I was 16, and went to my pediatrician for a normal sports physical. My mom waited outside my physicals after I turned 14, and I think for this particular physical I may have driven myself, so nobody else there with me. He asked if I had started my periods yet, and I told him I hadn't. He didn't immediately tell me he wanted to do a pelvic, but waited until the part of the exam where he would usually "take a quick peek between [my] legs". He then said he was going to just take a little "closer look", and called on the intercom for the nurse to bring some kind of kit.
I remember that before she came back with it I was sitting on the exam table with a paper gown (just panties on underneath) and he pulled down the sleeves of my gown to look at my breasts. I had such small breasts that he just did a little massage all the way around with my arm raised and asked if I was performing self exams (I told him I was because I knew he would want to teach me how if not, and possibly even have me do one on myself in front of him!!). Then he had me lay back and repeated the breast exam on both sides, at which point I felt very vulnerable, and having this man's large hands on my exposed breasts, looking at them and examining them was getting me QUITE aroused down below!).
He then had me pull my arms back into the sleeves, and took a paper sheet out of one of the cupboards. This hadn't happened at my other exams, and it made me nervous because I had seen it used in medical shows on TV, and knew what he'd do next. About that time a nurse knocked at the door and handed him a clear plastic box with lots of neatly-arranged instruments and wrapped objects in it. He set it on a rolling tray and came back over to the exam table. He spread the paper sheet across my lower half and then pulled the bottom part of my gown up--just enough to see my abdomen. He spent quite awhile examining me here, pushing a lot, almost feeling like a massage--the most arousing part when he slipped a hand down the waistband of my panties to feel the very lower part of my abdomen.
He then lifted the bottom end of the paper sheet covering my legs, and pushed my legs up, told me to lift my bottom off the table, and pulled my panties off. He then spread my knees apart (I helped since I was familiar with this procedure, always used when he did the regular genital exam) I felt the familiar feeling of my labia spreading, and the traditional coolness--this time a bit more since I think I was aroused more than I'd ever been, and I was quite wet. he then pulled the sheet down just past my exposed vulva, and had me lift my buttocks so he could tuck the top part in under me. He put on gloves, which wasn't typically done, and pulled the rolling tray closer. I watched intently as he focused between my legs, and spread my labia apart even more. He always lifted my clitoral hood back, and would mutter, "mmkay" and kind of work his way down, until finally lifting my lips away from my vagina and just taking a peek at the opening. This time though he took his time, and actually used a finger to pull downward a bit on my vagina, I think to get an idea of the size of speculum to use. He turned to the cart and grabbed the (tiny) metal speculum, and said "I'm going to have you take some big deep breaths and just relax down here for me, again putting a finger at my vaginal entrance (which I KNEW must have been SO wet), and pulling down slightly. I felt the blades at the outside of my opening, and then felt them slide gently in, I felt myself being spread, and then some adjustment (a very strange feeling) before the speculum clicked. There was no lamp or light in the exam room, but he used a pen light wrapped in plastic to look inside me. He then took a sample with a q-tip, but no scraping, before pulling the speculum out.
Then he began spreading some lubricant on his gloved fingers and said "I'm going to just feel inside of you real quick, so relax down here again for me and take some more nice deep breaths, ok?" I felt him hold my labia apart with one hand, and inserted a finger from his other hand. I had inserted small objects into my vagina while masturbating, so it didn't hurt at all--in fact, he was moving so slowly that it felt very drawn out, giving me time to think about what was happening and making me even more aroused! I felt him kind of swirl his finger around inside of me, feeling the walls of my vagina, and just the one finger seemed to be enough to completely fill me, but not hurt in the least. He then said, "I'm going to see if we can feel your ovaries real quick here, let me know if you feel any tenderness, ok?" He felt each side while pushing on my lower abdomen, and then said "ok let's just check and see how your uterus is developing" and pushed around a bit more, grazing my outer labia a bit, each time. Then he withdrew his finger and told me that everything looked and felt healthy, just developing a bit slower than most girls my age. He told me that I should expect to start menstruating within the next few months, but to let him know if I hadn't started by my next physical. He used a kleenex to wipe a bit of the lubricant away, took the paper sheet off me and told me I could get dressed.
I did start my period shortly thereafter, but that was definitely the beginning of my medfet!