terps,
It is customary for an area to be covered, unless it is currently being examined. This is how all the doctor's office I have ever worked in perform an exam. This is usually done to prevent unnecessary exposure and to prevent chilling. If you feel more comfortable being totally naked including possibly being fully exposed to other staff that may walk into the exam room, then I would discuss this with whomever is in the exam room, other than the doctor.
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