Stone Mountain Risk (SMR) is a Stop-Loss Carrier, meaning we help groups fund their own claims throughout the year and reducing the risk on high dollar medical claims that breach the aggregate. Self-funding this way allows us to deliver rates well below the large carriers. We provide a system to brokers, agents, producers, and consultants that allows them to run illustrative proposals straight from their desktop. Our products include: - Stone Mountain Health Plans - Hi Card - DIYBS Our fully-funded program pays back 100% of your surplus claims, avoids state mandates, waives deductibles, lowers premiums 20-50%, and gets you quotes within a day. In over 25+ years, we've enrolled over 200+ companies in our health plan. Reduced admin costs, no specific deductibles, accelerated claims payment process, one monthly payment.