Kyle Kokot, Medicare Insurance Broker
Kyle Kokot
Carolina Senior Benefits
Medicare Broker Licensed in NC, AL, AR, AZ, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, NJ, OH, OK, PA, RI, SC, TN, TX, UT, VA, VT and WV
10+ Years of Experience
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North Carolina
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About Me
Kyle Kokot is a Medicare insurance expert, author, and co-founder of Carolina Senior Benefits and Kokot's Insurance Agency. Over the years, Kyle and his team have helped more than 10,000 Medicare beneficiaries across the United States navigate Medicare with confidence and make informed healthcare decisions.
When he's not educating individuals about Medicare, Kyle enjoys spending time with his family. He is a devoted husband, proud father of two daughters, with his first son on the way, and a dedicated dog dad. Whether it's enjoying the outdoors, spending time on the golf course, or making an ice cream stop on the way home, family time is at the center of everything he does.
As part of his commitment to helping people better understand Medicare, Kyle authored Medicare Breakdown, a practical guide that highlights the seven most common Medicare mistakes, how to avoid them, and the five essential steps everyone should take before turning 65. Attendees of the webinar will receive a complimentary copy of the book to help them prepare for a successful Medicare transition.
My Google Reviews
1999 Total Reviews (5.0 )
October 30, 2026
It was awesome talking about my benefits today with Jody he was very informative and please hire more people like him
October 30, 2026
Stephen was very helpful and informative as we discussed options for UHC. Thank you so much for sharing. Shelia Kensinger
October 30, 2026
October 29, 2026
Mckenzie went over all my medications, doctors and concerns and found a great solution for me and it is going to save me money.
October 29, 2026
Super service from Stephen O’Rourke today. Absolutely very pleased with the customer care he provided today.
Q&A with Kyle Kokot
I'm living solely on Social Security of $1,400 monthly and can't afford my Medicare premiums and copays. What assistance programs might help someone in my situation?
Answer: Low-income subsidy by the state you live in, or apply for state Medicaid at that income. You can apply for this online at SSA.gov under the Medicare tab dropdown that says Low-income Part D Extra Help.
I'm turning 65 soon, when can I enroll in Medicare?
Answer: If you draw a Social Security check already, then you will be automatically enrolled. If you do not draw Social Security, then you can enroll into Medicare A&B 3 months before the month you turn 65. For example: If you turn 65 in the month of June, then you could enroll into Medicare A&B as early as March 1st.
You can submit your application to enroll into Medicare on the SSA.gov website. Click on Medicare, then click on Apply online.
Is it better to get Medicare Part D or Medicare Advantage?
Answer: The question here should be... Is it better to go with a Medigap and Part D vs Medicare Advantage Part C. When trying to decide, this will be based off a few factors.
1. How's your health?
2. Can you afford going the Medigap route?
3. Do you travel often?
There are a few other questions we would ask someone, but it will be different for everyone.
The short answer to this would be there is nothing as good as going with Medicare, supplement and a drug card, but on the flipside, it is a way more expensive route, and whether you are sick or not, you will pay premiums.
I tried calling Medicare and got transferred five times. Is there any way to get straight answers from them?
Answer: I would first say make sure you called the right number for Medicare. When you call that number, make sure to say representative until they actually get someone on the phone.
Every year I stress over picking a plan and still end up surprised by the bills. Is there any way to just get peace of mind with Medicare?
Answer: Yes! Stick with one agent that is a broker and can offer all the options that are available to you in your area!
What's the most important question I should be asking about Medicare that I probably haven't thought of yet?
Answer: If I am still working and have employer coverage, what are my options? Do you know that you can continue to work and drop your employer coverage and take on Medicare? You can also delay your Medicare and keep employer coverage without any penalties!