Kidney cancer treatment in 231 Oncology and Vascular surgery clinics in Asia

Easy to register as a foreigner. Also no problem in obtaining my COVID vaccination including new vaccination certificate. Thank you for your help and very good service. Beautiful building, pond and small park. Many shops in the vicinity.

I go there to chick doctore just he put two fingers on my skin and bill 2000ntd they use forign soooo much

A top tier medical center in TW, there are good team work practices for tumor / cancer diseases and there are modern equipments for therapies and treatments!

I went to see an OBGYN at NTU because I had been having pelvic pain for about 2 weeks at that point. I'd felt similar discomfort before when I'd had an infection, so that was my best guess. The OBGYN did a very perfunctory pelvic exam and declared it couldn't possibly be an infection or related to the gynecological area because it didn't hurt when he pressed externally on the pelvic area, so I left with no treatment. That night, I had to go to the ER for stabbing pelvic pain and bleeding and was diagnosed with a bad pelvic infection. In summary, would very much recommend Taiwan Adventist Hospital's OBGYNs (called specially to the ER - so thorough, caring, and efficient) over NTU (for gynecology anyway).

I was at the start of a month long vacation and needed an emergency spinal epidural. I met with the neurologist, Dr Chang, who was able to perform the procedure the next day. This was probably the best medical treatment that I have ever had. And the cost was $172 USD. Here in the US, the same thing cost over $2k. I highly recommend this hospital.

Excellent doctors, nurses, and staff. Surely they can find a better way to organize their elevators? They have treated my elders in thoughtful and humane ways. We are grateful.

I did have a motorbike accident with several injuries. They admitted me to the hospital, wehere they carried out the necessary checks, including blood test, including x-ray, including CT scan. To have full picture of my various injuries. Afterwards the surgeons did an excellent job stitching me together, and after operation care was excellent. The nurses are very caring, the stuff is highly professional, the doctor speaks English, and if there is a communication problem, Google translate is always of a great help. They ensured a perfect hospital experience, despite my accident in a hospital, which has to be highly recommended due to its professional staff, including administration, nurses and doctors. Great job done!

Thank you very much to the excellent Dr Tran Quoc Khanh, nurses and staff. I really appreciate the ‘honest’ and efficient care that I received today. I came in for a last-minute general health check report (to support a work permit application to another country). All simple tests including urine and blood tests were comfortably completed in one afternoon. Cost was around 2.5million which is a very reasonable fee given the quality standard of service. Hospital is nice and clean and overall in good condition. International section is on 4th floor of Block C. Very easy to get to from the road entrance.

Customer service very bad. Don't want to even try and contact the insurance even if you have full international coverage. Procedures urgently need a review.

The nurses are bad and my roomate dont relate with my disease(mine is infectious disease)

Clean and good services

The hospital is quite clean and clear.

The hospital has clean space and rooms, modern and fairly new facilities, and quite enthusiastic staff. The dishes in the hospital meals are delicious and delicious, my mother complimented me after eating them (3 meals/day are included in the hospital room fee). But the wifi in the room is weak and not prepared for patients with pillows and blankets, so it is a bit lacking in this regard. Hopefully the hospital will improve so that patients and relatives can be comfortable and worthy of the money spent.

It's not an international hospital, as they are trying to make it look like. They don't provide translation service. And their administration are laggy and corrupted, just trying to make people move round and round without giving an actual response, especially any case regarding English. The quality of room is acceptable in comparison to price, but the services are not that good.

I am a person who is quite sensitive to hospitals because of spiritual factors. But when I come here I feel comfortable (good energy field). Surprisingly, the leaders of this side focus on finding treatment solutions for customers to prevent diseases with advanced technology instead of focusing on business to make a profit or cure. Focusing on helping customers prevent illness is a place I think few places do. So satisfied Not to mention the visibility is also very far, so there are diverse examination areas or treatment functions suitable to the needs of customers. My family also experienced medical examination and treatment at the hospital here. Service is okay. Delicious food. The space is clean and airy. Regarding price, I have a life guarantee so it doesn't cost money. Basically, when you come here, there are enough services for both patients and caregivers. No need to worry about going out. If you come here, go in the direction the rocket is pointing, don't take the road according to Google, it will be a bit flooded. In the near future, there will also be apartments and a medical school here. There's also aeomall next door for convenient shopping for what you need.

