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Closing a Deal



Tracy Marinho -

Tracy Keith Marinho has established a lengthy career in the health insurance industry.  As a partner in TraMar Associates, she strives to provide her clients with the personalized service that they deserve.  With steady and successful growth, TraMar Associates is well prepared to provide their clients with the expertise in Health Insurance that is needed.  Tracy is licensed with all major carriers and is dedicated to finding the right solution for her clients.  Her mission, "to help her clients navigate the ever-changing Medicare and Individual Health landscape year-after-year."  Tracy serves Pennsylvania, New Jersey, New York, Florida, South Carolina, Texas, Nebraska, and West Virginia.

Mary Wojnowski began her insurance career in 1978 as an agent with New York Life.  After 10 years of learning the business and obtaining her CLU and ChFC professional designations, she became an independent agent focusing on employee benefits.  Mary was a founding principal of Kistler Tiffany Voluntary Benefits Company and later an owner of We-Enroll Incorporated; a company that focused on voluntary benefits as well as employer benefit administration.  After retiring from the Company that she founded in 2007, Mary chose to continue her insurance career by helping seniors navigate the very complex and confusing Medicare system.  Teaming up with Tracy Keith Marinho, they formed TraMar Associates.  Today, TraMar Associates has helped hundreds of seniors and individuals with their healthcare insurance decisions.  In 2014, Mary became certified to help individuals with the Affordable Care Act (Obama Care) plans.  Today, Mary is licensed in Pennsylvania, New Jersey and Delaware as well as, Arizona, Connecticut, Florida, Maryland, New York, North Carolina, Ohio, Tennessee and Virginia.

Mary Wojnowski -


Linette Applebach has been in the health insurance industry for over 20+ years and has been with TraMar Associates since its inception.  Linette serves Montgomery, Chester and Berks counties in Pennsylvania and is contracted with all of the Medicare Advantage plans as well as Medigap Carriers prescription drug (Part D) plans.  While spending many years in customer service for our agency, she is well versed in all of the Medicare plans we offer as well as the Affordable Care Act (Obama Care) plans.  Linette's goal is to bring simplicity and understanding to her clients.

Linette Applebach -


Cheryl Littman comes to us with over thirty years in the insurance industry.  Twenty-five of those years, have been spent in the senior products market.  Cheryl began her insurance career at Independence Blue Cross in 1992, first in the commercial group insurance business, then at the inception of Medicare Advantage products, transitioned into the Medicare field where she not only sold Medicare products, but later on moved into product development.  Realizing that helping Medicare beneficiaries make the right choices, was where she wanted to be, she retired from IBC and joined Bravo Health as a Broker Manager where she assisted brokers in the sale of Bravo’s Medicare products, including their Special Needs Products.  Cheryl is committed to making sure that every Medicare beneficiary has the information they need to make informed decisions about their health insurance.  That is why after leaving Cigna-HealthSpring in 2014, she joined TraMar Associates where she can now expand her product portfolio and assure that the Medicare population are getting all the information they need to make informed choices.  When not working, Cheryl enjoys baking, the beach and taking long walks with her new puppy.

Cheryl Littman -

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