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.
Australia produces around 97% of the world's opal. 90% is called 'light opal' or white and crystal opal. White makes up 60% of the opal productions but cannot be found in all of the opal fields. Crystal opal or pure hydrated silica makes up 30% of the opal produced, 8% is black and only 2% is boulder opal.