Good service. Staff's are very friendly to the patients. Good doctors. There are more than 2 pharmacy. Clean and hygienic wards. There are wending machines which we can get our snacks quickly. Good cafeteria. Theres a children play area in the 8th floor. There are fish tanks in every floor to entertain the kids. There are bill paying machines where you can pay your phone bills or any other bills quickly. There's no free parking, slow elevators.

I had a fantastic experience at Asiri Hospital! The atmosphere is calming and welcoming, creating a comfortable environment. The staff members were incredibly friendly and attentive, making me feel well taken care of throughout my visit. Additionally, their easy-to-access services made the whole process smooth and hassle-free. I highly recommend Asiri Hospital for anyone seeking quality care in a pleasant setting.

The service of this pharmacy at the ground floor is terrible. I had to wait about 20 minutes in the front desk to handover my prescription. There is no clear procedure to purchase the medicines. The front pharmacist guy takes too much time to read the prescription. Once you pay, still have to wait like another 20,25 minutes in the queue to collect your meds. Certainly, not satisfied at all about the service from the ground floor pharmacy.

No one can do wrong. Worst experience I've ever had with an online appoinment. By mistake I had set up a physical appointment for an audio appointment. But there is nothing else to do but act like that. Shame on you Durdens. keep my money.

My wife and I go for a medical check up every year to Durdans Hospital due their quality service over the years. However, I was surprised about their service level this time. No one is caring for us and no one to guide us. There was a meal for our package. We waited more than half an hour in the cafeteria to receive our meal like beggars. But nothing received. Then we left the hospital without having breakfast even though we had paid for it. Highly disappointed.

Durdans Hospital in Colombo is an exceptional healthcare facility that leaves a lasting impression with its warm and friendly staff, ensuring every patient receives the utmost care and attention. Our experience at this hospital was nothing short of outstanding, starting with the welcoming and compassionate staff members who made us feel at ease from the moment we arrived. The rooms at Durdans Hospital were thoughtfully designed with patient comfort in mind. From the cozy beds to the well-appointed amenities, they provided a comfortable and soothing environment throughout our stay. The hospital took care of every need, ensuring that essential items like toiletries, towels, and water bottles were readily available, eliminating any worries for patients and their families. One of the highlights of our experience was the attention to the patient's dietary needs. Durdans Hospital went above and beyond by providing food and tea to ensure the patient's well-being during their recovery. The meals were prepared with care and consideration, catering to individual preferences and dietary restrictions. The comfortable bed with a control panel allowed the patient to adjust their position and find the optimal level of comfort. This thoughtful feature enhanced the recovery process, allowing patients to rest and recuperate in a personalized manner. The 24-hour service at Durdans Hospital further exemplifies their commitment to patient care. We were impressed by the round-the-clock availability of medical staff, ensuring that patients had access to assistance whenever needed. This level of dedication and support is a testament to the hospital's dedication to the well-being of its patients. The well-maintained bathrooms with hot water showers added an extra touch of luxury to our stay. This attention to detail in providing essential amenities contributed to a sense of relaxation and convenience. What set Durdans Hospital apart from others was their consideration for the patient's family or guardian. Even in normal rooms, a bed was provided for the guardian, along with comfortable chairs, a table, and a TV. This thoughtful provision allowed family members to stay close to their loved ones during their hospital stay without compromising on comfort. Budget-friendliness was another aspect that impressed us at Durdans Hospital. Despite offering excellent facilities and services, the hospital was mindful of being accessible to a wider range of patients, making quality healthcare more affordable. In conclusion, Durdans Hospital Colombo is a haven of care and comfort that stands out for its friendly staff, comfortable rooms, and well-thought-out amenities. From the provision of essential items to round-the-clock services and budget-friendly options, every aspect of our experience at this hospital was met with the highest level of care and attention. If you're in need of medical attention in Colombo, Durdans Hospital is undoubtedly an excellent choice that prioritizes your well-being and recovery.

Lanka hospitals offers the latest medical technology. There are good doctors and spacious waiting areas. However, the reception staff, counter staff at the OPD's aren't cordial at all. I was sitting there with my father for almost an hour before another patient told us that we have to get our eyes checked before we go to the doctor, There were no instructions to do so on entrance, nor did the OPD 2 staff enquire, till I went and checked it out. I thought that it was very inconsiderate. The canteen was okay with two food outlets- one serving average food at a very affordable price where as the other took orders.

