In Bermuda, an out-of-pocket expense refers to the difference between the insurance payment and your health care provider’s fee for services.

Compare healthcare providers to help minimise your costs. In Bermuda, different providers can charge differently, and are not mandated to publicise their costs; therefore, your out-of-pocket will vary between providers. 

In addition, for overseas hospital benefits, if you do not obtain authorisation prior to receiving care, or obtain care out-of-network, BF&M only pays a percentage of the claims charged. Any the balance of service owed is your out-of-pocket amount.