out-of-pocket

劍橋詞典

used about money that you have to spend yourself rather than having it paid for you, for example by your employer or insurance company
（為他人工作時）墊付的費用；實付費用
All out-of-pocket expenses will be reimbursed by the company . 所有自己墊付的錢公司都會予以報銷。
Under the new scheme , there are no out-of-pocket costs for preventative medical care . 在這一新的計劃中，預防性藥物將不會由患者付費。
比較
in/out of pocket 返回 out-of-pocket