lubricants.

“It helps with the examination. I'm sorry for not warning you,” I apologized.

“It's...it's fine doctor. You do whatever you feel is best.”

I slid the fingers in and out, slowly for a bit.

“I noticed something a few minutes ago though. Some sensitivity...” I explained.

Using my left hand, I began slowly rubbing my thumb from left to right on the woman's clitoris. Betty whimpered.

“Yes, very sensitive indeed,” I continued.

I was now finger fucking Betty's vagina while rubbing her clit. I could feel the woman growing more and more excited.

“Seriously. Very sensitive. It is somewhat curious. I'm not causing you any discomfort, am I?”

“No...no... I'm fine,” Betty panted.

This went on for another moment or two. I was harder than Chinese algebra. My blue jeans and brief boxers would carry the stains from my precum for ages, I was sure. Now, I was at a crossroads. Should I try to push it just a bit farther? Or just rejoice in the privilege I'd enjoyed already. This was a far more in depth roll play session than I'd ever had before, medfet or otherwise. I had no doubt that Betty was enjoying things and suspected that a climax was very close. Should I let her cum and call it done? Or should I...

Better groaned suddenly and her hips bucked upwards. I felt her vaginal walls clasping and relaxing in waves around my index and middle fingers.

“Are you doing alright there ma'am?” I asked, smiling.

“Yes...yes doctor. I'm g-great. Was there anything else you...wanted to examine doctor?” Betty asked.

I got the hint on this one and it really excited me.

“Well ma'am. There is one last thing I need to check. It's sometimes part of the pelvic exam but not super common.”

“Whatever you feel is needed doctor.”

“In that case ma'am, I'd like to perform what is called a 'digital rectal exam'. I'll be inserting a single finger into your rectum for the exam, in addition to another finger in your vagina. I assure you that I will be extremely gentle. If you have any discomfort at all, I will stop immediately,” I explained.

Betty nodded.

“If that's what you think is best.”

I removed my right hand's fingers from the woman's vagina and reapplied a hefty dollop of lubricant to my index finger. I then put a fair measure of lubricant on the index finger on my left hand. Thoroughly sticky, I placed my right index finger on the woman's anus. I made no attempt to push or force my way in. I just touched the starfish and spread lubricant in the area.

“I'm going to insert my finger now. If I can ask you to gently bear down, like you're having a bowel movement, this will help.”

I eased my finger inward. The lube and her cooperation worked spendidly. I could feel her ring muscle squeezing my digit as I slid deeper and deeper into her rump, until I could fit no more.

“You are doing so so well,” I congratulated.

I slowly spun and felt various surfaces within the woman's rectum.

“Now for the bimanual portion,” I explained.

I slipped my lubed index finger of my left hand into her vagina. Betty breathed heavily. My attempts to stay in character faded for a moment as I began alternate finger fucking of the woman's vagina and ass. Then I slid both digits to the exits in tandem and slowly drove them together into her body. Betty bucked upwards and moaned happily.

“Are you alright there ma'am?”

“Yes. Oh yes doctor.”

I tandem fingered again.

“You seem like you are having some difficulty staying still for your exam ma'am. I assure you, we are almost done.”

I alternated between fingering ass and vagina for a minute more. Betty was very animated and clearly enjoying herself.

“Okay, one last thing, for real. As I said earlier, there is some sensitivity close to your urethra. There are devices that may help with that,” I stated.

I was off my script now, thinking on my feet while seated on a bed with two fingers in two holes.

“If you think it will help.”

“I do. They go by various brand names and such. But most are classified as 'personal massagers' and can be very helpful-”

I heard buzzing. Betty had retrieved the bullet vibrator from her bedside table in a flash. She knew the assignment.

“I'll focus on that doctor. You focus on your exam please.”

I resumed finger fucking in vagina and anus as Betty gleefully rubbed the vibrator on her clit. I pulled my vaginal finger out, doubled up to two, then re-entered. Betty grunted and rubbed faster. I began fingering faster. I could feel her tightening more and more. Her breathing became rapid and deep. The woman was clearly very close to-

“THERE!!!! UUUUUUUGGGGHHHHH” Betty groaned spectacularly.

The woman's anus clamped onto the one finger heavily and her vaginal walls wildly flexed around the other two penetrating digits. For a few minutes, Betty lay on her back, shaking and sweating with effort. Slowly, grudgingly, I slid my fingers out of her vagina and anus.

“It would seem that you are in perfect health madame.”

I had done it. I'd had a successful, hot, play exam. I was extremely turned on and almost euphoric. Betty cleaned herself in the bathroom and we both sipped on some much needed water. Then we made love that night, in a more traditional sense. It was a hot, sweaty and full bodied affair. But really the highlight of that night was a sexy house call.

I hope this was of interest to all of you. It's completely true. No, it's not super wild and no, not medically accurate. But it's what I experienced and I am happy to say that I, however briefly, “dabbled” in a fetish I've carried an interest in for most of my sexually active years.