@hanscasteels . Thanks for your response .
I was aware of the OHIP qualifications -- My issue is finding a Urologist to refer me for a "Private Pay Test " -- No success with four so far . One in St. Catharines & Three in Toronto which includes Princess Margaret Hospital and the Head of Urology at another major Toronto Hospital . There are several private clinics in Toronto , tthe cost is $ 5000.00 -- However they require a referral .