Mike called the insurance company and after going through the lengthy process of explaining who he was and why he was calling he finally was able to speak with a knowledgeable account manager. The lady explained that the insurance company had received all the billing information from the Doctor’s office but no medical justification from the attending physician, without the proper documentation the insurance would not cover the cost of the procedure.

As soon as Mike finished speaking with the insurance company, he immediately called the doctor’s office. Despite all his efforts Mike was unable to get the doctor on the phone. Finally, he was able to speak with the male nurse. Benny listened to Mike detail his problem with the insurance bill and his inability to pay such a large bill. Benny put Mike on hold and after several minutes returned to tell Mike that the doctor would address his concerns when Mike came in for his follow up visit next week. Benny went on to stress that the doctor expected Mike to follow his direction concerning Mike’s special attire for the exam. Then Benny was gone without further comment or any opportunity for Mike to ask further questions. Mike was left standing, listening to a dial tone.

As each day ticked off and the day of his appointment with the doctor drew closer, Mike’s anxiety grew. He had entertained the idea of never returning and finding a new doctor to provide his post surgery care but now he needed doc. to supply the right justification. He had totally ruled out the request that he wear black panties, stockings and a garter belt for the follow up exam. After Benny’s pointed reminder, now he was concerned if he didn’t that it would make Doc. mad and Mike would lose his cooperation dealing with the insurance company.

Mike had already experimented many times with cross-dressing in the security of his apartment bedroom. He dug in the special place at the back of the bottom dresser drawer and produced the items Doc. had specified. He wished he hadn’t: thought the ruffles on the back of the black panty were so cute when he bought them; or that he hadn’t picked black stockings with stretch lace tops and a seam up the back. At least the lace garter belt was small and would be hidden beneath the panty.

Finally the afternoon of his appointment with Doc. arrived. After a shave and shower Mike got dressed covering his feminine undergarments with a loose fitting pair of khaki trousers and a sport shirt he could wear with the tail out. After a thorough inspection in the mirror Mike felt reassured that nothing underneath was showing through.

After a quick trip in the car, Mike arrived at the parking lot outside the medical center. He was reluctant to go in, spending time walking trying to decide what he should do and say to Doc. Finally there was no more time left and he went into the building and Doc.’s office.

It wasn’t long after Mike signed in with the receptionist that Benny, still dressed in surgical scrubs, came to call Mike and take him back to an examining room. Benny told Mike to undress down to his underwear that the doctor would be with him shortly and left the room. Mike undressed and sat on a stool fidgeting, uncomfortable with being so exposed and helpless.

There was a knock on the door and Doc. entered carrying a folder closely followed by Benny. Benny closed the door and leaned back against it. Mike rose from the stool to greet the doctor.

Before Mike had an opportunity to say anything the Doc. began “ I’ll bet your biggest concern this afternoon is that letter from the insurance company?” Mike nodded in agreement as Doc. continued “Here’s the problem, we have these two pieces of paper”. Doc. pulls one white and one pink sheet from the folder and continues, “There’s this white page signed and dated by you that says the operation is necessary and then there’s this pink page also signed and dated by you that says the operation is elective done at the patient’s request.” “Which should I submit to the insurance company?” Doc. continued without waiting for an answer. “ The white page is a lie and could get me into serious trouble on the other hand the pink page is true, but will cost you more money than you have.” Mike starts to speak but Doc. holds up his hand and continues. “On the one hand, I did make a commitment to you, but on the other hand, what commitment have you made to me?” “I sense you are not committed to my treatment regiment and plan to leave it and me just as soon as I satisfy your issues with the insurance company.”

Mike worried that Doc. is not going to help with the insurance company blurts out “Not true! I am committed to you and finishing my treatment.”

Doc. muses “How can I trust you?” Pauses then continues”How would you prove what you say is true? How would you demonstrate it?”

Without thought Mike say “ I’ll do anything, anything you want.”

Doc. waits, as if mulling over Mike’s offer and then proposes “If you are really committed, drop to your knees, right here and now, and go down on me.” “Benny will make a video record to insure you won’t be changing your mind later.”

