Karen Pollitz
Jennifer Libster
Kevin Lucia
Eliza Bangit
Mila KofmanGEORGETOWN UNIVERSITY
HEALTH POLICY institute

January 2007

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

The authors also wish to express appreciation to the staff of the Virginia Bureau 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.