THIS IS SUPPOSE TO BE A FLEXABLE SPENDING ACCOUNT WHERE YOU PUT MONEY IN IT THREW OUT THE YEAR TO USE ON MEDICAL BILLS NOW. THERE ARE SO MANY RULES THEY DONT TELL YOU ABOUT SO THAT CAN DENIE YOUR CLAIMS AND KEEP YOUR MONEY . SO FAR THEY GOT MY HUSBAND FOR OVER 300.00 AND ME FOR 200.00 . WHAT THE BEST THING IS YOU CANT GET OUT OF IT, SO THEY LOCK YOUR CARD UP SO YOU CANT USE IT AND KEEP TAKING YOUR MONEY OUT OF YOUR CHECK EVERY WEEK . DONT SIGN UP FOR IT. I MADE THE MISTAKE AND SIGNED UP THREW MY EMPLOYER., WHICH CAN NOT HELP ME SO ALL TOGETHER THEY WILL GET US FOR ABOUT 1000.00 read full review »