The room is heavy with silence. Doc. and Benny stand motionless staring at Mike. Mike head down, wonders how did he get into this situation and what should he do? After what seems like a long time, Mike surrenders and slumps to his knees knowing Doc. has won again. Doc. opens his trousers and lets them fall to the floor and then slides his shorts down into the pile of fabric pooled at his hairy ankles.

”Just start off by kissing it.” Doc. instructs with a smirk on his face.

As Mike pressed his face into Doc.’s crotch his nose is struck by the smell of a day’s perspiration, smells like a dirty gym sock. He tentatively kisses the limp finger of flesh laying in its nest of tangled hair. At first it recoils like a turtle pulling its head to safety. With each additional gentle peck it begins to swell and spill out in search of more contact.

“Your doing fine. Just make the kisses wet, like you were sucking the juice off a barbequed rib.”Doc recommends.

Mike allowed his lips to part and his tongue to dart out on to the hot flesh. He works slowly pressing the wet kisses and sucking the skin moving up and down the side of Doc.’s organ as it arches its back, raising its head in search of pleasure.

“Ooh that’s it bitch. Now suck it, like it was your favorite popsicle.” Doc. orders.

Mike permitted the head of the now rock hard member to enter through his rounded mouth and then pulled back to the tip resting on his lips. He could taste the salt from the flesh in his mouth. Again he encircled the head and allow more of Doc. to enter his mouth. Slowly with each bob of his head Mike took in more of the swollen gland wetting it with his saliva and sucking back the salty juices. Doc. pressed forward into Mikes face with thrusts from his hips urging his defeated opponent to take it all. As the shaft pressed to the back of Mike’s mouth his body rejected the feeling and Mike jerked his head away as he gagged and fought back the urge to vomit.

“You’ll get past that, your body will adjust, its just requires practice and persistence. Get back to work!” Doc. growled.

Again Mike plunged the heavy, hard stick of flesh deep into his mouth and resumed pumping it in and out. His mouth was full of saliva and it foamed at the corner of his lip and dripped down his chin as his head bobbed up and down now engulfing all that Doc. had to offer. Doc’s hand was on the back of Mike’s head urging him to a faster pace. Then Doc. suddenly grabs Mikes hair with both hands and presses him into his groin . Mike could feel the pulses as they passed through his lips and the bucking of the purple head deep in his mouth as it spued the sticky fluid down his throat.

Doc. released his grip and his hands fell away, allowing exhausted Mike to slump to the floor. Mike crawled to a plastic lined waste basket and stuck his head in to wretch, as if spitting the vile goo out would change the history of what he had just done.

Once Mike regains his composure, Doc. indicates he wants him up on the exam table. “Let’s pull those panties down and take a look at my handy work.” Mike complies. Doc. lifts Mike’s penis out of the way and carefully checks where he made the incision. “Everything looks good, no discharge, no swelling” “You can start to resume most of your regular activities.” “Still no heavy lifting until you get the OK from me.”

Doc. opened a cabinet and took out two brown bottles of pills. “I am upping your estrogen dosage to three pills a day. Take them before each meal and I am adding Motilium . You are to take four of these, one every six hours. Benny has rented a breast pump from the hospital for you. You must use it for twenty minutes every four hours. At night you may sleep for six hours before using it first thing in the morning.”

Mike curious asks” Why do I need a breast pump?”

Doc. “We are hoping with the Motilium and plenty of nipple stimulation to induce lactation, which should speed up your breast development.”

“But how can I maintain that four hour schedule and go to work?” Mike whines.

“Today, after I take care of the insurance company, I’ll write a letter to your employer and explain that there were serious complications post-op and that you won’t be able to return to work for at least thirty days” Doc reassures Mike. “Benny be sure to note all the changes to Mike’s record. Hmm, you know Mike doesn’t sound right for you any more. I think we’ll call you, (long pause) Margaret. No, no, something less formal, Margie will do. I have to go, there another patient waiting. Benny is going to take some measurements and photos so we can document your progress. Your in good hands, follow Benny’s instruction as if he were me. I’ll see you again in two weeks. Oh, next visit wear white instead of today’s black and add a white nursing bra.” Doc. leaves the exam room taking the video camera with him.

