Dave,
You raise a good question and one that I do not have an answer to off the top of my head since I deal mainly on the medical insurance side of things. However, I am extremely interested in your question and believe there is always an answer/solution to every problem. Therefore, if you'll allow me the time I'd like to talk to a couple insurance commissions and insurance providers to determine what the options are here and get back to you. It may take me a few days so please bear with me!
Amy