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Credentials and costs

Out-of-pocket cost

Also known as: out-of-pocket costs, patient responsibility

The portion of medical expenses that you pay and that is not reimbursed by insurance.

Source-checked educational compilation · Not independently clinically reviewed

What this means in a clinic conversation

This can include deductibles, copayments, coinsurance and noncovered services. A clinic’s total charge and your final responsibility may differ, so ask both the clinic and the plan for details.

A question to bring

What amount am I expected to pay, and which parts will insurance not reimburse?

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Related and commonly confused terms

Use the term in context

Sources and editorial context

This definition was compiled from the sources below and has not received independent clinical review. It supports understanding and consultation preparation.

  1. HealthCare.gov glossary: out-of-pocket costs · Centers for Medicare & Medicaid ServicesReference checked 2026-10-02
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