Benny has Margie remove her remaining clothes and takes numerous pictures with a digital camera: close up, wide angle, front, back, left side and right side. Margie doesn’t know, these pictures along with the video of her and Doc. will be posted on Doc.’s private web site tonight for all his paying customers to see and watch again and again.

Benny has Margie step up on the office scale and notes in her record her height and weight. “170 pounds and 5 feet 10 inches” Benny speaks as he scrawls the information on the page. “You’ll need to work at getting that weight down. You should set a goal of 140. The estrogen will make your body want to add pounds so you’ll have to be very diligent. No sugars, limit starches and no more than four ounces of meat at any meal.”

As Benny start measuring different parts of Margie’s anatomy he begins a casual conversation.

“In my country I was a doctor” Benny confides.

“Really” Margie replies.

“Yes, I was a very respected surgeon with a thriving practice” Benny continues while noting Margie foot, ankle, calve and thigh measurements. “I would still be there if it hadn’t been for the mishap,.”

“What happened?” Margie asked encouraging Benny to continue.

Benny continued the story as he measured Margie’s wrist, forearm and upper arm “A young man died after I performed a vaginoplasty on him.”

“It wasn’t your fault, was it?” Margie queried.

Benny recorded hips, waist and chest before answering. “No, the procedure went well. The young man refused to follow my post-op instructions to not have sex for at least six weeks. As soon as he left my care, he just had to try out his new pussy. He invited men, no one knows how many to a hotel room. They destroyed all my work, fucking her to death. She wasn’t found until the next day.”

“Well, that wasn’t your fault” Margie announced.

Benny finished by measuring the diameter of both of Margie’s areola and said “The boy’s family was rich and well connected to the government. I lost my licence to practice medicine, then there were threat to prosecute me for malpractice and finally death threats. I lost everything and fled my country.”

“I am so sorry” was all Margie could say.

Benny changed the subject”Based on these measurements your shoes should be a woman’s 10B. Your Panty a size 7 and your bra a 38. The cup size does not matter for now just get as small as is available. I would not buy many items, your body will be changing a lot in the coming days.”

Benny open a drawer in the cabinets and took out a tube of lubricating gel. “Now I need you to bend face down over the examining table.”

As Margie got in to position, she complained “ Another digital rectal exam?”

“Not really” Benny replied as he stepped behind Margie and pushed down the elastic waist on his surgical scrubs.

As she saw Benny applying the gel to his stiff cocoa colored penis she asked “Not you too?”

“You must learn to please many different men in many different ways” was Benny’s reply as he guided his stiff black tipped chocolate poker to its target. Margie’s body tried to refuse entry but soon succumbed to the pressure and Benny slide all the way inside her. Benny’s dark brown flesh pressed firmly against the soft pink of Margie as he ground himself against her. Margie felt Benny’s hand reach between her legs and fumble about until he found her flaccid male clitoris and gripped it. “You must train this to stay tucked back between your legs.” As Benny pumped in and out of Margie’s tight hot hole he pulled and squeezed her swelling flesh as if milking the tit of a cow. Benny was soon breathing heavily and his pace was increasing as he near his finish. He held himself tight against her as his bucking cock began to spurt his hot juices into her. Benny lay still on top of Margie and continued to stroke her until she reached her own release filling his hand.

Benny moved to the exam room sink and washed his hands. “You are still producing a large amount of seminal fluids, that may change soon, too.” “Here are some moist towels.” “You may clean up and get dressed now.”

As Margie dressed and resumed her outer appearance as Mike, Benny opened cabinet doors and removed a cardboard box. He placed it on the exam table and open the top. “This is your breast pump.” Benny checked to insure the contents of the box were complete. “There is an instruction manual and a bag of accessories in the box. Remember you are to do a full twenty minutes after you have the pump working at maximum. I’ll put your meds inside, too. Be sure to follow the dose instructions printed on the bottles.

Mike had finished dressing and Benny handed him the box. “We’ll see you again in two weeks?”

“Yes” was Mike’s only replied as he left the room. Down in the parking lot Mike sat in his car for a long time, wondering what would happen next and what had he agreed to, today in his rush to insure that Doc. would help him. Finally Mike started the car to head for home so he could set his kitchen timer for four hours. He would find out more in two weeks.