@theend903, that's exactly how it works. if you let her know what you will be using the monogram on/for she can tell you what type of file(s) you need. since i'll be using mine on a variety of things with a variety of backgrounds, i paid $5 for a .png file - one where the background is transparent. so for example, my STD info brochures are a cream color. the original file she sent to me had the monogram on a white background which i didn't want on the cream brochures. so the .png file, with the transparent background was what i needed for that. but for our website, which has a white background, the original was fine.
you should definitely check her out!