It's hard when you're just learning about situations away from home and how to deal with them, etc. People, as you see with you and your cousin, approach the learning situations different ways, depending on their own previous experiences. It's okay that your cousin doesn't like doctors, you don't have to figure things out the same way she does. Just tell your parents you would like to go see your family doctor for a physical and to talk to him/her, you have some personal questions you'd like to ask him/her, etc.