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I looked at this issue as carefully as i could and decided to buy a policy from Mutual Protective/Medico Life Insurance Companies for two reasons:
1 If you don't use it for 10 years, you receive 80% of your premiums back (prorated for less years)

2. A legal fact that the insurance agents or companies don't tell you is that in case the company goes belly-up, the State government will pay the nursing home costs according to your policy.This is because all insurance companies pay a premium to each state they operate in to protect the clients. This can be checked out in each State by calling the appropriate health insurance division.
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