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out-of-pocket
/ˌaʊtəvˈpɑːkət/
US
UK
adjective
paid for with your own money rather than with money from another source (such as the company you work for or an insurance company)
out-of-pocket
medical
expenses
You
can
be
reimbursed
for
out-of-pocket
expenses
when
you
are
on
a
business
trip
.