I agree with all the posters above who added to my previous post. For those wanting to know about paycheck deductions, it is done at each check. If you sign up for $1200, it will be $50 per paycheck, twice per month. I did $1000 at $41.67 per paycheck. As mentioned, it is all available in January, with the whole year to pay it off. Works on copays, prescriptions, glasses, etc.