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.
Any kind of gemstone material can be produced as a doublet, especially expensive varieties such as sapphire, ruby and alexandrite. However, doublets are most often found in opal, since high quality precious opal is both very expensive and fragile. An opal doublet consists of a slice of precious opal usually glued to a black backing (common opal or glass), designed to imitate the appearance of a solid black opal.