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Serving Minneapolis and the West and Southwest Communities

Visiting Angels WAYZATA, MN

901 Twelve Oaks Center Drive #908C
Wayzata, MN 55391
Phone: 952-935-0789

Long-Term Care Insurance Experts

Getting care for a loved one at home is an important commitment, and long-term care insurance can be a valuable resource for families making that choice.  But understanding your policy and actually using your benefits can feel overwhelming. That’s where Visiting Angels Wayzata comes in. Our team specializes in helping families navigate their LTCI coverage so they can focus on what truly matters—making sure their loved one gets the best possible care at home. We proudly serve families throughout Wayzata, and the greater Twin Cities metro area.

What does Long-Term Care Insurance Cover?

Most long-term care insurance will help cover in-home care services, but every policy is different. Here are some of the most common benefits covered by LTCI:

• Personal Care Assistance: One of the main benefits of long-term care insurance is its coverage for in-home care services that help with Activities of Daily Living (ADLs). This includes things like:
  • Bathing, dressing, hygiene assistance
  • Meal planning and preparation
  • Mobility assistance and stand-by support
  • Medication reminders
  • Transportation to appointments

    Since policies and insurance agencies are all different, it is important to check the details, such as coverage limits or required eligibility criteria.

• Memory Care:  Caring for a loved one with Alzheimer's Disease or dementia requires specialized training. Many LTCI policies include coverage for memory care services like:
  • Engaging activities that are designed to strengthen cognitive health
  • Redirection and emotional support
  • Fall prevention and safety at home

          When reviewing your long-term care policy, look for details on memory care qualifications and possible caregiver requirements. 

• Respite Care:  Many times, families want to handle caregiving on their own, but everyone needs a break sometimes.  Respite care provides short-term relief for family caregivers, which gives them time to rest, run errands, or take care of other family responsibilities. Some LTCI policies also cover overnight care or extended respite. 

How Visiting Angels Helps You Navigate LTCI

Figuring out long-term care insurance can be challenging, but you're not in it alone. Our team is here to help you understand your benefits and make the most of them.

We work often with leading LTCI providers such as: Genworth, John Hancock, Thrivent, Unum, Allianz, Bankers Life, CNA, Continental, Met Life, Prudential, TransAmerica & RiverSource and others. We're here to help you: 

• Understand which in-home care services are covered under your policy
• Determine your policy's waiting period and coverage limits
• Confirm your loved one's eligibility for in-home care benefits
• Help organize the paperwork needed to start your claim

Support Throughout the Claims Process

Filing a claim can be time consuming and confusing, but we're here to make it easier. While we can't submit claims for you, due to HIPAA regulations, we're happy to assist you along the way. We can:

• Guide you through the claims submission process in person or over the phone.
• Help coordinate any required nurse assessments.
• Ensure paperwork is completed and submitted on time.
• Assist with additional documentation requests to keep your claim moving forward.

With Visiting Angels handling the details, you can focus on what matters most—caring for your loved one.

Custom Care Plans Tailored Specifically for Your Loved One

Every senior has unique needs, and every LTCI policy is different. That's why we create personalized plans that:

• Prioritize your loved one’s health, safety, and daily needs.
• Align with your policy guidelines to maximize your benefits.
• Adapt as care needs change over time.

Ongoing Support – We're Here for You

Our commitment to your family doesn’t stop after your claim is approved. We continue to:

• Track your reimbursements to avoid payment delays.
• Communicate with your insurance provider to prevent interruptions in service.
• Update your care plan as needs change to continue giving the best possible support.

At Visiting Angels Wayzata, we believe that accessing long-term care insurance should be simple and stress-free. Contact us today by using our online form or give us a call at 952-935-0789 to schedule your free consultation and take the first step toward peace of mind.

Serving Families Across the Twin Cities

Visiting Angels provides assistance to families in:

• Wayzata
• Hopkins
• Plymouth
• Minnetonka
• Maple Grove
• Delano
• Other communities in Hennepin and WrightCounties

Talk with an Expert Today

If you're feeling overwhelmed by the process of long-term care insurance, let us help.  We offer a free consultation to answer your questions and put together a care plan that meets your loved one's needs.

Contact our team today to learn more about our in-home care services can support your loved one - wherever they call home.