The August 2012 Consumer Reports Money Adviser says:
Couples have the option of a “shared benefit” rider that lets them both draw from a combined pool of funds instead of limiting each of them to a set amount of coverage. For example, a three- or four-year shared-benefit plan provides a pool of six or eight years of coverage they can share.
Also look into state partnership programs. These programs set minimum requirements for private insurance policies that allow you to retain some assets you otherwise would have to spend to qualify for Medicaid if your care costs exceed your coverage. For more information, go to longtermcare.gov and search for “state partnership programs.”
Get at least four or five quotes from different companies that are highly rated for financial strength by leading ratings services, such as A.M. Best, Fitch Ratings, Moodys, Standard & Poor’s, and TheStreet. To obtain multiple quotes, use an independent agent who works with several insurers.