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.
In addition to Australia, Opal is also found in Brazil, Guatemala, Honduras, Mexico and even the US, China and Japan, and in Europe Hungary which may have been the origin of the earliest examples of opal jewelry. What opal is and how it is formed. Types of opal. Australia's opal fields. How to choose an opal. Patterns. Value. Caring for your opal. Opal is the gemstone intimately connected with Australia, and rightly so, as more than 95% of the world's opal is mined there.