Having had two parents with nasty somethings, denied often doesn't mean "denied" so much as "we know we should be paying for this, but we're going to make you pick a fight with our callcenter drones under the assumption that if you can pay for it yourself you're rather do that than fight with our callcenter drones."
And they're right. When the cost is less than an afternoon of hold music, vague threats about lawyers and shouting I just pay my father's bills out of pocket. They always cave when it's worth the trouble to fight over, but they save a lot of money when it isn't. Hooray for capitalism.