Hi Dave,
When you add your image if you look at the bottom right of the media window you will see a few choices here:
1) Link to the Media File (this is a direct link to the picture you are uploading)
2) Attachment Page (this is an internal page that WordPress creates with your picture on it)
3) Custom URL (This can be set to ANY url that you want)
4) None (this will render the pic unclickable)
Here is a screenshot of what I am talking about: http://missterbig.com/wp-content/uploads/2014/05/Screen-Shot-2014-05-30-at-11.31.49-AM.png
If you have already uploaded a bunch of images go to:
Media > Library
and find the image you want and click ‘Edit’ you can also find these same editing tools that way.
Hope that helps
Ahhhh that is the step I was missing!!!!
Thanks so much! that was a fast reply!!!
Dr Dave