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.
Photo: Opalite. Opal is a hydrous silicon dioxide mineraloid (it has no crystalline structure, and between 10% to 20% water content). There are 2 groups of Opal: Precious Opal (play of colour) and Common Opal (no play of colour). Light diffracts into a spectrum of colours through ordered micro-silica spheres within Precious Opal.