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Insurance to fit YOUR needs

We Bridge the Medicare Gap

At Carida, our primary focus is bridging the Medicare Insurance gap whether you are newly eligible or you have an existing policy.    

Our goal is simple – we look to uncover every available opportunity to maximize your benefits or save you money through a process that is transparent, thoughtful and focused – on you.

People’s needs are very different, so we do not propose insurance plans for everyone; we propose insurance plans for Every “One”

Supplemental Insurance Plans

A Medicare Supplement Insurance (Medigap) policy can help pay some of the health care costs that Original Medicare does not cover, like coinsurance, copayments, or deductibles

Medicare Advantage Plans

Medicare Advantage Plans are private “all in one” alternatives to Original Medicare. These "bundled" plans include Medicare Part A (hospital insurance), Part B (medical insurance) and often Part D (prescription coverage)

Prescription Drug Plans

For seniors with plans that can't offer drug coverage (like Medicare Medical Savings Accounts) or choose not to offer drug coverage (like some Private Fee-for-Service plans) a separate Prescription Drug Plan may provide savings

Our Carriers

Our Approach

Small things make a big difference in your personal, physical, and financial well being.

At Carida, we go beyond surface facts to fully understand your specific needs – from prescription drug usage and doctor preferences to assistance needs and financial resources.

Given our expertise, resources, and people-first approach to planning; we take pride in servings your Senior Wealthcare Specialist.

Policy Benefits

We first discuss your current policy and what you like and do not like about your plan - cost, limitations etc

Health Status

We then discuss your current health situation - we believe in custom tailoring not "one size size fits all" plans

Prescription Needs

With a high-level understanding of your current situation; we learn about your prescriptions and review each against plans

Assistance Needs

If assistance resources (walker, wheelchair, professional support etc) are needed we talk though plan possibilities

Doctor Preference

You likely have one or more doctors you are comfortable with, so we look up each provider up to further evaluate plans

Financial Situation

A healthcare investment only works if it works for you, so we discuss plans that make the most sense for your needs

Satisfied Clients

At Carida, we know healthcare is a big investment.   Unfortunately, many people to get the maximum return of their investment.  Our team of licensed Senior Wealthcare Specialists do not make a single Medicare policy change recommendation until we fully understand you and your specific needs and concerns.

Albert Caruso

New health issues created costly plan gaps

While still quite active; Albert had a few health-related setbacks and quickly realized his existing coverage was far too limited.  

After better understanding Albert’s health status, prescription needs, and doctor preferences; we aligned him with a Supplemental Medicare Insurance plan – saving him significant dollars over time

Freeda Johnson

Turning 65 with significant health issues

With Type Two Diabetes and early stage Parkinson’s Disease; Freeda was unsure about her options – cost and coverage.  

We provided Freeda with detailed plan options based on her questions and needs.  Ultimately, Freeda decided on a bundled Medicare Advantage plan – providing her value and peace of mind

Janet Botarsky

Healthy, but concerned about her plans limitation

As a healthy woman in her early 70s; Janet was generally satisfied with her basic Medicare Medical Savings Account plan.

However, without any prescription drug coverage, Janet’s monthly costs were too high.   Janet decided to stay with her existing policy, so we added a separate prescription drug plan – creating cost stability and savings



At Carida, we take great pride when we are able to uncover an opportunity to save you money and maximize your benefits.  Our ultimate goal is to find the insurance solution that best meets YOUR NEEDS 

Client Value

Happy Clients

Team Growth

Find out if we can improve your benefits and save you money

We can’t promise we will be successful, but we can promise we will explore every available opportunity to improve your benefits and save you money – at no cost to you


(855) 945 - 0220



500 Glenpointe Center W - Suite 105
Teaneck, NJ 07666


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