polymorphic belongs_to

I am creating an appointment system where appointments can be made for current users or for non-registered users. I need a way to create a appointment that references a client with polymorphic association. I use a PlaceholderUser object to create a placeholder user that just has a name, and no other functionality.

I have: Appointment   appt_time   client_id   client_type

User   name   other attributes

PlaceholderUser   name

I want to be able to use @appointment.client and @appointment.client= to assign a client as either an User or a PlaceholderUser. Is there a way to do this without defining 'client' and 'client=' as class methods?