Kathy Steadman

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Kathy primarily practices in the areas of employee benefits, public pension, insurance, cannabis and other regulatory matters. She routinely represents and counsels clients in their dealings with Arizona regulatory agencies, including the Arizona Department of Insurance and the Arizona Department of Health Services. She counsels clients in connection with compliance matters under the Patient Protection and Affordable Care Act (PPACA), The Health Insurance Portability and Accountability Act (HIPAA), the Employee Retirement Income Security Act (ERISA), Medical and Adult Use Marijuana and related state and federal regulations.

Kathy routinely speaks on insurance regulatory, PPACA, ERISA, and HIPAA topics. In 1997, Kathy was presented the Schrader Nelson Publication Award by the Insurance Regulatory Examiners Society for her article addressing confidentiality in the market conduct examination process.

Kathy represents a variety of interests in the insurance and employee benefits industries, including insurance companies, health care services organizations (HMOs), medical providers, third party administrators, self-funded plan sponsors, excess loss and reinsurance companies, utilization management firms, managing general underwriters, captive insurers, and prescription benefit management firms. Her clients include municipalities and other public entities in connection to public pension issues and disputes. She also serves as an expert witness in insurance regulatory and employee benefit matters, including excess/stop-loss disputes.

Kathy also assists medical marijuana and adult use marijuana clients in connection with license application preparation, regulatory review and analysis, audits and investigations, for-profit conversions, drafting and negotiating management and other vendor service agreements, and permissible license transfer(s). This area of the law is particularly fluid and selecting counsel that is familiar with the laws, regulators and practical aspects of operating dispensaries, cultivation facilities, packaging facilities, and testing labs is critical to ongoing success and regulatory compliance.

Kathy formerly served on the Boards of Directors for a life insurance company, a property and casualty insurance company, an offshore captive life reinsurer and a motor vehicle service company. She is a member of the International Foundation of Employee Benefit Plans and the Insurance Regulatory Examiners Society. She is a member of the Federation of Regulatory Counsel, where she formerly served on the Board of Directors and continues to serve on the Admissions Committee.

Representation Matters

  • Formation of insurance companies.
  • Formation of Health Care Service Organizations (HMOs).
  • Formation and nationwide licensing of third-party administrators.
  • Redomestication of insurers and offshore captive insurance companies to Arizona.
  • Applications for Certificate of Necessity to Operate Ground Ambulance Service.
  • Public pension system/social security section 218 disputes.
  • Compliance reviews for employee benefit plans.
  • Employee benefit plan drafting/correction and filing.
  • Insurance product development and filing with regulator(s).
  • Defense of market conduct examinations and other audits and examinations.
  • Insurance regulatory and employee benefits expert witness matters.
  • Preparing Adult Use Marijuana Dispensary Licenses.
  • Review and analysis of marijuana statutes and regulations.
  • Review and defense of inspections by marijuana regulators.
  • Dual licensee (medical marijuana and adult use marijuana) compliance.
  • For-profit conversion of medical marijuana dispensaries.
  • Reorganization of marijuana holding company structures for efficiency and growth.
  • Preparation and negotiation of various marijuana service and vendor agreements.
  • Analysis and negotiation of packaging requirements for medical and adult-use marijuana.
  • Addressing facility agent issues.
  • Assistance with social equity licensing and operations.

Publications & Presentations

  • Presenter, “Working with Agencies and Staying Compliant in a Highly
    Regulated Industry,” Arizona Department of Health Services Social Equity Ownership Training Program (Sept. 2021)

Awards & Recognitions

  • The Best Lawyers in America©: Administrative/Regulatory Law (2020 – present)

Education & Admissions

  • J.D., Arizona State University, 1989
  • B.A., Utah State University, 1985; with honors
  • Arizona State Bar Admission, 1990
  • Arizona Federal District Court Admission, 1992