Utterly disappointed about the behavior of the staff,so unwelcoming and not courteous to come forward and provide service to their customers, I guess the government hospitals have a better service than this hospital. Basically the customers should walk over to the staff and inquire things to detail and they simply make themselves feel at home attending to their very own discussions and etc. customer service is pathetic!! I’m surprised as to how this hospital operates at this rate with an underrated staff with a negative attitude. I’d never chose this hospital over any other,even in an emergency.

Good caring and nice hospitality. Cool and Clean environment. Friendly environment for discussing with doctors and nurses. But you need to wait more than 2 hrs after discharging for finalizing the bill. Also you should double check the bill since it is not reliable. Specially for room charges.

ZERO STAR RATING TO THE WORST HEALTHCARE SYSTEM IN THE ENTIRE WORLD. I want to share my concerns about the National Hospital of Sri Lanka (NHSL), which, despite being the primary government hospital, has some serious issues with its healthcare system. My experiences at NHSL have been quite disappointing, and I feel it's important to bring these matters to everyone's attention. The problems I faced include unprofessional behavior, rudeness, and a lack of empathy from the hospital staff. A significant challenge I observed is the exhaustion of patients due to what seems like a lack of attention and care from the hospital staff. It's disheartening to see patients, already vulnerable, feeling more tired and discouraged by the system meant to provide them with medical support. I also want to express my concern about reported racial bias by some staff members. A healthcare environment should be inclusive, respectful, and free from discrimination. Such behavior goes against medical ethics and can severely impact the well-being of patients. One such example, the security woman in the Endocrine clinic (4th floor) lacks empathy and compassion towards the sick and needy. While I understand the challenges faced by healthcare professionals, it's crucial to maintain a high standard of professionalism to ensure patients receive the care they deserve. These reported issues reflect poorly not only on individual practitioners but on the healthcare system as a whole. It’s true I can’t expect professionalism from NHSL while the country itself is unprofessional and vile but still I felt the need to voice out my opinion.

This on one of the worst and pathetic health systems in the world. The health system we encountered was really sad. It had a lot of problems and things that didn't work well. My mom needed to get an MRI scan, which is an important medical test. But we were told that the scan had to be delayed for a whole month because they didn't have enough ink. We felt very frustrated and disappointed...After waiting for a long time, we finally got instructions to go to the hospital at 8 AM on a certain day. We followed the instructions and arrived even earlier at 7:30 AM. But little did we know that this was just the beginning of a difficult and emotionally draining experience...We were taken to a room where we spent the whole day, waiting anxiously for my mom's turn for the scan. As time went by, I gathered up the courage to ask about the delay many times. Each time, they promised it would only be another hour and told us not to eat anything...The staff didn't show any understanding or kindness towards us. They didn't take our concerns seriously, which made us even more upset. The hours passed by and it started getting late, but there was no progress or communication from them...My mom, who is 61 years old, sat there patiently without eating anything since morning. She looked tired and weak because of it. It hurt me deeply to see her suffer like that... To be honest, I can't recommend this hospital to anyone who needs medical help. But people like us who don't have much money don't have other options or resources to go somewhere else for better care. Private hospitals are too expensive for us...This experience has left a lasting impact on me - it reminds me how broken and inadequate our healthcare system can be for people who are less fortunate. I really hope that one day no one will have to go through such difficult times when they need important medical services.

The doctors and especially the nurses in the hospital are useless. These nurses are often engaged in social media outside the ward and often only one or two nurses stay in the ward and surf social media on smart phones. Even if a patient cries out that it is difficult, they are not looked after. They don't even check if the patients are breathing, and while giving the medicine, they pour water into the mouth of a patient and put a pill and leave without even looking to see if the medicine has been swallowed or swallowed. Patients or caregivers of patients are not told and concealed about the patient's condition. No advice is given. At least they did not say whether the patient was discharged and nurses says that they were discharged only if the patient's guardians forced them to ask. Hygiene of patients is not looked after. Nurses and doctors go about their lives happily letting patients die. The x-rays taken from the patients are not given to the caretakers and are kept with them even after discharge. They are not working for taking salaries from people's tax money. endangering the lives of poor people. I can call them Satan's children.

