beginning modeling question

Having a bit of a problem with this modeling tutorial. I am very new to the blender and CG world and have ran into a problem with the neck (forgive me for my noob terminology). It seems that there is no face on top of the neck. So when I add in things like loop cuts it only applies to the front and back axis and not the left and the right. How can I correct that? thanks in advance!

In the lower image you have a triangle which will always stop a loop cut. You can modify mesh to make this a quad or use another tool such as the knife tool

… or tear apart your creation in some places…

Ctrl+F3 to take a screenshot in Blender.