out-of-pocket

剑桥词典

used about money that you have to spend yourself rather than having it paid for you, for example by your employer or insurance company
（为他人工作时）垫付的费用；实付费用
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。
比较
in/out of pocket 返回 out-of-pocket