Be sure and ask your doc for a DRE exam (the old finger check) -
If the PSA is based on no discernable evidence, you will pay - if the exam gives him or her a "feel" (pun intended) that your prostate is grossly enlarged or uneven in feel (lumpy, granular surface) the test is then medically indicated, and will be covered by OHIP.
Been there done that - thank god for a female doc with thin fingers....
Had the same symptoms as the OP, found to be Benign Prostatic Hyperplasia (BPH) - now taking a pill each night - after a year, back to normal, but continuing with the medication to prevent it coming back.