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What is an out-of-pocket expense?

An out-of-pocket expense is the difference between what the provider's charge and the benefit that is paid. It's any expense for a service or item for which you won't be reimbursed. It is the responsibility of the treating specialist and the hospital to advise of potential out-of-pocket expenses prior to the Customer’s admission to hospital. This is called Informed Financial Consent. Ultimately it is also the responsibility of the Customer to ensure they understand all the potential costs before admission to hospital, because it will be the Customer who will be required to pay any out-of-pocket expenses. Customers should always call us when they learn they need to go hospital. We can help check what will be covered and advise on the best ways to avoid potential out-of-pocket expenses.