Hospital

They don't even accept you even in an emergency situation if you are a foreigner. Even as a Hokkaido university student I was told the doctor is busy with other patients and has no time to see a foreign patient... I was standing at the first aid/ emergency section with my hand bleeding.. I was just told to go somewhere else and was handed a printout with an emergency ph no of Sapporo city emergency services ( The irony ) I was just told to call that and try my luck.

in spring and snow 👌

I don't quite understand. Keio University Hospital is a well known hospital BUT no one seems to speak even a very basic english. They all have japanese and english signs all over the hospital but no one knows how to speak it. I mean they don't have japanese only patients, but for me it feels like they only admit japanese because once you try to communicate with them, they mostly just say "no english" and then they leave you alone even if you have a serious health problem. I know expats should learn japanese but what about tourist or guests that only spends a week or two in japan? I come from Germany and we also have expats and foreigners there that hardly speaks any german BUT they don't get turned away by the hospital, because that is ILLEGAL and against the doctor's and healthcare workers OATH (do no harm!). WHAT IS WRONG JAPAN? you make A LOT of advertisement about OMOTENASHI and then you treat non japanese speakers as if they're not worth treating. And this is not the only hospital in Tokyo that do this. DO BETTER!!!

Excellent doctors and staff. I've had two surgeries at this hospital and both have gone very well. I recommend this hospital but if I understand their processes correctly, one needs a referral to go there. They are centrally located, and are right in front of the Shinanomachi station. There's another station close by on the Oedo Line. They have new facilities and parking. They also have motorcycle parking. This is one of the best hospitals in Tokyo in my opinion, but English is not spoken here. If you have a need for a special surgery involving a doctor from another hospital, then you may experience difficulty in having that arranged. I had to forego surgery on my heart there because they did not have a doctor on staff to do what I needed done immediately after the heart surgery. It was breast bone surgery. I had to have the heart surgery and the breast bone work done elsewhere, but the surgeries needed to be done back-to-back. Keio could not do it, which I believe is rare for them. I wish they could have facilitated it. It's a great hospital otherwise.

I went there because my period haven’t stopped in six months. I went there for a biopsy which made the bleeding increase for more than days, accompanied with terrible cramps. I returned urgently there and was treated really poorly by the interns who told me “they couldn’t do anything”that my cramps had probably nothing to do with my uterus ( but i had told them it was the same pain as period pain), and that i should just get painkillers. I really wonder in what world someone can say that is normal to have periods for six months, and bleed for more than ten days after a biopsy. I am deeply disappointed in this lack of professionalism and compassion.

The absolute worst hospital that ever existed. Avoid at all costs. The ER had no one at the reception. I had to go look for them. They always make you wait for at least 30 minutes for your scans and tests. They are super insensitive, unprofessional, careless and have the audacity to ask the sick patient to accommodate after a mistake THEY made. This “hospital” should not be in charge of people’s lives.

The worst hospital experience of my life. The staff are lazy and disrespectful. I was billed before I had a consultation or even received the service I paid for which is VERY different than every other hospital I’ve been to. It’s even worse because the physician wasn’t even there when I was billed for a consultation with him, he came 45 minutes late! To sum it up, my appointment was at 10 am, the doctor came at 10:45. I wasn’t offered an explanation until I asked for one. They gave me three different excuses: traffic, emergency, physician is sick with stomach problems. The nurse was probably the most undertrained nurse I’ve had to deal with. Extremely unethical and unprofessional. She was talking about me with the rest of the staff in front of me (not for professional reasons but to simply complain that she has to deal with an annoyed customer in the morning). She suggested that since my doctor was late, that I should book with another doctor so i asked for a list of the doctors I can see today, she told me to look for it myself on the website :) when I was looking through the doctors, that’s when she mentioned that there was no point since there was only one other physician who was in the clinic and he had an upcoming appointment. Total waste of time and very unprofessional.

Writing a review specifically about the Maternity floor where I spent one of the most difficult weeks of my life post-delivery. I've had beyond painful complications but the Nurses & Doctors there (You know who you are!) who took care of me helped push through in the sweetest, most giving and empathetic way! I'm beyond grateful for you and I will never forget what you've done for me and for my baby! You are all angels helping people when they need it the most! So much love for you all!

