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.
No other gemstone has such rich and varied a folklore. Opals are also the most delicate gems commonly worn. They require special care to ensure their health and longevity. There are many varieties of opal, including black opal, white opal, common opal (potch), chocolate opal, boulder opal, opal doublet, opal triplet, fire opal and opal in matrix. Opal's fire was long thought to be the result of iridescence.