So I've been out and about all day walking in snow, and there is no way in hell I'm going to find this stone. The whole thing is insured, the problem is the jewelry store is 500 miles away from where I currently live.
I took it to a jeweler in town thinking it was a simple matter of replacing it, and she wouldn't fix it because she thinks that the other stones around it will start to fall out. I'm terrified to mail it someone please reassure me! I took it to a jeweler in town thinking it was a simple matter of replacing it, and she wouldn't fix it because she thinks that the other stones around it will start to fall out.
Our only option is to mail it or I won't be able to wear it for months. 
Re: One of my stones fell out of my ring
TBH, I couldn't see where the stone was missing. But, I would put it in a small plastic baggy (like what you get a chain in when you go to the jeweler's) and then put it in a ring box, and put that box into a box. Insure the ring via the mail system and make sure to call the receiving jeweler ahead to expect your package.
Good luck!
I would just let the receiving jeweler know about the concerns of the local jeweler, and they can look into it once they have it.
Perhaps get a second local jeweler to look at it (before sending it), that way if the jeweler far away says that they don't see anything wrong, you'll already have a second opinion, so you could say, "Well Mr./Mrs. Jeweler, I have had 2 people tell me differently, can you explain why they might have thought that?"
If you had it sized down like I did, the bending inward can cause the prongs to open slightly, causing the stones to be less secure. That's what caused my problem, anywho.