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.
What distinguishes the opal from other stones is the unique play of color and glint of light that sets the opal part from every other gemstone. The most common kind of opal, the white opal, has a white, milky base color with a rainbow of pastel shades, while the black opal reflects blue, gray and green tones.