The "Out-of-Pocket Model" refers to a healthcare financing system where individuals pay for their medical expenses directly, without insurance coverage. In this model, patients are responsible for all costs associated with their care, including consultations, treatments, and medications. This approach is common in many low-income countries where health insurance is not widely available. In the Out-of-Pocket Model, the financial burden falls entirely on the patient, which can lead to significant disparities in access to care. Those with limited resources may delay or forgo necessary treatments, impacting overall health outcomes. This model contrasts with systems that utilize insurance, such as Medicare or Medicaid, which help cover costs for eligible individuals.