Three things we do well


Stop-loss is a risk product, and the risk is managed on the ground. These are the areas where our team adds the most expertise.
Contracting

We understand how network and provider contracts shape claims. That knowledge goes straight into how we price and structure coverage for your groups.

Cost containment

We learn each TPA's cost containment strategy, then reflect the results in the rates. Programs that control claims are rewarded for it.

Level-funding

Predictable monthly payments with the upside of self-funding. We rate level-funded stop-loss alongside traditional stop-loss, so you can compare both for the same group.

Who We Are


Stonewater's senior leadership has spent nearly 40 years marketing and administering self-funded plans. That experience is the foundation for our stop-loss underwriting.

Years of Experience
and Knowledge

Our founders brought self-funding to the Federal contracting marketplace more than 35 years ago and built a TPA that became a leader in that space. We add technical risk expertise to that history and apply it across medical stop-loss for employers of all kinds.

Learn More About Us
meet our team

Government contractors remain a core market. Government contracts account for 3.7 million employees in the United States, including mail haulers, janitorial, cafeteria, and security personnel. We know that market well and continue to serve it.

Workers Rest Easy

The STONEWATER Advantage

We work with TPAs, not quote mills

Stonewater doesn't chase volume. We partner with TPAs to build blocks of business together.

When we understand a TPA's cost containment approach, we can develop rate tables for that TPA specifically and price the real risk, not an industry average.

Read about our advantages

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Underwriting

Clear, consistent underwriting built around each TPA's book of business.

SimpleQuote™

A faster way to get stop-loss quotes for traditional and level-funded plans under 150 employees.

Traditional Stop-Loss

Specific and aggregate coverage for self-funded groups of 25 to 5,000 lives.

Claims

Reimbursement handled by people who know the plans they are reviewing.

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Talk to STONEWATER about your stop-loss program

Email us or call 844-700-3667, Monday to Friday, 8 AM to 5 PM CST.