What to do if Dr recommends pap smear, but you don't want to get one?

It's not urgent or anything, but sometime this year is recommended just to check and make sure everything's OK. You do NOT want to get it because would be extremely uncomfortable and might be extremely painful too.

You can do it right away, or wait until the end of the year, or refuse altogether. You can choose to be put under for it to avoid majority of the pain and discomfort of the procedure, but insurance prolly won't cover that so it would be expensive.

What would you do / suggest? As like a friend or acquaintence, not like as a doctor obviously.

What to do if Dr recommends pap smear, but you don't want to get one?
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