out-of-pock·et

[out-uhv-pok-it]
adjective
1.
paid out or owed in cash; necessitating an expenditure of cash: The out-of-pocket expenses include cab fares.
2.
without funds or assets: an out-of-pocket student who stayed with us.

Origin:
1880–85

Dictionary.com Unabridged
Based on the Random House Dictionary, © Random House, Inc. 2013.
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WordNet
out-of-pocket

adjective
calling for the spending of cash; "his out-of-pocket costs were $10" 
WordNet® 3.0, © 2006 by Princeton University.
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00:10
Out-of-pocket is always a great word to know.
So is callithumpian. Does it mean:
a stew of meat, vegetables, potatoes, etc.
a children's mummer's parade, as on the Fourth of July, with prizes for the best costumes.
Example sentences
Copays do not apply to your deductible, coinsurance, or out-of-pocket maximum and not all services require a copay.
Copays do not apply to your deductible, coinsurance, or out-of-pocket maximum.
Out-of-pocket medical costs are concentrated at the end of life.
No exorbitant out-of-pocket expenses, deductibles or co-pays.
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