What happens at a yearly physical for a 14 year old girl?

So my mom is worried because I have not had my period for 2 months now and this is my first year. I'm a virgin so I'm definitely not pregnant. She wants me to get a physical and I'm scared because I heard they do a pelvic and breast exam. My two sisters already had their physicals. They told me that they had to remove all of their clothes and the doctor asked them to lay down and she stuck her finger up their you know whats. I'm super shy about these things and I'm afraid they might do this to me too. Is this usually what happens at a physical? And btw, my sisters are 12 and 9 if that matters. Thanks!
What happens at a yearly physical for a 14 year old girl?
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