Thanks for the advice. I haven't used these group forums ever, so I was unsure what to expect when I checked back. I can't believe the amount of responses I see. Now I will try to explain a little further.
What my application calls for is the use of a ceramic chip (size and temperature characteristics are attractive), to filter high frequency switching noise. What I do not like about them is that they are almost too fast. Fast response times are passing too much current during low voltage - high current demand times. When an electolytic is used, the current through the cap is attenuated considerably (especially in the reverse direction). It's almost as if the "laziness" of the electrolytic is what I desire. I have done a few experiments with adding a bit of esr on the ceramic, and that does help. However, I really think that if there was a way to polarize a non-polarized capacitor, I could more effectively block that reverse current. I could be way off of course because that happens quite a lot, but it never hurts to think a little unconventionally. Thanks for all of the help.
Jason