New Rules For My Insurance Medical

NEW RULES FOR MY INSURANCE MEDICAL EXAM

The characters in this story are all over 18 years of age, and bear no resemblance to anyone, living or dead.

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Can you keep a secret? If so, continue reading. If this story were released, it would prove extremely embarrassing to me, for reasons that will become clear as you read.

Reading my email at the office that morning took me by surprise. Awakened memories of the prior year flooded my mind, and it would be hard to concentrate on my work for the remainder of the day.

My name is David. I'm 39 years old, stand six feet tall, weigh 185 lbs., and I am still a professional with my consulting company. It was almost a year after my first company insurance medical exam in our office, conducted by Dr. Moore, our CEO Jessica and the insurance representative Heather. The humiliating memory faded over the ensuing months, even though I regularly see my CEO Jessica, who participated in the exams in the office, as well as my fellow employees who went through the ordeal.

My memories snapped right back to that event when I saw the intra-office memo addressed to ALL pop up on my computer screen. I saw that the two new women employees were included in the header.

"I'm advising all employees that your annual insurance physical examinations are scheduled for next Tuesday. Unlike last year, the exams will be conducted at Dr. Moore's clinic in town (address given). The exams will begin at 9:00 a.m., so no need to come into the office first; just report to the clinic.--Jessica, C.E.O. P.S. Everyone is required to self-administer an enema prior to arriving at the clinic."

I was slightly relieved that it would not be the same humiliating exam we had here in the office, where we all had to wait together just in our underwear in the CEO's reception room prior to the exam. That exam, although conducted individually in the CEO's office, was conducted by Dr. Moore, a 30-ish female physician, and assisted by the CEO herself, Jessica. The insurance representative, Heather, a 25-year-old woman, witnessed and participated in various aspects of the exams.

I didn't want to even think of the humiliating procedures I underwent in front of those fully clothed women.

This time, we were required to take an enema before the exam. That made me uneasy. Since the last exam, two of my male colleagues resigned. In their places, two young single women were hired, so there were still eight employees. One was Erin, about 26 years old, 5'5" tall, 120 lbs. with long dirty blonde hair. The other was Marcy, about the same age, slightly taller, about the same weight, with shoulder-length brunette hair showing some red highlights. They are cute-looking women with attractive figures and great personalities.

We all had conversations about the upcoming exam, and the two new women were very curious as to how they would be conducted. Their pre-employment physicals were done by their personal physicians, so they were nervous about undergoing examinations at a different clinic. While we didn't go into excruciating detail about our prior exams, we told them enough that they knew we were highly embarrassed and hoped that sort of thing didn't happen again.

While they were thinking about that, I was thinking about both of them pulling down their panties and giving themselves enemas.

We didn't dwell on the exams, thinking that being in a clinic would at least give us more privacy than we had last time in the CEO's office.

On Tuesday morning, I gave myself an enema at home, then arrived at the clinic just before 9 a.m. I joined the others in the waiting room, where we all began filling out paperwork, waivers, etc. I noticed that Marcy wasn't there yet.

While Heather was collecting the forms, Jessica, our CEO, and Lindsey, our COO, began pairing us up. Recall that Lindsey was not around for our last exam, but I'm sure she was fully briefed by Jessica afterwards.

Jessica said that, because of the size of the clinic, we would be paired for our exams in each of the four exam rooms to expedite the process. We were to obey all instructions so we could move things along. Unsaid was that cooperation would let us remain employed.

It was interesting that Paul, about 28, 5'10" and youngish looking, was paired with Erin. I guess there wasn't much choice, since we were an odd number. I did not have a partner, but that was fine with me.

We were directed to the exam rooms and instructed to remove all our clothing except for our underwear. There would be exam gowns on the exam tables for each of us. I was jealous of Paul, because he was going to get a look at the cute, unclothed, Erin.

I closed the door and began undressing, not using the screen (which was only a half-screen anyway) off to the side. When I got down to my t-shirt, there was a knock on the door just before it opened. Lindsey quickly led Marcy in. Marcy apologized for being late, but her car had trouble starting.