Kudos to all nursing staff. They were a great support during the difficult times. Night staff were exceptional always running to people’s aid - I felt they were overloaded with work. Found new respect for the night staff The facilities staff were so polite, lot of patience and so respectful. They were amazing people. Over all great service and support. All of staff members were awesome people.

Aster CMI Hospital is having 5* Services in Healthcare sector. A class service providers in Multi Speciality hospital in Bangalore. Joined Emergency for different reasons and discharged with Smile. Thank you so much to Doctors Shashank, Akhila and Venkatesulu make my father speedy recovery. They are Master's in Consultation, Treatment, Lab Services and Car. Special thanks to Emergency, ICU, Insurance and Security Teams. Well Planned and Feel comfortable Hospital. ICU security - S Lakshmi Thanks

Worst hospital. Only because of good doctor we came here except that each and every thing here is worst. We were in the general ward and there was no nurse call option provided. My father was the attendant and he had surgery just 3 days back and he used to go near the nurse desk for help,l. Except a few nurses all others were very rude. The admission process took a long time because of insurance pre approval even if we had shared all documents 3 days before. Such a big hospital but for billing only one person was there which took a long time during discharge, Bought medicines from hospital of nearly 9k and not a single penny discount on medecine. All tests were 10 times more costly then outside. This hospital is just looting patients. If you have enough money then you can choose this hospital. There is no limit on looting patients here.

You guys don't think much about the staff letting work 12hrs continuously for 5days and give them duty on next day. This is an hospital and you guys need to keep your staff mentally and physically fit and not exploiting them. You such type of work ethic could lead to many legal cases so I request the HR department to regularly monitor the incharge and many of your staff are quitting there job so you better find the reason why they are quitting and stop recruiting the bunch of people every week.

This is my first visit with Escort Fortis hospital Jullena. One of the worst services in return of hefty charges by hospital against the services provided to patients and attendent. On the cash counter only one resource is there who is managing discharge of IPD patients, emergency patient registration,issuing of ward pass,answering of query call,handling patient attendents. It is really called save 100% money without hiring man power. It took 30 min for me just for the patient registration. Nurse in emergency rudely behave with patients. She was on mobile and doctor asked her to attend the patient then after 5-10 min she start work as per Dr instructions. She didn't use curtain to cover the female patient and start procedure. In emergency there is a bed but bed sheet of patient bed looks very dirty not washed properly. There is no glucose bottle stand on each bed of emergency. Really Fortis hospital only charging royalty amount from us. I recommend hospital management have a look of holy family hospital and learn hospitality cleanliness and administration from them. At least holy family hospital has sufficient staff and caring nurses with clean floor and washrooms. I will give bed sheet photo also but patient was there and you can see there is no side stand there. Emergency bed charges 1000 Doctor 2100 Registration 200 Plus. Lab charges. Don't know how they are managing labs do they really take care of hygiene or not. Hospital charges are high and services in negative -100.

They deserved 5 stars for treatmet but i gave 3 for their billing irregularities. Please check your bill twice before making final payment. I've found inconsistency in their billing. Being an international patient they charged me in USD but refund my excess payment in rupeis for which i had to struggled a lot. Moreover they gave me counterfeit notes which they declined to replace from me.

I called cmc to take an appointment, the operator was unprofessional they were laughing and try to talk to me sarcastically! I would never call them again if they have this kind of staff

I was visiting Dubai and had to do some blood tests. I have visited CMC Dubai and informed them that I need the results the second day as I am traveling. Despite several calls and trials to follow up, I was not able to get a satisfying answer, until my call was attended by Raymond, whom he had offered the needed assistance and made sure to receive the results in a timely manner. Raymond has been very helpful, professional and proactive. He followed up on my request and called after to make sure that my case has been resolved. He has demonstrated a high level of patient care and service. Thank you Raymond and keep up the good work

YOU👇 whose reading this review i hope i am saving your life and your beloved ones ⚠️ Very bad experience rude and disrespectful staff , nurses are unprofessional and unhumanitarian. i don't advice anyone to make operations there you really take a Huge RISK ! if you choose it The hospital is materialistic and OVERRATED!

Recently visited the hospital with patient. My experience was overall good. Staff are helpful in nature and doctor suggested us the best treatment available for my patient. The only drawback would be it's costing policy

Excellent customer service with a team full of energy-efficient. Good doctors the best in Delhi.

