out–of–pock·et 
/ˌaʊtəvˈpɑ:kət/ adjective
/ˌaʊtəvˈpɑ:kət/ 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.
▪ out-of-pocket medical expenses ▪ You can be reimbursed for out-of-pocket expenses when you are on a business trip.
— out of pocket adverb
▪ She paid out of pocket for the prescription. — see also out of pocket at 2pocket
▪ She paid out of pocket for the prescription. — see also out of pocket at 2pocket