Once she instructed Marcy on what to do, Lindsey left us alone in the room. Marcy, looking at me in my shorts and t-shirt, asked, "Do we really have to get down to our underwear?" I told her it was best to obey the instructions, and it would all be over quickly. She sighed, none too happy about it.

I removed my t-shirt as she began removing her blue blouse and filmy yellow skirt. I detected a light perfume scent, which was flowery but pleasant. She looked at the bulge in my shorts while I looked at her flat tummy, tanned breasts in a plain white bra, and thin pink panties over slim hips. We both put on our gowns (mine was noticeably short) and made some small talk, mostly about how we had never been in these circumstances before.

I hesitantly asked her if she took her enema, and she said it was a bit difficult to do herself, but it went fine. She asked me about mine, and I said there was no problem, as I had done it occasionally in the past. While I was answering, she looked me right in the eye as if she were very interested in my answer.

The door opened, halting our conversation. Jessica and Lindsey walked in, Lindsey holding a clipboard with some forms on it. Dr. Moore's nurse entered with them, and told us she would do some preliminaries before the doctor got to us. The nurse looked younger than Dr. Moore, but that didn't raise any concerns. I noticed they were all wearing form-fitting skirts showing their legs. They were all wearing blouses which hugged their tits and showed some cleavage. That was different from what they usually wore in the office--sweaters and slacks. Why was that?

Our CEO and COO stood to the side while the nurse prepared the preliminary forms. She then turned to Marcy and asked her to face the nurse before stepping on the scale. When she did, the nurse undid the gown's bow at the back of her neck and told her to put her arms at her sides so she could remove it. This surprised Marcy, but she remained facing me. Nice compact body, I thought.

The nurse slid the gown off, leaving Marcy in her bra and panties. She looked Marcy in the eye and said, "We only weigh patients naked to get an accurate reading in our clinic. I'm going to remove your bra and panties before you get on the scale," the nurse said. I almost choked.

Marcy looked panicked and about ready to bolt, but managed to stand still while the nurse unclasped her bra and pulled it off. She was still facing me, and my gaze was fixed on her pert breasts and brown nipples. The nurse slid her panties down and had her step out of them. She was now completely stripped, and her face was turning red with the embarrassing exposure. The CEO and COO looked on with appreciation.

"Don't be embarrassed, Marcy, David will have his turn in a few minutes," the nurse explained. I started to blush as soon as I heard those words. My cock was already pushing out against my shorts just seeing my friend Marcy at her most vulnerable. My turn was going to be unbearable.

Marcy got on the scale, her back to me now, and I savored her round, firm buttocks with a smooth cleft running between nicely sculpted cheeks. The small, light hairs and goosebumps on her bottom just added to her sexiness.

The nurse made her turn around to face me again and she measured her height. I noticed her pubic hair was trimmed, but not shaved bare. The lips were smooth and puffy, but I couldn't see her clitoris at the top of the slit. She was amazing! So, her official stats turned out to be 5'7" and 122 lbs. naked. Excellent!

Marcy would not make eye contact with me, even after the nurse had her put her exam gown back on. The nurse had Marcy sit at the end of the exam table while she took her other vitals. When that was over, the nurse directed her to stand with Jessica and Lindsey.

"Your turn now, David. Come over to the scale and I'll remove your exam gown. You already know what the procedure is," the nurse said. "I see in your chart that you were cooperative with Dr. Moore during last year's physical, so I expect the same this year." Jessica nodded her agreement to Lindsey.

I went to the scale, but before stepping on, she undid the bow at the back of my neck and pulled the gown off. She looked at my underwear, and reached for the waistband.

"I'll pull your underpants down for you," she said. Now Jessica, Lindsey and Marcy were all fixated on me as she placed her fingers inside the elastic and smoothly pulled them down to my ankles, allowing me to step out of them. And there I was, stark naked in front of the nurse and three women co-workers with whom I associated daily.

My penis was close to full erection by now, and wobbled above my balls as I turned to mount the scale. I could feel their eyes burning into my bare bottom as I stood there, the nurse taking her time adjusting the balance weights.