Apollo Hospital has a topnotch medical facilities, medical teams in almost health challenges. I strongly recommend the hospital for medical care.

Updated as on Friday 1/12/23 Thier customer service manager contacted me and attended my concern and feedback which they would like to meet up with me for better understanding 🤔 Since I do have follow up we did manage to meet up on 5/12/23. Highlighted all my questions and comments. Hopefully they will take awareness of thier customer service and patients care 😎 on thier staff and nurses. Posted on Thursday 30/11/23 First ever nitemare to be admitted in Regency Specialist at Ward 5B, Nursers worst ever customer skills and patients care from them. No smiling face no greet no initiative no communication no team work. Hot water flask not even refill everyday by the staff that serving food. Have to self-refill by myself every day even I went to nurses’ counter! No proper hand rub hygiene/glove/mask or wipe down before attending to me. I’m on IV Drip and antibiotic yet they can miss out till my cannula by a long thin tube blood clog and I have to poke again on my other side of hand middle of the nite and was done my MO not the nursers which chargeable to me on their carelessness mistake not checking on me? Stay for 5nite only change my bedsheet for 3times. Room and toilet full of small black ants which will randomly walk around. Do they even have pet and insect control? Really disappointed to be amidated here, thought is under the HMI Mgmt should be up to standard by them. As they are considering big group in healthcare in Singapore as they also do Education and Training Centre for the healthcare support sector.

I brought my grandmother to the hospital for a follow-up consultation, but the hospital stopped me at the front counter and told me that I could not go to see doctor because we had a fee that we had not yet paid off. But this fee was due to the improper arrangement of the operating room by hospital, which caused us to have to pay back the fee, pay the extra fee. What makes me feel very angry is that the hospital prevented us from seeing the doctor and did not allow us to go for follow-up consultation and to check my grandmother's wound. If my grandmother unfortunately has a problem with the wound and an accident occurs, I will hold you responsible for this? Please ask the hospital to pay attention to this issue. Are we responsible for this cost? Why can the hospital prevent the patient from seeing the doctor and prevent the patient goes for a follow-up consultation to check the wound? Does the hospital really have this right?

RSH provide good services from registration until i discharge from here. Im very satisfied & very thankful to dr thokha & team & all staff in LR. Tk

Will never ever come to this hospital. Arrived at the hospital today with my baby having high fever. They told me there is no doctor and to call the ambulance. Called the ambulance and end up the ambulance referred us to the doctor in this hospital. Ambulance took baby temperature and blood pressure. We went into the emergency room and did a Covid test for baby. Very tough towards baby, swab baby nose till bleed and told us it’s normal. No doctor came to see us at all. Just a nurse came to speak to us and told us to monitor baby. Nurse didn’t even do a check up for our baby ended up paying $400 USD for consultation and emergency room! No check up done on baby and no medication given. I guess they don’t like doing foreigner business. Disappointed in Japan healthcare. Baby is still running a 39 degree high fever and we were told to pay and leave. Ridiculous

Literally the worst hospital i have ever visited. I waited for 4 hours straight and when I asked how long I needed to wait, the doctors just simply said she has no idea, and just change a hospital if you don’t have time. So cold. I think anyone who went there as foreigners could understand what I am talking about. Honestly, i don’t even wanna give one star.

I'm here as an inpatient. Everyone is pretty nice and they have pretty much everything you would need. Don't feel afraid to come here. My teacher also said he comes here regularly for checkups and that he likes it and it has a good reputation.

I had my MRI there and the purpose was to look for a serious condition. The neurosurgeon barely answered any questions and I had to force him to look at my MRI. It was shocking ! He also refused to write a report for my rheumatologist. I've never seen this. My rheumatologist had to ask for a report to another radiologist and finally we pinpoint the disease !! This behavior is unacceptable and the last time I checked MRI cost me 1 000 $ ! The minimum he could do was to spend 10 minutes to explain me !

Had an exhilarating stroll around Yonsei campus. There's a bookstore for souvenir university items. Most K dramas have scenes around the campus. Very scenic. A must visit place even for first timers in Korea.

Great experience as an international traveller. Doctors speak English and tests were done in a swift manner. My travel insurance company worked quickly to make payment so I wasn’t out of pocket.