I’m Karen Martinkowski, and I have been proud to serve as a Medicare Specialist with Luczkowski Agency for over 10 years. I was born and raised in Willoughby, Ohio, and I earned my BA degree from Kent State University, followed by my Master’s and PhD from the University of Maryland.
I specialize in helping clients navigate Medicare options, making the process clear and approachable so they can make confident decisions about their coverage. Guiding people through their choices and ensuring they have the right plan for their needs is the part of my work I enjoy most.
When I’m not assisting clients, I love spending time in my garden and listening to local bands. I find that both hobbies give me a chance to relax, recharge, and enjoy the community I’ve called home for so many years.
