Except it just doesn't, denial of claim has a very specific meaning, there's no reason to go all philosophical.
I'm sure there's plenty of cases where United health approved the claim and the patient also didn't get treated in time, it doesn't count as a denied claim.
This sub-thread is about denying healthcare. Not about denying claims. In fact, denying a claim (i.e. payment for healthcare services) has the moral implications discussed here mainly if not only because denial of payment is tantamount to denial of healthcare.
I'm sure there's plenty of cases where United health approved the claim and the patient also didn't get treated in time, it doesn't count as a denied claim.