Karen Pollitz
Eliza Bangit
Kevin Lucia
Jennifer Libster
Jennifer Hersh
Mila Kofman

GEORGETOWN UNIVERSITY
HEALTH POLICY INSTITUTE

November 2004 

The authors wish to express appreciation to Elizabeth Hadley, Robert Imes, Stephanie Lewis, Lauren Polite, Jalena Specht, and Nicole Tapay for their work developing earlier editions of these guides.

The authors also wish to express appreciation to the staff of the Kentucky Department of Insurance for their review of this document. Their help was invaluable in our research and understanding of applicable law and policy.  Without them, this guide would not have been possible.  However, any mistakes that may appear are our own.