A Healthcare Reimbursement Plan (HRP) is an employer-funded, tax advantaged employer health benefit plan that can reimburse employees for individual health insurance premiums. An HRP is not considered health insurance. Rather, it is a way to provide allowances for individual health insurance. Using the HRP, the employer makes contributions to an employee's allowance. Then, the HRP provides reimbursement for eligible healthcare expenses.
Crystal Opal - Crystal opal is any of the above kind of opal which has a transparent or semi-transparent body tone - i.e. you can see through the stone. Crystal opal can have a dark or light body tone, leading to the terms black crystal opal and white crystal opal.
Caring for your Opal. Solid Opals - Opal is a soft stone, approximately the same hardness as glass (around 6.5 on Moh's hardness scale), so it is important to treat your opal carefully in order to avoid damaging it. Remove your opal jewellery if there is a chance it will be scratched or broken (i.e. working in the garden, moving furniture, etc.)