No insurance required | 2016

Back story: Long time reader, first time poster. Couldn’t go any longer without telling the story. I live in a rural area in the north east of the United States. It’s about two hours away from the nearest city. I’m an optometrist. I’m in my mid 30s, and I divorced last year, and I recently moved into a new optometrist office and I was just about to open it up when the story begins.

It was a Friday last March. I had my secretary cancel the few appointments I had so I could go down to the city to get fitted for new golf clubs. My friend is a pro at a big sporting goods store, so I was excited to have something to look forward to—new golf clubs and a brand new year. I got fitted for the clubs and I decided to go one of my favorite bars, an old haunt, for lunch.
I walked into the bar and she greeted me with a welcoming smile. The bartender, Samantha (Sam), was a complete knock out. The best way to describe her is she looks like Kate Bock. About 5’5” skinny, long blonde hair that was in curls, and the most ridiculous blue eyes. I ordered a beer and looked at the menu. As I ordered a sandwich and small talked with Sam, an obvious regular came in and sat down beside me, and they started talking. She explained to this guy that she closed the bar down the other night and went out to her car and on the way home it was hard for her to see. She, in fact, hit a curb and was wondering what was wrong with her car. He explained to her that her headlights are dirty and need replaced. I, somewhat rudely, chimed in and asked her a few questions about her vision and then explained to her that she probably needed glasses. Sam turned to talk to me and said that she was afraid of that and explained that it sounded expensive and she didn’t have insurance. Regular quickly dismissed my suggestions and said it was a problem with her car.
I ate my sandwich slowly and ordered a few more beers and enjoyed her tight clothes how she bit her lip when I talked to her. I learned she was a junior in college, a criminology major, 21 years old, moved back in with her parents to save money, didn’t seem overly intelligent, loved watching baseball, hated football, etc. Finally the regular left, I finished lunch and drinking and asked for the check. When she came to pick it up, I (from what I can remember) said, “Listen, you need glasses or contacts or both. I know because I’m an eye doctor. I’m leaving my card with my cell phone number with the bill. If you want an exam, I’ll help you out. Don’t worry about money, don’t worry about insurance. I’ll fix you up. Let me know.”
My intentions were pretty much fueled with liquid courage, but I was opening a new place and I really did need a few people to test out my new equipment. I went back to my apartment (which was a new place above my new office), relaxed and mostly forgot about it.
The next morning I got a text from a number I didn’t recognize. It said “Does the offer still stand for an eye appointment?” I realized it was Sam. I texted back, “sure, when were you thinking?” She replied, “how about this afternoon, like 3? How much will you charge?” I said, “Three is fine, don’t worry about the price, we can talk about it when you get here” I then explained I wanted to try out my new equipment anyway. She said, “See you then, if I get lost, I’ll call or text” At about three, I saw a car pull into the parking lot that I didn’t recognize. It was Sam. I watched her get out of her car and start taking photos with her phone. She took a photo of the sign out front. She walked into the office, she was nervous, and I met her and asked why she was taking all of the photos. She said that her she explained to her mom what she was doing and her mom thought it was a complete set up and she had to beg to drive all the way to my small town to get this exam. I relaxed her when I pulled my drivers license out of my pocket and told her to take a photo of it and send it to her self or even to her mom. She did. She looked amazing—white turtleneck sweater with tight black pants (leggings I guess) and high black leather boots. She smelled amazing, had glossy lips, and I was basically trying to be a gentlemen and not get a hard on. We went into the exam room and I turned out the lights and my mind raced. I tried so hard to hold it together. I hadn’t been laid in months, I was fighting back a hard on, and I was trying to be professional. Her eyes weren’t that bad, but she did need contacts and I talked to her about glasses.
She looked through frames and picked out a pair. She kept asking about the price and I kept telling her not to worry about it. She ordered glasses and I gave her contacts I had in stock and told her I’d contact her when the glasses came in. It was time for her to leave. She kept asking what she owed, and I said, don’t worry about, etc. I walked her to the door and started to weep. She was overly thankful, I said don’t worry about it and she went to hug me. And that’s when it happened—when she hugged me, I hugged her back, tightly pulled away and put my hands on her face and pulled her in close and kissed her. We kissed slowly and sensually for a couple of minutes. My hands explored her tight sexy body, from her ass to cupping her breasts, and back to her face. Her hands worked their way down to my jeans and into my pants. She slowly stroked by cock for a few seconds and then used both hands to undo my belt and unbutton and pull down my pants. She went down to her knees and began to stroke and like and suck my cock. This went on for a few minutes and she was really going to town. It became pretty obvious to me that she was trying to pay me back. That she planned on giving me head as a payment and then she would leave. But it had been so long since I had sex, I had other plans for her. I grabbed her shoulders and pulled her up and pulled up my pants. I told her to follow me. I opened up the door which went upstairs to my apartment and I quickly took her to my bedroom. She sat on the bed and pulled me close and pulled down my pants and began going to town on me again. I managed to get her sweater off and her so fucking sexy baby blue bra off, and I took my shirt off, all while she was giving me head. I pulled away from her, pushed her down on the bed, hopped on top of her, and began to unzip her pants pull off her boots and pull off her pants. Like I said, her plan was to only give me head so she starts putting up road blocks. “Do you have a condom? You need a condom if you want to do what I think you’re doing. How many girls have you been with? I’m not a whore.”
I replied, “I don’t need a condom, I haven’t had sex since last year and that was with my ex-wife so I’m clean (which was true), and I had a vasectomy (which was a total lie) so there’s no way I could get you pregnant.” That was enough for her and she spread her legs and I slid my cock in. She moaned and I couldn’t believe how warm and tight she was. We fucked like that, missionary, for a few minutes and then I positioned her for doggystyle. That’s when it went from sensual and slow to hard core fucking. She started sweating, I started pulling her sexy blonde hair, and slamming her down onto the bed so I could play with her perfect tits.
She then took control. She pushed my over and got on top of me and began to ride me like a champ. She went from laying on top of me and kissing me slowly to sitting on my cock and riding me and scratching my chest. She even did reverse cowgirl for a while, and then turned around to make eye contact. I loved (still love) those blue eyes. Staring into her eyes is what made me get so fucking turned on that I was holding back my orgasm. She was riding me faster and faster and it was pretty obvious that she was going to cum so I asked her if she was going to cum and if I could too, she screamed “YES” and I blew a huge load deep into her pussy. We laid their sweating and smiling for a few minutes. I asked “Can I take you out to dinner?”