Indiana Code Title 27. Insurance § 27-1-37.5-20

(1) all:

by a clinical peer;  and

(2) when making an adverse determination based on medical necessity or reviewing and deciding an appeal, the clinical peer is under the clinical direction of a medical director of the utilization review entity who is:

(1) has a financial interest in the outcome of the appeal;  or

(2) was involved in making the adverse determination that is the subject of the appeal.