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 is one of the world's most beautiful and precious gemstones, predominantly found in Australia. It is one of only six types of precious gemstones found on planet earth, sharing prestigious company with diamonds, rubies, sapphires, emeralds, and pearls. Over 95% of the world's precious opal comes from Australia, and opal is Australia's national gemstone. While several different types of opal are present in nature, there are two main varieties-precious opal and common opal or potch. Precious opals exhibit the characteristic play-of-colour, and is comparatively rare. Opal which is dull and valueless is called common opal. Common opal occurs in abundance throughout the world. Common opal and potch do not exhibit a play of colour.