When she was done, I was instructed to turn around for my height measurement. This is it, I thought. I turned around and faced all four women with my cock sticking straight out. The nurse placed one hand on my pubic bone and the other on my back under my shoulders, prompting me to straighten up before she adjusted the height bar. My face was hot, and I stared straight ahead, not daring to look at them looking at me.

With a little tap on my right ass cheek, the nurse told me I could dismount the scale. She handed me the exam gown and said I could put it back on for now. So, I stood there with my hard-on poking the short exam gown out in front, waiting for what was next.

There was a knock on the door, and Heather, the insurance rep, came in. I was so glad I had the gown back on. She spoke briefly with Jessica and Lindsey, telling them that their next patient was ready. They finished up their notes and left the room, leaving Heather behind to witness the next parts of the exam.

The nurse asked me to change places with Marcy at the end of the exam table, and we went through the normal vitals procedure, along with eye and ear checks. With my gown being quite short, I tried to keep my legs together and the gown from riding up so my groin area wouldn't be exposed to Heather.

The nurse consulted the exam forms, asked Heather a question about one of the items, and announced the next phase of the exam.

"You can get down from the exam table, David, and let's have Marcy take your place," the nurse said. Good! I was being spared for now.

"I'm going to take your temperature now." The nurse untied Marcy's gown and put it on the counter, leaving Marcy once again naked before us. She tried to wrap one arm around her breasts and put the other over her young pussy, but the nurse interrupted her.

"Turn over and get on your hands and knees," the nurse told her. Marcy was clearly mortified at the thought of doing that with me and Heather looking on. The nurse gave her no time to think about complying when she took Marcy's shoulders and turned them around so she had to turn over. The nurse placed her hand under her pelvis and lifted her up so her ass was in the air and her shoulders were on the cushion.

"Now keep your nipples on the cushion and spread your knees so I can have full access to your bottom," the nurse ordered. The nurse seemed like she was well-practiced in these types of exams, and maybe even enjoyed it.

While Marcy was getting into position, I could only stare at her tight, upturned bottom. Because of her positioning, her buttocks were spread a bit, and both her pussy and anus were visible. I noticed her light brown pubic hair covering her pussy lips continued down her perineum and into the cleft between her cheeks, surrounding her anal ring.

I swallowed hard at that beautiful sight, mindful that my own arousal was visible to all of them. I just could not look away. My focus was interrupted by the nurse asking Heather if she would be able to take MY temperature at the same time, so they could complete the exams as soon as possible.

Heather seemed very eager in her affirmative response. Having been through last year's exam in the CEO's office with Heather, I could only imagine what was coming next.

"There's not enough room over here, so why don't you pull the chair over and he can go over your lap," the nurse instructed. As the nurse brought over a tube of lubricant and a rectal thermometer, Heather dutifully brought the chair over.

She directed me to stand at her right side while she removed my gown. Once I was again fully nude, she told me to go face-down over her lap and put my hands on the floor. She pulled her skirt up high on her bare thighs, telling me she didn't want her good skirt to be messed up. As I assumed the position, she spread her legs, guided my hard cock between her thighs and clamped them shut, holding me firmly in place.

Heather made me spread my legs apart, then reached down to free my balls so they were resting on her thigh behind me. I felt her reach for the thermometer and lubricant on the nearby table. A moment later, she was ready.

"Now hold still, David. I have to lubricate your anal passage for the thermometer," she said. I was embarrassed, since Marcy and the nurse were so close they could hear everything. From my position, I could turn my head to the right and see the nurse spreading Marcy's bottom cheeks and coating her little puckered hole with clear lube. My penis was rock hard, rubbing the smooth skin on the inside of Heather's thighs.

I twitched slightly as I felt the cold lube on the tip of Heather's finger touch my sphincter, moving in small circles. Slowly her finger penetrated my asshole, twisting as it snaked inside to completely coat the passage.

While this was happening, I saw Marcy turn her head and look right at Heather's finger twisting inside my bottom. I was relieved that she couldn't see how hard I was between Heather's thighs.

My senses heightened more than ever, I was completely embarrassed to be naked over a strange woman's bare thighs with my bottom in the air, her finger sliding in and out of my most private hole, all while two other women looked at me.

