Coverage That Works for Your Team
Employee Benefits & Group Health Insurance in Missouri
Benefits Built for Small Teams, Big Missions
Health, Dental, and Group Plans With Local Support
Offering benefits isn’t just about checking a box, it’s about taking care of the people who keep your organization running. At Fortner Insurance, we help Missouri businesses, nonprofits, churches, and schools build custom employee benefits packages that fit their budget and their values. Whether you need group health insurance in Springfield MO, employee dental plans, or group life and disability coverage, we’ll help you compare carriers, explain your options, and set your team up with a plan they’ll appreciate.
What we cover
Flexible Employee Benefits for Missouri Organizations
Group Health Insurance
Core medical coverage options with flexible deductibles, networks, and carrier options.
Dental & Vision Insurance
Popular add-ons that help round out your benefits and support employee wellness.
Group Life Insurance
Provides protection for employees’ families and adds long-term value to your benefits package.
Short- & Long-Term Disability
Helps replace income when employees face injury, illness, or extended leave.
Voluntary Benefits
Optional coverage like accident, critical illness, and supplemental plans, often at no cost to the employer.
Employee Wellness & Engagement
Programs and resources designed to support health, productivity, and workplace satisfaction.
Group Medicare Resource
Guidance and education for employees approaching retirement age, including Medicare Advantage, Medigap, and Part D options.
HR & Enrollment Support
We’ll help you communicate, enroll, and answer employee questions year-round.
Policy Reviews & Compliance Guidance
Whether you’re offering benefits for the first time or reviewing an existing plan, we’ll walk you through every detail.
Why Work With Fortner
Personal Support. Trusted Carriers. Honest Advice.
We Work With Missouri Employers
From Springfield to Joplin to Cape Girardeau, we help small businesses and nonprofits offer real, affordable benefits.
We’re a Local Broker
We’re not a call center. We’re a family-run agency that takes the time to explain what you’re signing, and why it matters.
We’re Flexible, Just Like You
We work with multiple carriers and plan types, so you’re never stuck with a one-size-fits-all solution.
Torrey Amstutz
Your Benefits & Medicare Guide
Torrey leads Medicare and Employee Benefits at Fortner Insurance, bringing more than 28 years of broker experience to every conversation. He’s known for clear, practical education, regularly presenting Medicare Overview sessions for Missouri State University employees to explain Parts A–D, Medigap, and enrollment timelines. Before Fortner, Torrey supported employers and individuals across Missouri in group health and voluntary benefits, with prior leadership roles at Aflac and advisory work with Employee Benefit Design. Whether you’re comparing Medicare Advantage, Medigap, or Part D, or building a competitive benefits package, Torrey’s goal is simple: help you make confident, informed decisions.
Employee Benefits FAQs
What Missouri Employers Ask Most
How many employees do I need to offer group health insurance?
In Missouri, most plans require at least two full-time employees—but options vary. We’ll help you find the right fit.
What’s the difference between group and individual plans?
Group plans are offered by employers and typically have better rates and coverage. Individual plans are bought on your own.
Can I offer benefits without paying 100% of the cost?
Yes. Many employers share the cost or offer voluntary plans. We’ll help structure it to fit your budget.
Do nonprofits and churches qualify for group plans?
Absolutely. We work with many faith-based and nonprofit employers offering full benefits to their teams.
What’s the most popular employee benefit?
Health insurance is the most requested, but dental and life insurance are close behind.