Public vs private: when paid actually saves time

Ontario's public health system covers most procedures under OHIP, but wait times can stretch to months. Private clinics fill the gap — at a cost.

What private clinics can (and can't) do

Private clinics are great for:

• Diagnostic imaging (MRI, CT, ultrasound)
• Physiotherapy and rehabilitation
• Minor outpatient surgery at independent health facilities (IHFs)

Private clinics cannot:

• Perform major surgery that requires a hospital stay
• Bill OHIP for services already covered publicly (in most cases)
• Replace your surgeon's hospital privileges if your procedure requires an OR

Typical cost comparison

MRI (knee/spine)

• OHIP wait: 30–90 days
• Private wait: 1–5 days
• Private cost: $400–$900

CT scan

• OHIP wait: 14–45 days
• Private wait: same day
• Private cost: $300–$600

Cataract surgery

• OHIP wait: 60–180 days
• Private wait: 1–3 weeks
• Private cost: $2,000–$3,500 per eye

Colonoscopy

• OHIP wait: 30–90 days
• Private wait: 1–2 weeks
• Private cost: $800–$1,500

Prices are estimates as of 2026. Shop around — costs vary significantly by clinic.

When it's worth it

Consider private if:

• The delay is causing pain, lost income, or worsening your condition
• The procedure is diagnostic (e.g., MRI to rule out something serious)
• Your insurance or employee benefits cover it (many do for diagnostics)

How to check your benefits

Call your benefits provider and ask:

1. Is out-of-hospital diagnostic imaging covered?
2. Is there a per-visit or annual cap?
3. Do I need a doctor's referral to submit a claim?

Many people are surprised to find their employer plan covers $500–$1,000 per year in diagnostic imaging.

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This article is for informational purposes only and does not constitute medical or financial advice. Always consult your physician before making care decisions.