Gyno in Toronto

Hey - has anyone gotten their surgery covered in Toronto or places near by through OHIP or even private insurance? I am 20 years old and I can’t wear t shirts without either taping my nipples or wearing an under shirt and it is really affecting my life. People have made comments about it multiple times to me and I really can’t afford the surgery but I really do need it. I can’t afford 10k+ but I’m more than willing to work extra for 1-2k. Let me know how and where if you have gotten it covered or found a way to get it cheaper! I