Start With Clarity
Local Medicare Support, From Springfield to Kansas City
Navigating Medicare can feel overwhelming, but you don’t have to go it alone. Fortner Insurance helps Missouri residents understand and compare Medicare Advantage, Medigap (Medicare Supplement), and Part D prescription plans, with personalized guidance tailored to your region. Whether you’re in Springfield neighborhoods like Rountree and Galloway, commuting to healthcare centers like CoxHealth or Mercy, or living in Kansas City, St. Louis, Columbia, or Jefferson City, we’ll help you find a plan that fits your doctors, prescriptions, and budget. Need broader planning? We can coordinate with your Life Insurance or point you to Employee Benefits options if you’re still working.
What we offer
Plans and Support We Provide
Medicare Advantage (Part C) Plans
All-in-one alternatives to Original Medicare; we compare benefits, premiums, and local networks.
Medicare Supplement (Medigap) Plans
Help cover deductibles and coinsurance with keep-your-doctor flexibility; Missouri includes a helpful anniversary “switch” window.
Part D Prescription Drug Plans
We review formularies, preferred pharmacies, and new 2025 out-of-pocket caps.
Doctor & Hospital Network Check
We help you verify providers at CoxHealth and Mercy before you enroll.
Annual Plan Reviews
Re-check benefits during the Annual Election Period to keep coverage and costs aligned.
Enrollment Guidance
Timing matters; we help with Initial, Special, and Annual Election Periods.
Why Choose Fortner for medicare
Independent, Local, And Here For You
Side-by-Side Comparisons
Clear breakdowns of premiums, coverage, and provider networks help you choose confidently.
Missouri Expertise
We understand plan providers, costs, and care networks across Springfield and beyond.
Annual Plan Reviews
We help you evaluate your Medicare coverage every year, ensuring it's the right fit for your evolving needs.
Torrey Amstutz
Your Medicare & Benefits 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, or building a competitive benefits package, Torrey’s goal is simple: help you make confident, informed decisions.
Medicare FAQs Across Missouri
What Missouri Residents Ask Most
Does Missouri have many Medicare Advantage options?
Yes—most counties offer between 10 to 45 Advantage plans to choose from.
What’s the difference between Medicare Advantage and Medigap?
Advantage plans bundle services and may restrict provider networks. Medigap adds on to Original Medicare, offering broader provider choice.
Can I keep using CoxHealth or Mercy with Medicare Advantage?
That depends on the plan’s network. We’ll check for you before enrollment.
What’s unique about Medigap in Missouri?
Missouri allows a guaranteed-issue “anniversary switch” to the same letter plan within a 30-day window around your policy anniversary.
What if I move within Missouri?
If you’re on Original Medicare, your coverage moves with you. For Medicare Advantage or Part D, you may need to switch plans using a Special Enrollment Period.
How can Missouri seniors get free Medicare help?
Connect with Missouri SHIP (aka CLAIM)—a free resource staffed by trained counselors who can walk you through your options.