I remembered how to do the link to image. First bring the image over from wikimedia commmons. Do that by pasting the "/File:blahblahblah.jpg" tight after the .org in the web site name. It may ask if you want to create the page...you do :)
Then use this format to build a hotlink into the bug page: '".......to see are the [http://www.wikieducator.org/File:Forkedtrochantin.jpg forked trochantin] and the......."'
It looks like this:http://wikieducator.org/Template:Hydropsychidae