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.
I looked up these crystals to see if I could pinpoint a reason for their success. Opal healing crystals also promote happy dreams and allows for the release of inhibitions, I figured that this is what the Opal had brought to me. The Hematite which is sometimes called the Crystal for the mind, helps us sort things out, and brings calming to most situations; again these are the healing qualities that this crystal brought to me. So you see that sometimes, if the traditional or most commonly used healing crystals are not working for you, there maybe others out there that will do the job.