Heather removed her finger from my rectum and picked up the thermometer. "I'm inserting the thermometer now, David, so stay still for me," she said. Her fingers spread my cheeks wide apart, and I felt the slim glass tube enter me and twist until it was well inside. She let my cheeks close, while her warm hand stayed splayed across the crevice of my buns as she held the thermometer in place.

As Marcy and I watched each other with keen interest, the nurse slipped her finger into Marcy's tight little anus and coated the inside thoroughly. A moment later, she replaced her finger with a rectal thermometer, holding it in place. I could see all the way up Marcy's thighs to where her pussy lips were puffed out and the red-tipped thermometer was gripped by her anus. I was afraid I was going to cum right between Heather's legs.

Our times were up together, and we watched each other's thermometer being extracted and read. The nurse had me stand up and Marcy get down from the table. This meant me extracting my hardon from between Heather's thighs, which she kindly opened for me. I was leaking some pre-cum, and I left some on the insides of Heather's thighs. Without a word, she wiped her thighs with a tissue and we continued on.

The nurse handed Marcy and me specimen jars and told us we needed to supply a urine sample. I was about to go into the small bathroom off to the side, but the nurse told me to wait.

"Heather, take Marcy into the bathroom and witness her sample, but leave the door open. It's a pretty small room. I will collect David's sample right here," the nurse said.

"Can't I do this in private in the men's room down the hall?" I asked hopefully.

"No, the collection has to be witnessed to be sure there is no tampering with it. Don't worry, I've done this before, so you needn't be bashful," she said.

I took a deep breath and took the little cup. She held it in her left hand, while I placed the tip of my penis in the cup. After relaxing for a moment, I was able to provide about half a cup, which was enough. While I was doing that, I could see Marcy squatting over the toilet peeing in her cup as she watched me do the same.

As we wiped ourselves off, the doctor entered and the nurse told her they were through with the preliminaries. The doctor asked the nurse how Heather was doing in assisting with the exams. The nurse said she was pleased with her performance and she learned quickly from the other exams. Heather beamed with appreciation at the kudos for her new skills.

The doctor asked the nurse to finish up in Room 1, so she left.

"I think I'll take Marcy first, since David's exam will take a bit longer," Dr. Moore said. "OK, Marcy, on the table on your back, and put your legs in the stirrups when I bring them up."

Marcy looked at me, then quickly looked away with embarrassment. She slid onto the table, and moved her bottom down to the end after placing her legs in the stirrups. Dr. Moore adjusted them so Marcy's legs were spread wide, and we all could see her glistening pink pussy and tan puckered asshole between her cheeks. I looked up at her chest and saw her pert brown nipples at attention. Marcy just stared at the ceiling.

The doctor started with a breast examination, slowly palpating each breast in gentle circles. Marcy's nipples stayed erect the whole time. The exam went quickly, and Dr. Moore was apparently satisfied that all was normal.

I watched while the doctor spread her pussy lips to expose her clit and inner lips, and examined her clit closely. I couldn't be sure, but her clit looked somewhat engorged; clearly larger than when she first undressed. I saw the nurse look down at my straining erection, then look up into my eyes, letting me know that she knew exactly what state I was in. I didn't know why I had to stand there naked, and I was getting fidgety.

The doctor ran her fingers through Marcy's pubic hair looking for any skin abnormalities underneath. She commented that her pubic hair length was correct, then looked at me without saying more.

The doctor lubricated a vaginal speculum and inserted it into Marcy's pussy, looking around with a penlight to be thorough. She slipped the speculum out, then inserted two fingers inside and felt around. While she still had her fingers in her pussy, she slipped one up into Marcy's rectum and felt around for a few seconds. Marcy had her eyes closed the whole time, and never complained of any discomfort. Finally, the doctor finished the exam and asked Heather to clean up Marcy's groin and anal areas.

While the doctor was washing her hands, the nurse helped Marcy off the table and told me to assume the same position on the table. It was my turn, and I didn't know if I could contain my humiliation.

With my cock and balls swaying, I got onto the exam table, feeling the warm crinkly white paper that Marcy had just occupied. Lying back, my hardon rested on my lower abdomen pointing up towards my chin, as the nurse and Heather placed my legs into the stirrups.