1099-R for 2019 Did not cash checks. was told by fidelity this was for a medical insurance annuity? dont know what that means but should it be on 2019 if check not cashed

[dmertz]

If you received checks payable to you, you are considered to be in receipt of the money.  It doesn't matter whether you cashed the checks or not, the 2019 Form 1099-R must be reported on your 2019 tax return.