BTW-no inpatient doctor I know thought of the above. I came up with the idea, but after I left inpatient work, so I never put it in action. While I'm not a lawyer I can't see anything wrong with it.
1-The insurance doc HAS TO identify who they are. (You should even ask for an NPI number).
2-Several insurance docs unethically deny coverage.
3-The doc typically dodges the inappropriate practice bullet cause the patient is never told who this person is, but if the insurance doc is making a decision based on clinical input THEN THEY COULD BE FOUND PRACTICING if making a decision denying coverage. IF anything it will at least tick off their medical board and lead to possible ethical repercussions with their local board.
I've also considered the following 1-the insurance doc could be considered practicing outside their state (unless they are also licensed in the state where the patient is), 2-Get the patient involved in legal action against that doc cause now the patient knows who made the decision and not some faceless identity.
And if you want to further be troublesome to the insurance doctor, that doctor could claim they're not practicing hence have no clinical relationship. This IMHO is BS cause the criteria of what creates a doctor-pt relationship is extremely light. E.g. if a guy talks to me about anything medical and I say anything a lawyer could say a doctor-patient relationship was formed.
So during your conversation with the insurance doc, anything that doc says that could establish a doctor patient relationship, chart it. Stuff like, "I've reviewed the case, the patient doesn't need hospitalization and will be fine." Well right there this doc evaluated, diagnosed, okayed the treatment, and recommended a prognosis. Or if you tell the doc they're not doing their job, a response of "I am treating this case with the same level of seriousness as I would with my own patients!"
You can print the progress note where you talked to this doc, put in their NPI number, and tell your patient of this record.