out-of-pocket
adjective [ before noun ] uk/ˌaʊt.əvˌpɒk.ɪt ɪkˈspen.sɪz/ us/ˌaʊt̬.əvˌpɑː.kɪt ɪkˈspen.sɪz/
（为他人工作时）垫付的费用;实付费用
used about money that you have to spend yourself rather than having it paid for you, for example by your employer or insurance company
All out-of-pocket expenses will be reimbursed by the company. 所有自己垫付的钱公司都会予以报销。
Under the new scheme, there are no out-of-pocket costs for preventative medical care. 在这一新的计划中，预防性药物将不会由患者付费。
Compare: in pocket