This article proposes a concept for dynamically reconfigurable distributed microwave circuits by leveraging the abrupt conductivity transition in phase-change materials (PCM). Metallic surface-inclusions (<<$\lambda$) are embedded in the PCM film$-$vanadium dioxide (VO2)$-$to provide low-loss and reconfigurability... To validate this concept, a variety of co-planar waveguide transmission lines are designed and fabricated with metallic surface-inclusions in VO2 films, and the lines' performance are characterized up to 50 GHz. The measured results are used to develop a transmission-line based model and an equivalent circuit model of the VO2 with surface-inclusions to aid in the rapid design of new structures. Additionally, an electromagnetic model was developed and indicates that loss can be close to that of conventional metallic distributed circuits with 100 to 200 nm thick VO2 films. With these thicker films, two practical realizations of this concept were designed and simulated: a tunable dipole from 2.13 to 9.07 GHz and a tunable triple-stub matching network from 5 to 40 GHz with high $|\Gamma|$. Therefore, the proposed method appears viable for the realization of arbitrary programmable distributed circuits and antennas in the microwave and low-millimeter-wave bands. (read more)