In Canada the medical exam is covered. The prescription will cost money though unless you have extra coverage or if she is on low income government assistant plan that helps pay a good portion of meds. We have that here in B.C. and I think it is a national thing.
Pap tests should start anytime someone is sexually active or is about to be. She can contact a local medical clinic in her area and make an appointment for the pap test. Gynocologists are hard to come by, at least in my area and most doctors are willing and able to do this test. If she is uncomfortable with the doctor being a man, she can request a female doctor. This doctor would then be the one who would prescribe the birthcontrol. This test is usually done once a year and the doctor does a breast exam at the same time.