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Health Care Facility reviews in Northdale

  • F
    iHealthBrokers

    I called IHealth Broker in mid-2015 as I had become permanently disabled after 44 years of employment. However, as I had yet to be approved for any form of disability, I had no income at that point. I began researching options for medical insurance on the federal exchange through the ACA, versus my COBRA option. The ONLY reason I contacted IHealth Broker was my uncertainty regarding the criteria for income under the ACA; I was unsure if my 3 months of STD would count as income for 2015 as it was categorized as untaxed for federal IRS purposes. If my STD counted as income, I knew I would not be eligible for a subsidy under the ACA.

    I worked with Jimmie Needles, who apparently is now ?retired? per the owner, Jesse Smedley. While he seemed competent, his mannerism was quite rude and abrupt. In fact, I almost ended our initial conversation due to this, and sincerely wish I had. However, I was quite ill and had little energy to research another agent. I posed my questions regarding the STD as income to Jimmie, and he took some time to research it while speaking with me. He then read verbatim from something official sounding, which stated that untaxed income was not counted into the income criteria for the ACA. From this information he calculated my income as I provided, minus the STD income which I also provided, and we proceeded from there.

    Never did he tell me, as he is quoted in the Florida Department of Financial Services, Division of Consumer Service investigative report subsequent to the complaint I filed with them, ?that as an agent he is not allowed by company policy to provide advice on income situations only to refer your specific question to your tax professional,? and, he ?asked if you checked with your tax professional regarding your income and quotes were provided to you were based on the amount you provided as income.? This is an outright lie! These statements were NEVER made, rather, he very clearly told me my STD was not counted as income for the ACA federal exchange subsidy, plain and simple, and I believed him.

    As it turns out, the ACA criteria is based on MODIFIED Adjusted Gross Income (MAGI), not a simple AGI as we use on our IRS tax return. The MAGI uses ALL income, taxed or untaxed. This, of course, meant I was not eligible for a subsidy. However, I did not know that in July of 2015, instead, I stupidly trusted Jimmie Needles. Based on the information provided by him, I was informed I was eligible for a $500+ monthly subsidy. The far inferior plan I ultimately selected through the federal exchange, which was only an HMO with in-state doctors, supposedly would cost me approximately $150 per month; without the subsidy it was approximately $650. My COBRA plan cost almost the same at $674 per month, but was a far superior PPO plan that not only allowed me to see my out of state specialists who had kept me alive for 10 years, it had a small $500 annual deductible. However, given I had no income, I declined my COBRA plan and purchased the plan I thought I could afford using savings.

    Come renewal time December 2015?Surprise!!! I speak with Jesse Smedley, and through my own research and discussion with him, I discover the REAL FACTS. I was never eligible for a subsidy, and, ultimately, was required to repay every cent of it through my tax return owed me-close to $3000. But here is the real tragedy, my excellent COBRA plan is lost.

    Let me explain what the incompetence of IHealth Broker means to me in real terms. For the 5 months of 2015, I ultimately gave up my excellent coverage, and paid the same amount for a plan that required I play Russian Roulette and hope I would not need my specialists in Boston. My deductible was in the thousands, so I paid full amount for a diagnostic in December 2015. For 2016 I am still not eligible by income under the ACA as my disability was approved. Therefore, I was forced to purchase a plan on the private market that allows me to see my out-of-state doctors. I now pay approximately the same as would have for my COBRA, over $600 per month. HOWEVER, my new annual deductible is $6450 versus the $500 annual deductible of my COBRA plan. So what does that mean? It means, except for the wellness coverage required under the ACA, for all intents and purposes, I simply have catastrophic medical insurance only. I cannot address any health issues without paying $6450 first. I can thank IHealth Broker for that life and death fact. So as the old adage goes: you get what you pay for! This is a ?free? service that ended up costing me tens of thousands of dollars and potentially what is left of my health. As I mentioned, I filed a complaint with the Florida Department of Financial Services, who at the outset told me it would become a ?he said she said? and it did. Smedley Insurance Group, Inc. suffered no consequences, but I certainly did. Turn around and run away from this group.        


    - Janet M.
  • A
    Moffitt Cancer Center
    Despite the difficult circumstances. Moffitt was great.  The doctors are the best in town and they treat you with compassion and understanding.  They assist with all your paperwork and make the process as comforting as possible.  Unlike, St. Joseph's they do not harass you for money at the time of your need.
    - Sheri M.
  • B
    The Tampa General Hospital
    The emergency room is terrible, the process is terrible,  it took me six or eight hours to wait in the emergency room. I was there twice and it was a really long wait. Once you see a doctor in the emergency they are very good. what i liked when the doctor meets the doctors they were knowledgeable they tried to cover every single trap to make sure they figure out what was wrong, they were professional.
    - Sandra R.
  • B
    United Health Care
    We were switched to United Health from Blue Cross this year due to my husband's employer's decision.  So far, we don't have any problems with them(no big bill to argue with yet); it seems like their website is easier to use to check claims info, etc.  The best part of United Health is I can talk to a registered nurse 24/7 with no extra charge.  Sometimes this kind of service("myNurseLine") is the only thing you need and saves a lot of time & money.
    - Keiko O.
  • A
    St Joseph's Hospital - North
    It went very good. They provide very good care and all. Their food is very good. It's like restaurant quality. You can order from a menu anytime you want and they will just bring it to you within a few minutes of your order. You can order anything you like and they have desserts that are really good. Late at night if you want a snack, they got snacks you can order in. They do things for the patient from the patient's point of view rather than just doing things that are convenient for the hospital. Their office was fine. They were on time. I'd use them again.
    - Jack C.
  • B
    Largo Medical Ctr
    My mother was rushed to largo Medical Center by ambulance, the emergency room was excellent, they immediatly ran lots of tests to see what was wrong, she was found at a physical therapy facility that was reffered to us by her doctors at this facility, she was found unconsious on the bathroom floor. After many tests she was admiited for 7 days and then transferred to an assisted living facilty. She received excellent care during her stay here and they were very compassionalte and thorough.
    - TED E.
  • A
    Fast Track Urgent Care
    The facility is very clean. There was virtually no wait, all the staff were nice and friendly, and most important the doctor was thorough and knowledgable. He took time with my son, did appropriate tests, and explained the treatment we was recommending. He gave my son a prescription to ttreat him now, as well as advice as to what to do when he returns home. All in all, it was an excellent experience. I would use the facility again.
    - HARVEY AND LISA R.
  • A
    Sweetbay Supermarkets
    They are outstanding. We have been using other pharmacies and they don't even come close to the accuracy, professionalism and the turn around time that Sweetbay has. Since we've been with them, probably 3 years, we haven't had one error.
    - ALICE P.
  • C
    Northwest Family Medical Center
    I see Dr. Michael Cromer there. He is extremely knowledgeable and efficient. The office staff is less than desirable. It is an extremely busy place. They just don���t seem to have time to be interested in me. They have 2 doctors and 3 nurse practitioners. On a walk in basis, I can generally get in within an hour or two of appointment time. They usually run a little behind schedule though appointments are available. The office environment is very pleasant. Excluding office staff, the other personnel there are very friendly.
    - DAVID P.
  • A
    North Dale Pharmacy Inc
    We followed our pharmacists for the last 13 years. They take great care of us. When we walk into the pharmacy they know us by our names. They make sure our prescription is ready when we go there. If we are with our children they get us in and out in 5-10 minutes time. They have offered suggestions for some of our expensive prescriptions of other choices and also given us combination of medicines and saved us some money. We love them.
    - Laura L.
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Health Care Facilities in Northdale

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