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.
Opal is said to have holistic powers and gives the wearer an understanding of higher powers. Opal is a rare gemstone consisting of hydrated silica. Opal is mined in Australia, Ethiopia, Mexico and Europe. Opal is the Birthstone for October and is admired by business people and travellers as a safe travelling charm.