When playing my forged toons, I usually announce to the cleric that I have as many healers freinds loaded as I have.
I offer to assist them with wands via cash donations.
If need be I will run to the vendor and buy the wands for them.
But if the cleric tells me flat out that he will not heal me, I usually drop group. No point in me losing tons of xp because i'm trying to keep the stingy cleric alive.
They help me, I help them, we're all happy. They deny me, I drop them, we stay complacent. The say they'll heal me, but only use cure lights....I shrug it off til i die once or see them using full heals on others but not me, then I bolt.
I do not want to tell anyone how to play their character, but if it needs to be done for them to actually heal me, I will.