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 pendants are great for gifts or to buy for yourself .Old wives tale, say someone should buy you an opal but in todayâs modern world you can now buy what you see online. More expensive opals are set in Gold 9,10 ,14 or 18K pendant settings,and black opals and boulder opals are popular. Pendant designs can have diamonds or other gemstones and they do make the opal jewelry look classy and for night wear.